I have never fully maximized my HMO coverage (hey, I am not complaining!) as an employment benefit. Neither have Don. Until Julia came along.
Don has an extensive health care benefit coverage with an HMO. His employer not only covers the employee, they also extend it to the employee's dependents. So, when I gave birth, the hospital bill was barely P3,000. And that amount was to cover extra pillows, binders and other extras to make my stay more comfortable. Had we not availed them, we will not be paying a single cent.
