Law Summary
Objectives
- Address gaps in health insurance coverage for both financially capable and incapable Filipinos.
- Include unregistered, inactive, and poor members under the National Health Insurance Program (NHIP).
- Achieve 100% availment rate for the poor.
Scope
- Covers all unregistered Filipinos, especially financially incapable individuals seeking care at government facilities.
Definitions
- Point of Service (POS Program): Program for covering all Filipinos, especially indigents and inactive members in NHIP.
- POS Patient: Patient classified financially incapable by DOH standards.
- Financially Capable: Self-earning individuals such as professionals, entrepreneurs, artists, and similar occupations.
- National Government Facility (NGF): Health facilities owned by national government agencies.
- Local Government Owned Facilities: Hospitals/facilities managed by Local Government Units (LGUs).
- Medical Social Welfare Officer (MSWO)/Social Welfare Development Officer (SWDO): DOH-trained social workers conducting financial capability assessments.
Coverage
- Eligible patients are unregistered or inactive PhilHealth members assessed as financially incapable by MSWO/SWDO.
- Must be Filipino citizens admitted to government facilities or referred to private HCIs after assessment.
- Financially capable patients are assessed and enrolled based on capacity, with premium payment obligation.
Participation of Healthcare Facilities
- NGFs, LGUs, and other government hospitals can participate upon compliance with requirements:
- Submission of specified application forms.
- Provision of IT infrastructure including dedicated computer and internet.
- Designation and training of staff for POS system operation and assessments.
- Availability of licensed MSWO/SWDO trained by DOH.
- Existing users comply only with updated training requirements.
Identification of Qualified POS Patients
- Verification through IHCP Portal of membership status.
- Assessment of financial incapacity by MSWO/SWDO using DOH-prescribed tool.
- Qualified indigents immediately eligible for benefits.
Registration Procedures
- Unregistered POS Patients must fill out PhilHealth Member Registration Form (PMRF).
- Registration via POS System within 72 hours of admission or before discharge.
- Issuance of Certificate of Assessment signed by MSWO/SWDO.
- Contingency plans for system downtime include submission of PMRF via email, fax, or alternative agreed methods.
- Weekend or off-hour admissions assessed and registered on next working day.
- Special provisions for women about to give birth, minors, orphaned, abandoned, and mentally-ill patients.
- Assignment of PIN by PhilHealth upon registration; inclusion of PIN in claim forms.
Entitlement to Benefits
- Financially incapable POS Patients enjoy immediate benefits:
- In-patient/out-patient All Case Rates.
- Z Benefits (e.g., dialysis).
- No Balance Billing policy applies.
- Financially capable patients must pay annual premium to avail benefits including Z Benefits.
- Subsequent benefit availments under system downtime require certification from PhilHealth.
- Coverage allowed in private facilities upon proper government referral or special conditions (e.g., immunized dengue patients, emergency cases, calamity victims).
Claims Filing
- Only claims with POS registration and PIN accepted.
- PMRF, registration slip, and certificate of assessment required for initial claim.
- Government HCIs not using eClaims may file manually; electronic claims require digital submission of MSWO/SWDO certificate.
- Compliance with all existing claim rules and requirements mandated.
Sustainability of Coverage
- Quarterly endorsement of POS indigent patients to DSWD for inclusion in Listahanan as qualifying indigents for future coverage.
Monitoring and Evaluation
- PhilHealth tasked to create mechanisms to monitor benefit utilization and program effectiveness.
Fund Source
- Annual premiums for Sponsored Members under POS are funded by the General Appropriations.
Transitory Provisions
- Full transition from Point of Care (POC) Enrollment Program to POS as of July 1, 2018.
- Deactivation of POC-ORE system from that date.
- Patients enrolled prior to July 1, 2018 remain entitled to benefits until December 31, 2018.
Repealing Clause
- Previous inconsistent issuances modified, amended, or repealed accordingly.
Effectivity
- Circular retroactively effective from January 1, 2018.
- Filed with the National Administrative Register at the University of the Philippines Law Center.