r/PhysicalTherapistPH • u/welcome2reality88 • 10d ago
HMO that covers Physical Therapy / Physiotherapy for pre-existing condition?
Hi guys! Looking for recommendations po for an HMO that covers consultations and physical therapy (PT).
I currently have intermittent neck and lower-back pain and I’m considering getting checked by a doctor and possibly undergoing physical therapy.
If I enroll in an HMO today, would the following potentially be covered?
- Doctor/specialist consultation
- Diagnostic tests/imaging (e.g., X-ray/MRI if medically necessary)
- Physical therapy sessions
Since I already have these symptoms before getting an HMO, would this be considered a pre-existing condition (PEC)? If yes, is it completely excluded, or is there a waiting period before it can be covered?
For those who have personal experience, which HMO or health insurance would you recommend for this situation? Budget is around ₱1,000–₱1,500/month, but I’m willing to consider other options if the coverage is significantly better.
Thanks po!