Why PhilHealth may be dangerous to one’s health

Emeterio Sd. Perez

Emeterio Sd. Perez

WAS it correct for Philippine Health Insurance Corp. to have accredited LBC Express Inc. as a collection agent?

The answer is in this piece that would show that with LBC as its collector, PhilHealth may be dangerous to one’s health.

As an agency that took over Medicare in 1999, PhilHealth provides health coverage to government workers and private sector employees. Yes, it has probably been efficient in dispensing public service until it tapped LBC to receive members’ payments for it.

What the public know is that LBC delivers packages; it remits money but does not keep it like a bank does.

It is ironic that with so many banks to choose from, PhilHealth went for LBC when its member-workers and their employers need are efficiency and reliability of a collecting agency.

What is worse is that PhilHealth probably did not even hold an orientation for LBC executives on the difference between self-employed and employers, two words that are self-explanatory. In turn, these executives should have passed on—but perhaps did not—what they learned from these orientations to their frontline workers to avoid confusion.

Here is an experience of a PhilHealth member, who ended up charging everything to experience: Because his wife shouldered the membership fees of their employees, he paid at an LBC branch only to find out the names of their workers in the receipt labelled as “self-employed.”

Now he has to bear the burden of having paid at LBC. He should have gone not just to a PhilHealth office but to one which has “area jurisdiction” over his town or city. Had he educated himself on PhilHealth’s policy, he would have learned about the agency’s policy and its payment centers.

What is worse is that he could not make PhilHealth correct the wrong entry in the receipts. Neither PhilHealth’s Pasig City headquarters nor its branches would entertain a request for amendments.

What had happened to said employer happened because LBC management failed to educate its personnel on the company’s accreditation as PhilHealth collection agent. LBC is “licensed” to collect from self-employed PhilHealth members only. Its top executives should have told its employees the limit of their company’s accreditation.

Not that you will be told that it was your mistake to have dealt wrongly with an LBC branch. PhilHealth personnel are too courteous and polite to do that while the management may not care at all as shown in the following letter:

“Attention: LBC Team:

“Please be informed that any request for adjustments and corrections on information like PIN, name, applicable period, member category, receipt no. and amount paid will not be or no longer be entertained in PhilHealth-Treasury. Be clarified that those loaded RF2s in the Treasury database are final data.

“Kindly advise all concerned that adjustments should be made in nearest PROs [PhilHealth Regional Offices] and LHIO [Local Health Insurance Offices]. You may just request confirmation from Treasury of the payment made by a particular member only.

“We will provide you the appropriate memorandum and advisory for guidance of all concerned once available.

“For info of everybody.

“Thank you.”

April Love F. Teodoro

Standards and Enforcement Section

Accreditation Division, Treasury Department

PhilHealth-HO, Pasig City

Teodoro’s advise in the second paragraph is not true. Try seeking the correction from the nearest PhilHealth branch, and you will be told to go to the regional office which has jurisdiction over the city of town where you live.

With this kind of imposition on the public, it seems PhilHealth rules are intended only for the convenience of its officials.


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  1. Renerio C. Baya on

    What the public know is that LBC delivers packages; it remits money but does not keep it like a bank does. Whether this is pun intended or not, I fully agree to this, especially so if you don’t declare that your package contains some bills or equivalents.