Dess Morelos - Financial Advisor - AXA Phils.

Don't confuse HMOs with comprehensive health insurance. They serve different purposes. Health insurance is designed to protect you from the high costs of critical illnesses that HMOs often don't fully cover.
* Relying solely on an employer-provided HMO leaves you exposed when you leave your job.
* If you pay for your own HMO, costs can skyrocket as you get older, and you risk being denied coverage when you need it most.
* For optimal peace of mind, a combination of HMO and health insurance is ideal for hospital expenses.
* For more information and a personalized consultation, feel free to message me