As a member of an HMO, you'll be required to choose a primary care physician (PCP). Your PCP will take care of most of your healthcare needs. Before you can see a specialist, you'll need to obtain a referral from your PCP. Though there are many variations, HMO plans typically enable members to have lower out-of-pocket healthcare expenses. You may not be required to pay a deductible before coverage starts and your co-payments will likely be minimal. You also typically won't have to submit any of your own claims to the insurance company. However, keep in mind that you'll likely have no coverage for services rendered by out-of-network providers or for services rendered without a proper referral from your PCP.
An HMO plan may be right for you if:
CareHealth Plus Systems International, Inc. Terms of Service
By accessing the website at http://www.carehealthplus.com, you are agreeing to be bound by these terms of service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.
2. Use License
a. Permission is granted to temporarily download one copy of the materials (information or software) on CareHealth Plus Systems International, Inc.'s website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
i. modify or copy the materials;
ii. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
iii. attempt to decompile or reverse engineer any software contained on CareHealth Plus Systems International, Inc.'s website;
iv. remove any copyright or other proprietary notations from the materials; or
v. transfer the materials to another person or "mirror" the materials on any other server.
b. This license shall automatically terminate if you violate any of these restrictions and may be terminated by CareHealth Plus Systems International, Inc. at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
a. The materials on CareHealth Plus Systems International, Inc.'s website are provided on an 'as is' basis. CareHealth Plus Systems International, Inc. makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
b. Further, CareHealth Plus Systems International, Inc. does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.
In no event shall CareHealth Plus Systems International, Inc. or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on CareHealth Plus Systems International, Inc.'s website, even if CareHealth Plus Systems International, Inc. or a CareHealth Plus Systems International, Inc. authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
5. Accuracy of materials
The materials appearing on CareHealth Plus Systems International, Inc.'s website could include technical, typographical, or photographic errors. CareHealth Plus Systems International, Inc. does not warrant that any of the materials on its website are accurate, complete or current. CareHealth Plus Systems International, Inc. may make changes to the materials contained on its website at any time without notice. However CareHealth Plus Systems International, Inc. does not make any commitment to update the materials.
CareHealth Plus Systems International, Inc. has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by CareHealth Plus Systems International, Inc. of the site. Use of any such linked website is at the user's own risk.
CareHealth Plus Systems International, Inc. may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these terms of service.
8. Governing Law
These terms and conditions are governed by and construed in accordance with the laws of Philippines and you irrevocably submit to the exclusive jurisdiction of the courts in that country or location.
Republic Act No. 10173, also known as the Data Privacy Act (DPA) of 2012, is a law that safeguards any sensitive information in Information and Communications Systems in the government and the private sector. It is a policy implemented by the State to protect the fundamental human right of privacy which includes communication of information in different platforms.
CareHealth Plus shall follow all the obligations set forth by the Data Privacy Act of 2012 including its implementing rules and regulations which are upheld throughout the entire processing of personal information of its data subjects.
A. Branch – is a detached office location manned by a branch manager and usually by a registered nurse. It is the official extension of the company.
B. Card Holder/Member– a person who a CareHealth Plus’ health care plan.
C. Affiliated Hospitals, Physicians and Diagnostic Clinics/Center – are accredited health providers that cater to the health needs/services of our Card Holders.
D. Sales Associates – persons who are duly licensed by the company upon completing the prescribed requirements to sell the company’s products.
E. Sales Associate’s Code – a unique personal number given to a licensed Sales Associate as his/her official identification.
F. Employee – a person employed by CareHealth Plus.
G. Branch Code – is an exclusive number that is given to each CareHealth Plus’ branch nationwide for official identification.
H. Data Subject – is an individual’s personal information which is processed by CareHealth Plus.
IV. Collection of Data
CareHealth Plus reserves the right to collect, store and use the following kinds of information:
1. Sales Associate Surname
2. Sales Associate Code
4. Branch Code
CareHealth Plus reserves the right to collect information from its users when users browse its website.
V. Usage of Data
VI. Protection of Data
CareHealth Plus follows strict implementation of industry standards in terms of its technical and organizational safety measures to secure the availability, confidentiality and integrity of any personal information collected from the website. We train our employees on the latest standard operating procedures for managing and handling personal data.
CareHealth Plus would like to point out that transactions done over the Internet is imperfect and we could not warrant the security of the transactions sent over to the Internet. CareHealth Plus will not be responsible for any glitches, crashes, delays and other issues caused by the Internet, users’ Internet Service Provider, and other parties involved in online transactions.
VII. Sharing of Data
Subject to any lawful exceptions, CareHealth Plus will not reveal, release or sell to third parties any personal information transmit given through the Internet. However, this does not include our third party who provides assistance in operating the website and this third party has agreed to keep any information strictly confidential. We may release our data subjects’ information when we deem that this will comply with the law or protect our rights, interests, property, or safety.
CareHealth Plus will not use personal information given through the Internet for purposes other than what has been described on this website. But we would like to emphasize that online transactions done via the Internet can be imperfect and CareHealth Plus reserves the right to withhold an absolute guarantee that the privacy and confidentiality of the personal information given by the data subject is perfect and secured. CareHealth Plus will not be held liable for damages for any kind of loss of confidentiality of any information transmitted herein.
VIII. Keeping of Data
CareHealth Plus assures that all information of its data subjects will not be stored longer than necessary for as long as the purpose for which it was collected, continue to be in effect until such time those information are no longer required.
Data subjects’ information will be kept by CareHealth Plus for the fulfillment of its obligations and compliance with legal, business and regulatory requirements.
XI. Data Subjects’ Rights
All data subjects have the following rights:
Cookies are small text files that CareHealth Plus website place on the computers and mobile devices of people who access our website. These text files allow a website to remember your device and how you interacted with the website, which is useful for user experience.
A section cookie is used in this website. It consists of text files sent by a web server to a web browser which will be stored by the browser and will remain valid until the user closes the web browser.
XI. Third-Party Links
CareHealth Plus website may contain links to other websites. Once data subjects click these links to leave our site, data subjects should be aware that we do not have any control over those websites. Therefore, we cannot be held responsible for the security and privacy of any personal information which data subjects have provided while visiting other sites.
XII. Contact Us
Office : CareHealth Plus Data Protection Office
Telephone Number : (+632) 8247 1878 / 0945 532 2965 / 0939 333 6254
Email Address : email@example.com
Office Address : 11/F Ermita Center Building, 1350 Roxas Boulevard, Ermita, Manila 1000