A corporate HMO is an employer-sponsored healthcare program that gives enrolled employees access to pre-agreed medical services through an accredited provider network. Affinitas helps companies compare corporate HMO plans in the Philippines and structure a program that fits their workforce, healthcare priorities, and budget.

Dependents may be enrolled when the employer selects dependent coverage and they meet the chosen plan’s eligibility requirements. Eligible relationships, age limits, enrollment order, benefits, and costs vary by HMO partner and plan. Your proposal will clearly identify who can be covered and what documents are required.

After enrollment, employees receive membership details and access to the plan’s accredited hospitals, clinics, and healthcare professionals. They follow the HMO’s availment process, including authorization or a Letter of Authorization when required. Affinitas supports your HR team and employees with enrollment, inquiries, and coordination.

For covered care at accredited providers, the HMO generally manages the availment or authorization process, subject to the plan’s terms and limits. If a case qualifies for reimbursement, the employee submits the required documents for HMO review. Affinitas helps coordinate concerns and follow up, while the HMO makes the final coverage decision.

Yes. We can compare options and structure the benefit mix, coverage level, provider access, and dependent arrangements around your workforce needs and budget. Customization remains subject to the selected HMO partner’s product terms, underwriting, and approval.

Start with a free consultation and share your workforce profile, locations, healthcare priorities, budget, and current HMO arrangement, if applicable. Affinitas will gather suitable options, compare benefits and costs, and present a proposal with recommended next steps. Additional requirements may vary by HMO partner.

The timeline depends on workforce size, data completeness, plan complexity, HMO review, and whether you are transferring from another provider. Once your requirements are confirmed, Affinitas will provide an implementation schedule covering plan selection, enrollment, employee orientation, and go-live.

Yes. Before renewal, Affinitas can review your current plan, utilization, service experience, changing workforce needs, and available market options. If you decide to change HMO partners, we will help coordinate plan selection, enrollment, employee communication, and the transition schedule, subject to the new partner’s requirements and approval.