FAQs

Makati Health Plus Program

Frequently Asked Questions

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What is the Makati Health Plus Program or more popularly know as the Yellow Card Program?

The Makati Health Plus Program of the Makati City Government provides subsidized healthcare services at Makati Life Medical Center to qualified beneficiaries through the issuance of Makati Health Plus (MHP) Card which is popularly known as the Yellow Card.

Who are the beneficiaries of the Yellow Card Program?

  • Makati Health Plus (MHP) Program or Yellow Card Holders
  • Qualified Makatizen Card holders

How much is the patient’s contribution or co-pay?

PhilHealth benefits will be applied first before any CGM (City Government of Makati) benefits. In case of hospitalization, the beneficiaries shall pay the excess of the allowable coverage amount following the scale indicated in the table below:

AMOUNT OF BILL PATIENT’S CONTIRIBUTION/CO-PAY
PHP 5,000.00 and below FREE
Above PHP 5,000.00 PHP 500.00

How are beneficiaries validated under this program?

Makati Life Medical Center (MLMC) shall refer to the masterlist or database of qualified beneficiaries provided by the City Government of Makati (CGM). Any changes to the masterlist or database shall be effective only upon receipt by MLMC of written notice from CGM. Any updates, corrections, or inconsistencies between the masterlist and the actual requirement provided by the beneficiary must be coordinated with CGM and confirmed by MLMC prior to providing the benefits included in the program.

Who is excluded from the Yellow Card Program?

The Beneficiaries who seek treatment under the following instances are not entitled to avail of the benefits under this IRR, but may seek treatment as private paying patients:

  1. Abortion, Induced;
  2. Attempted suicide;
  3. Complications from sex transformation or cosmetic/reconstructive surgery purely for aesthetic purposes and without a valid clinical indication;
  4. Succeeding pregnancy/delivery of dependents below 18 years old;
  5. Illnesses of minor children that could have been prevented if their parents had availed of the free vaccines provided under the Mandatory Infants and Children Health Immunization Act of 2011;
  6. Medico-Legal cases: any injury or medical condition where law enforcement investigates and seeks to fix responsibility for the cause of the injury or condition, including documenting injuries, determining the cause of death, or investigating potential criminal acts such as assault or negligence;
  7. With an unsettled bill or default payments from the previous hospitalization/confinement;
  8. Voluntary PhilHealth members with missed contributions – Beneficiaries enrolled as voluntary PhilHealth members who have failed to pay their required contributions shall be temporarily ineligible. Eligibility may be reinstated upon submission of proof of updated PhilHealth payments.
  9. Absconded Cases: instances where a patient leaves the hospital without a proper discharge order;
  10. Consultation and diagnostic services for pre-employment purposes, except for first-time job seekers

Are there any special cases for consideration?

Availment of the Hospital Services for non-Beneficiaries shall be given to individuals in the following special cases:

  1. Residential care facilities and other organizations, as recommended by the Makati Social Welfare Department (MSWD);
  2. In cases where dependents of an existing Beneficiary reach 18 years of age and are not qualified as a Beneficiary, they will be granted a 3-month extension to enjoy the Hospital Services under the IRR. During this period, they are encouraged to become a qualified Beneficiary to ensure uninterrupted coverage;
  3. In the case of a pregnant dependent below 18 years old, the Beneficiary may extend coverage to the dependent mother and the first live-born child only. This coverage includes all expenses related to delivery and the subsequent hospitalization of the first child. The coverage for the dependent mother and the first live-born child is limited until the teenage mother reaches 18 years old. Any subsequent live birth of the teenage mother will no longer be covered;
  4. MSWD / DSWD-accredited facilities;

What are the healthcare benefits included in the program?

  1. Outpatient Care
    • Preventive Care
    • Diagnostic/Therapeutic/Other Modalities
    • Physical Therapy and Rehabilitation Benefits
    • Additional Benefits
  2. Inpatient Care
  3. Emergency Care

What are the services included under out-patient benefits?

  1. Any number of consultations whether face-to-face, in-clinic, or teleconsults;
  2. Pre-natal and post-natal consultations;
  3. Referrals to accredited specialists;
  4. Eye, Ears, Nose, and Throat Care;
  5. Dressings, casts, and sutures;
  6. Treatment for minor injuries (lacerations, mild burns, sprains & strains, etc.);
  7. Out-Patient Medicines onsite prescription and delivery for refill after consultation, to manage the patient’s condition, including Philippine National Drug Formulary (PNDF) and non-PNDF drugs, and drugs for compassionate use approved by the MLMC Therpeutic Committee, prescribed for or used by a beneficiary;
  8. Radiology exams, laboratory examinations, routine diagnostic examinations and therapeutic procedures prescribed by an accredited physician/specialist;
  9. RT-PCR (SWAB TEST) and Rapid Antigen test;
  10. Minor surgical procedures not requiring confinement;
  11. Eye laser therapy for retinal tear, retinal hole, retinal detachment and glaucoma prescribed by an affiliated physician/specialist;
  12. Laser treatment for cataract extraction, laser therapy for retinal detachment and glaucoma;
  13. Electrocauterization (ECT), pairing and curretage, and other related procedures in treatment of warts, molluscum contagiosum, and milia, in any parts of the body, prescribed by an accredited Physician/Specialist including cauterization of genital warts;
  14. Allergy Testing/Screening and other related exams prescribed by an accredited physician;
  15. Varicose veins treatment including sclerotherapy and endovenous laser treatment (except for aesthetic/cosmetic purposes) as prescribed by an accredited physician, to be availed through accredited vascular surgeons;
  16. Tuberculin Test;
  17. Speech therapy;
  18. Physical/Occupational therapy;
  19. Endovaginal treatment for incontinence (non-surgical);
  20. Laser treatment for prostate problem;
  21. Home nursing care and treatment;
  22. Home service for diagnostic services;
  23. Out-patient Chemotherapy;
  24. Radiation Therapy;
  25. Hemodialysis;
  26. Ambulatory surgery, except aesthetic and cosmetic procedures;
  27. Other medical and surgical services under ambulatory setting;
  28. Professional fees of doctors issuing medical clearances with certifications, which are medically indicated, particularly those required for pre-operative or pre-procedural purposes.

What surgeries are covered under ambulatory surgical benefits?

  • General Surgery
    1. Hernia repairs (inguinal, umbilical)
    2.  Laparoscopic cholecystectomy (gallbladder removal)
    3. Laparoscopic appendectomy
    4. Excision of cysts or lipomas
    5. Hemorrhoidectomy
    6. Skin lesion removals or biopsies
    7. Breast biopsy or lumpectomy
    8. Mastectomy
    9. Trigger finger release
    10. Removal of hardware or screws
    11. Minor fracture repairs
  • Orthopedic Surgery
    1. Arthroscopy (knee, shoulder)
    2. Carpal tunnel release
    3. Trigger finger release
    4. Removal of hardware or screws
    5. Minor fracture repairs
  • Ophthalmology
    1. Cataract extraction with intraocular lens implant
    2. Pterygium removal
    3. Chalazion excision
    4. Eyelid surgeries (blepharoplasty for functional reasons)
  • ENT (Ear, Nose, Throat)
    1. Tonsillectomy and/or adenoidectomy
    2. Myringotomy with or without tube insertion
    3. Septoplasty
    4. Endoscopic sinus surgery
  • Gynecology
    1. Diagnostic hysteroscopy 
    2. Dilation and curettage (D&C)
    3. Endometrial ablation
    4. Laparoscopy for pelvic pain or tubal ligation
  • Urology
    1. Cystoscopy with biopsy or stone removal
    2. Vasectomy
    3. Urethral dilation
  • Gastrointestinal
    1. Colonoscopy with polyp removal
    2. Upper GI endoscopy
    3. Esophageal dilation
  • Other medium of major cases traditionally done with patient admitted but because of technology or skill, can now be done safely under ambulatory setting

Are cosmetic or aesthetic procedures included in the benefits?

No. Cosmetic and aesthetic procedures are excluded unless deemed medically necessary and prescribed by an accredited physician.

What is meant by preventive health benefits?

Preventive Care refers to health services that aim to prevent illnesses or detect them early when they are more treatable. It includes screening test, immunizations, counsellling, and preventive medications.

Who should receive preventive care?

Preventive care is recommended for all individuals regardless of current health status, based on their age, sex, family history, risk factors, and lifestyle. Those qualified include:

  • Patients with chronic conditions needing preventive measures to avoid complications.
  • Healthy individuals aiming to maintain health and prevent disease.
  • Patients with risk factors such as smoking, obesity, family history of chronic disease.
  • People at certain life stages, such as children, pregnant women, or older adults.

Are vaccines included in the preventive care benefits?

Vaccines are generally not included under the preventive care benefits of this program as they are already provided by the Barangay Health Unit (BHU) or Rural Health Unit (RHU) through the City Government of Makati’s vaccination programs.

What preventive health screenings and procedures are recommended under the program?

These guidelines are based on the Preventive Care Procedures and Practice Guidelines from the U.S. Preventive Services Task Force (USPSTF) and the World Health Organization (WHO).

For Adult

Age Group Preventive Procedure Guideline Source
18—39 yrs Blood pressure check (every 3-5 yrs or annually if risk factors) USPSTF Grade
18—64 yrs Annual fIu vaccine CDC, WHO
21-65 yrs (females) Cervical cancer screening (Pap smear every 3 yrs or HPV co-testing every 5 yrs) USPSTF Grade A
50—75 yrs Colorectal cancer screening (FOBT yearly, GI endoscopy every 5 yrs) USPSTF Grade A
40—74 yrs (with risk factors) Type 2 diabetes screening every 3 yrs USPSTF Grade B
50—80 yrs (smokers/former smokers) Annual low-dose CT scan for lung cancer USPSTF Grade B
All adults Behavioral counseling for healthy diet and physical activity (especially with CVD risk factors) USPSTF Grade B

What preventive care is specifically recommended for women?

Women aged 40 to 74 should have a mammogram every 1 to 2 years for breast cancer screening. Osteoporosis screening is recommended for women aged 65 or younger with risk factors. Additionally, all women of reproductive age planning pregnancy should take folic acid supplementation to prevent neural tube defects.

What preventive care is recommended for men?

Men aged 65 to 75 who have ever smoked should undergo screening for abdominal aortic aneurysm (AAA). Prostate cancer screening (PSA test) is offered to men aged 55 to 69 through shared decision-making with their healthcare provider.

What preventive care is recommended for children and adolescents?

Refer to the table below for the recommended preventive services for children and adolescents:

For Children and Adolescents

Age Group Preventive Procedure Guideline Source
2—18 yrs Immunizations (MMR, DTP, polio, rotavirus, HPV, etc.) CDC/WHO Schedule
≥3 yrs Vision screening annually USPSTF Grade B
≥6 yrs Obesity screening and counseling USPSTF Grade B
11-18 yrs Depression screening USPSTF Grade B

What diagnostic, therapeutic, and treatment options are included under this program?

Refer to the table provided under section 16.A for a detailed list of the diagnostic, therapeutic, and other modalities of treatment included in the benefits.

ABPM, Holter monitoring Plasma urinary cortisol, plasma aldosterone
2D echo with Doppler
Pulmonary perfusion scan
Adrenocortical Function Radioisotope scans and function studies
Anti-nuclear antibody, C-reactive protein, lupus cell exam (rheumatic & its complications) Radionuclide ventriculography
Arterial blood gas Radioablative Treatment
Arthroscopic procedure - including orthopedic arthroscopy Radio Frequency Ablation (RFA)
Arthrocentesis Retina Fundus Photography (Fundus Photo)
Audiograms and Tympanograms Robotic Surgery
Automated Perimetry/ Visual Fields Sclerotherapy
Benign Prostatic Hypertrophy Specular Microscopy
Biometry Stereotactic Body Radiotherapy (SBRT)
Bone densitometry scan (DEXA SCAN) Stereotactic brain biopsy
Bone Mineral density studies Stereotactic breast biopsy
Brachytherapy Sleep Study
Cardiac stress tests Thallium scintigraphy
Chemotherapy/radiotherapy Thoracentesis
Color Blindness Test TMS or Transcranial Magnetic Stimulation for psychiatry and neurology
Corneal Topography Transscleral Cyclophotocoagulation
Corneal Pachemetry Transurethral microwave therapy of prostate
Cryosurgery Treadmill stress tests
Dialysis Ultrasound (except for maternity cases)/ diagnostic ultrasounds; 2D echo, Doppler and lungs)
Electroencephalogram (EEG) Video gastroscopy
Electromyography, nerve conduction studies Volumetric Arc Modulated Therapy (VAMT)
Endoscopic procedures (colonoscopy/ gastroscopy) YAG Laser Capsulotomy
Herniorrhaphy (acquired cases) Duplex Scan (Aorta)
Esophageal Manometry Duplex Scan (AV-Fistola)
Focal User Treatment Duplex Scan (Carotid)
Fluorescein Angiogram Duplex Scan (Renal)
Fundus Fluorescein Angiography (FFA) Duplex Scan (Transcranial)
Gamma knife surgery (based on cobalt/radiotherapy) Duplex Scan Lower (Artery)
Heart surgery/ angioplasty/angiogram (coronary artery bypass graft) Duplex Scan Lower (Venous)
Hemorrhoidectomy (i.e., Conventional/Scalper/Stapled) Duplex Scan Upper (Artery)
Herniorrhaphy (acquired cases) Duplex Scan Upper (Venous Mapping)
Hysteroscopically-guided D&C Duplex Scan Upper (Venous)
Hysteroscopic procedures - hysteroscopic myoma resection ECG
ICG-Angiography (ICG-A) Right heart catheterization
Inhalation Therapy Coronary angiography
Impedance Plethysmography Percutaneous coronary intervention a) balloon angioplasty only
Intensity Modulated Radiation Therapy (IMRT) Percutaneous coronary intervention b) coronary stent
Intravaginal laser treatment for urinary incontinence Intravascular ultrasound
Laser Gonioplasty Optimal Coherence Tomography
Laser Iridotomy Fractional Flow Reserve
Laser Membranectomy  Rotational atherectomy
Laser Prostatectomy Intra-Aortic Balloon Pump
Laser Pupilloplasty Trans-Aortic Valve Implantation ( TAVI )
Laser Suture Lysis Trans-Aortic Valve Replacement ( TAVR )
Laser Trabeculoplasty Mitral Clip insertion
Laparoscopic Procedures ASD/VSD/PFO closure
Laryngeal Stroboscopy Electrophysiology procedures (arrhythmia therapy)
Lithotripsy (ESWL) Permanent Pacemaker
Lupus cell Exam Temporary Pacemaker
Lung function studies EP ablation
Mammography/sonomammogram Arterial line placement
Mammotone/ultrasound-guided mammotone biopsy Central line placement
Metabolic/bariatric surgery based on CPG t MRI (magnetic resonance imaging) Swan-Ganz catheter insertion
Myelogram DC Cardioversion t Pericardiocentesis
Nerve Conduction Velocity Studies Ankle-Brachial index
Neuroscan Stress echocardiography
NRIS (nuclear radioactive isotope scan) CT coronary angiography
Nuclear Medicine Diagnostic and Therapeutic Modalities Cardiac MRI
Ocular Uloasound Other procedures covered by Phil Health
Optical Coherence Tomography (OCT)
Optical Coherence Tomography-Angiography (OCT-A)
Organ Transplantation
Pan Retinal Photocoagtilation (PRP)
Percutaneous ultrasonic neplirolithotoniy
Perfusion Scan
Photodynamic Therapy

What are the benefits included under Physical Therapy and Rehabilitation?

  • As part of Makati Life Medical Center’s preventive, therapeutic, and rehabilitative services, rehabilitation medicine is provided to help restore and enhance functional ability and quality of life for patients with physical impairments or disabilities. This includes conditions affecting the brain, spinal cord, nerves, bones, joints, ligaments, muscles, and tendons. Treatments may involve the use of robotics, ultrasound, and other advanced technologies to improve mobility and overall function. Please refer to the corresponding table for full coverage details.
  • The following additional benefits are included as part of Makati Life Medical Center’s comprehensive care services:
    1. Congenital Illness including congenital hernia;
    2. Sports related injuries
    3. Work-related illnesses
    4. Acquired (adult) hernia
    5. Take Home Medicines
    6. Treatment of accidents / injuries caused by earthquakes
    7. Organ donors' expenses
    8. Chronic dermatoses and scabies

What type of room accommodation is covered during confinement?

Beneficiaries are entitled to Ward Accommodation as part of their in-patient benefits.

What items are included in the standard admission kit?

The standard admission kit includes essential items including ice cap and wee bag, provided upon admission.

Are specialized hospital units covered under in-patient benefits?

Yes. The use of specialized hospital units, including the Operating Room, Intensive Care Unit (ICU), Isolation Room, Recovery Room, and other specialty units, is covered when medically indicated.

Are professional fees of accredited specialists covered?

Yes. The professional services of all attending accredited specialists are included during the course of the patient's confinement.

What medical and surgical procedures are covered during admission?

Both general and specialty medical as well as general and specialty surgical procedures and management are covered under in-patient benefits.

Are nursing services included in the hospital stay?

Yes. General nursing services form part of the covered in-patient care.

Are medications and injectables during confinement covered?

Yes. Drugs, medicines, and injectables are covered, including those listed in the Philippine National Drug Formulary (PNDF), non-PNDF drugs, and drugs approved for compassionate use by the MLMC Therapeutics Committee, as long as they are prescribed for or used by the patient.

Are blood transfusions and IV fluids part of the coverage?

Yes. Blood product transfusions and intravenous fluids are included in the in-patient benefit package.

Are diagnostic and therapeutic procedures covered?

Yes. X-rays, laboratory exams, routine diagnostics, and therapeutic procedures incidental to confinement are covered.

Does the benefit include anesthesia and oxygen administration?

Yes. The use of anesthesia, corresponding medications, and oxygen administration is included.

Are surgical materials like sutures and plaster casts included?

Yes. Items such as dressings, plaster casts, and sutures are part of the covered in-patient services.

Are medical-surgical implants covered under the benefit?

Yes. Medically necessary implants such as for hip, knee, joint replacement, coronary artery stents, and bone fracture repairs (screws, pins, plates, IM nails) are covered. Implants used for cosmetic or aesthetic purposes are not covered.

Are all medically necessary services included in the benefit?

Yes. Any item, service, or procedure directly related to the patient’s medical management and deemed medically necessary by the attending physician is covered, provided it is within the clinical and technological capability of the hospital.

Are professional fees for pre-operative or medical clearance included?

Yes. The professional fees of doctors issuing medically indicated medical clearances, particularly for pre-operative or pre-procedural purposes, are included in the in-patient benefits.

What services are covered under Emergency Care Benefits?

Emergency Care Benefits at Makati Life Medical Center include essential and immediate medical services needed to stabilize the patient during an emergency. These include:

  1. Accredited doctor’s services
  2. Emergency Room (ER) fees
  3. Ambulance service
  4. Medications administered during treatment or for immediate symptom relief
  5. Oxygen and intravenous fluids
  6. Dressing materials, sutures, and casts
  7. Nebulization, including the cost of nebules
  8. Lab tests, X-rays, and other diagnostic exams directly related to emergency management
  9. Anti-tetanus, anti-venom (for snake bites), and anti-rabies (animal bites) vaccines
  10. And all other medically necessary treatments required to stabilize the patient

Are vaccines for animal bites or snake bites covered during emergency care?

Yes. Vaccines such as anti-rabies, anti-tetanus, and anti-venom are covered when required during emergency treatment.

Is ambulance service included in emergency care coverage?

Yes. Ambulance service is covered when used to transport a patient in need of immediate medical attention.

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