Title
No Balance Billing Policy Enforcement
Law
Philhealth Circular No. 0003, S. 2014
Decision Date
Jan 9, 2014
PhilHealth Circular No. 0003, issued on January 9, 2014, reinforces the No Balance Billing (NBB) policy to ensure that indigent patients receive comprehensive healthcare without incurring additional costs beyond the packaged rates, mandating healthcare institutions to provide quality care and necessary services without extra charges.

Law Summary

Coverage and Scope

  • NBB Patients: Includes Indigent (as identified by DSWD), Sponsored members (contributions paid by others), Household Help per RA 10361, and Group Gold members under existing Group Policy Contracts (GPCs)
  • Benefits Covered: All case-based payments including specified case rates, special packages (Leptospirosis, TB-DOTS, Malaria, Animal Bite, Voluntary Surgical Contraception), outpatient packages, and IUD insertion
  • Health Care Institutions Covered: Accredited government facilities and specified accredited private institutions such as contracted Z benefit hospitals, ambulatory surgical clinics, dialysis centers, TB DOTS centers, birthing homes, infirmaries, and dispensaries with specific conditions on NBB applicability

General Policies

  • Preferential access for NBB patients to social welfare funds for augmenting benefits
  • Health care institutions responsible for patient care quality and access without denial
  • Provision of complete medical and non-medical services including drugs, diagnostics, meals, and special accommodations at no additional cost
  • Ward accommodations guaranteed or next higher accommodation provided for free; private accommodations excluded from NBB
  • No charge for professional fees for care providers
  • Sourcing medicines and supplies externally only as last resort and at institution's cost

Enabling Mechanisms

  • Membership Verification: Mandatory real-time eligibility verification via IHCP Portal for government facilities
  • Proof of membership accepted through Member Data Record, PhilHealth Number Card, or 4Ps ID Card treated with presumptive validity
  • Alternative verification systems coordinated with PhilHealth CARES and LHIOs if portal unavailable

Quality of Care and Resource Availability

  • Ensuring cost-effective clinical care without compromising quality, monitored via post-audit system
  • Access to basic patient comforts aligned with prescribed NBB bed standards
  • Hospital formulary maintained by Therapeutics Committee for drug availability
  • Use of consignment agreements for procuring drugs and supplies discouraged with conflict of interest
  • Physician responsibility to prescribe generic PNF drugs and consider alternatives if unavailable
  • Full diagnostic services mandatory, with referral and free transport if tests unavailable

Professional and Referral Services

  • No additional professional fees charged by salaried or non-salaried physicians for ward accommodations
  • Referrals discouraged unless necessary, with arrangements made for patient transport and accommodation at no cost

Hospital NBB Packages and Claims

  • Encouragement for hospitals to develop predefined NBB packages covering all necessary resources
  • Fast-tracking claims payment within 30 days for facilities compliant with NBB rules

Information Dissemination

  • Orientation of qualified NBB patients on policy and case rates upon admission
  • Use of IEC materials for education and communication of accommodation choices

Monitoring and Evaluation

  • Regular monitoring by PhilHealth Standards and Monitoring Dept.
  • Exit interviews conducted among patients; violations documented and followed up
  • Post-audit claims evaluation and on-site validation for suspected violations

Grievance Mechanisms

  • PhilHealth CARES designated to receive reports of NBB violations within facilities
  • SMS hotline and other contact channels provided for reporting violations
  • Reports validated by regional offices and anti-fraud teams for appropriate action

Penalties

  • Violations subject to penalties per RA 7875, its IRR, and related regulations including signed performance commitments

Separability Clause

  • Portions of circular invalidated by law remain without affecting validity of remaining provisions

Effectivity

  • Circular effective 15 days after publication in a newspaper of general circulation
  • Copy to be deposited with the Office of the National Administrative Register, University of the Philippines Law Center

Analyze Cases Smarter, Faster
Jur helps you analyze cases smarter to comprehend faster—building context before diving into full texts.