Posted by Kristine A. Bautista
Dec 05, 2025
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At work, salary often gets the most attention. But pay is not the only thing that matters. You must also check the benefits that come with your job, especially those that impact your health, finances, and quality of life.
Among these benefits, healthcare coverage stands out as one of the most valuable, which often comes in the form of an HMO package.
With an HMO, you get access to healthcare without the heavy costs, and that means peace of mind for you and your family. When you feel secure, it becomes easier to stay motivated, engaged, and focused on your goals.
Why is this so?
From a personal standpoint, employers who can make you feel physically healthy and mentally supported through perks like HMO show that they care about your life beyond the workplace and your overall wellbeing.
I’ve seen its advantages first-hand, and I’ll share with you why it’s one of the most useful employee benefits.
What is an HMO?
A Health Maintenance Organization (HMO) is a type of health insurance plan that provides employees with access to a network of accredited doctors, clinics, and hospitals at little to no personal cost.
HMOs are typically offered as part of an employee benefits package. Depending on your employer’s chosen plan, it can cover consultations, diagnostic tests, vaccinations, room and board, and other types of medical services.
Why do companies offer HMOs?
From a business point of view, providing an HMO plan is a smart strategy with measurable returns.
In fact, a report prepared by Avalere Health for the U.S. Chamber of Commerce showed that employer-sponsored health insurance and related wellness programs yielded an average return on investment of 47% in 2022 and is estimated to grow to 52% by 2026. That means for every dollar spent, a business received $1.47 in benefits through improved productivity, lower medical costs, higher retention, and additional tax deductions, among others.
It's a win-win situation for both the employer and the employee. To give you a closer look, here are the benefits companies gain from providing HMO coverage.
1. Healthier workforce
Employees who have access to healthcare through their HMOs are better equipped to manage their overall well-being. Regular check-ups and preventive care help identify issues before they become serious.
When illnesses do occur, treatment and recovery are faster because medical services are within reach; thus, reducing absenteeism and helping employees return to work sooner.
2. Reduced financial stress
Healthcare expenses can be a heavy burden, especially during unexpected medical situations.
In the Philippines, for instance, about 41% of medical expenses are still classified as out-of-pocket costs, which places a considerable burden on individuals and families during actual medical emergencies.
Cost also remains the main barrier to an individual’s ability to adopt a healthier lifestyle, which can then result in more serious issues.
If employees don’t maintain a healthy lifestyle, sick days tend to increase and work performance might take a nosedive. Without proper coverage, employees may delay treatment or avoid seeking care altogether.
But with an HMO, they don't have to worry about medical costs disrupting their financial stability and can therefore focus more on their jobs without overthinking how to pay for consultations, procedures, emergency care, or medications.
Reduced financial stress also translates to improved mental health, fewer distractions, and stronger engagement in daily tasks.
3. Improved morale and loyalty
When employees feel valued, they are more motivated to contribute positively to the workplace. Providing HMO coverage is one of the clearest signals that a company genuinely cares about its people. This kind of support builds trust and nurtures a stronger emotional connection between employees and the organization.
The best ROI?
Workers who feel cared for tend to stay longer, give greater effort, and show stronger commitment to the company’s mission. Over time, loyalty grows because employees recognize that they are more than just human resources. They see that their well-being is part of the company’s priorities, which makes them more invested in its success.
4. Talent attraction and retention
Offering HMO coverage is also beneficial for companies looking to attract and retain talent.
A report from the Organisation for Economic Co-operation and Development (OECD) supports this, stating that “companies implementing health and well-being programmes are generally favourably seen by potential and current employees, which helps improve their corporate image and their ability to attract and retain talent.”
This could be valuable information for companies belonging to an industry with high recruitment demands but a limited supply of qualified talent, such as the accounting industry.
Rather than seeing a comprehensive health coverage program as an added expense, companies are now seeing it as a long-term strategic investment that allows them to attract talent and retain their top-performing employees at the same time.
Why HMOs matter when choosing a workplace
Health is wealth.
This saying may sound overused, but its message remains powerful, especially when you fall sick. From experience, I know how medical costs can quickly use up your savings and disrupt your plans.
You won’t want that to happen.
That’s why it's necessary to check if your employer offers a good HMO package from a credible health insurance company.
Here are five reasons why HMOs matter when choosing a workplace.
1. HMOs give you peace of mind
You can’t always tell when health-related emergencies will happen. One moment you’re fine, and the next, you might find yourself in an unexpected medical situation.
Personally, I was able to maximize its benefits in meaningful ways, especially since I’ve enrolled my parents as my dependents.
Like many others, my parents are often hesitant to spend money on medical check-ups or treatments, even when they don’t feel well because of the costs involved. But when I explained that these costs will be covered by our company’s HMO, they became more open to seeing a doctor without worrying too much about expenses. This gives me peace of mind knowing their health is better taken care of.
When you have this kind of assurance, you can focus more on your work without constantly worrying about unexpected expenses.
2. Support for overall well-being
With an HMO, you can take better care of both your physical and mental health.
My parents and I, for example, have been using it for general check-ups and laboratory tests, something we won’t regularly take if we’re the ones to shoulder the full cost. But because we know that these are covered, we feel more confident about seeing a doctor and getting the tests needed.
3. Lower healthcare costs
Medical expenses can add up quickly, especially during emergencies or long-term treatments.
An HMO helps protect you from these financial burdens by covering many of the costs for consultations, tests, procedures, and medications.
Lower healthcare costs give you the freedom to focus more on your goals, both in your personal life and in your career.
4. Greater accessibility to care
Another reason I like having an HMO is because of its wide network of care.
Our current HMO provider, for instance, is in partnership with doctors, clinics, and hospitals from across the country. Whether I’m staying in the city or visiting our province, I’m confident that I can access medical care whenever needed.
5. Stronger trust in your employer
When a company provides HMO coverage, it shows that they are serious about supporting their employees beyond the workplace. This builds trust because you know they value your well-being, not just the results you deliver.
Feeling cared for makes you more loyal and engaged, which also improves your overall job satisfaction.
Over time, this trust creates a stronger work relationship. It allows you to grow in a supportive environment that values both your career growth and health.
An insider’s information about D&V Philippines’ HMO Package
Not all HMO packages provide the same level of coverage. Some only cover hospitalization, while others include preventive care, dependents, wider access to providers, and better healthcare benefits. Thus, you need to know what a certain HMO package actually covers.
Good thing, the HMO coverage of the company I work for offers several thoughtful features.
Here are some of them:
1. Access to preventive and emergency care
One of the best parts of D&V Philippines’ HMO plan is its extensive applications, including:
- General check-ups
- Diagnostic tests
- Laboratory procedures
- Emergency care
- Hospitalization coverage
- Dental coverage
A wide coverage is necessary because preventive care helps detect health issues before they become serious and more expensive to treat. With access to accredited clinics and hospitals, you can visit professionals who will help you manage your health regularly.
This level of care ensures that you are not only supported in times of sickness but also guided toward maintaining good health every day. In the long run, it keeps you healthier and more confident about your well-being.
2. Wide network of accredited providers
Our HMO plan also includes a broad network of accredited hospitals and clinics across the country. Whether employees are in Metro Manila or in provincial areas, they can easily access quality healthcare wherever they are.
3. Simple and efficient processing
Another thing I appreciate about our HMO plan is how easy it is to use. The processing and approval are quick and simple, so I don’t have to worry about long waiting times or confusing steps. It really takes the stress out of getting medical care.
4. Comprehensive dependent coverage
This feature is non-negotiable for me given how much I value my parents’ health. If you share the same sentiments, you must also check if the company allows you to enroll a certain number of dependents free of charge.
Our HMO plan, for example, lets employees extend their coverage to their parents, siblings, spouses, common-law, or same-gender partners. What sets it apart is that even married employees can include their parents as extended dependents at a reasonable, employee-friendly rate. This is something that’s rarely offered in the BPO and shared services industry, which makes our package more inclusive.
On top of this, we can also enroll up to a maximum of three dependents, depending on our tenure. This setup rewards loyalty while giving our people the chance to extend healthcare protection to more of their family members as they grow with D&V Philippines.
5. Comfortable room and board options
Some companies limit private room access to higher-ranking employees, but a comprehensive HMO package offers room and board flexibility across all levels.
It's great to know that D&V Philippines’ HMO package covers this. All of us, the employees, are entitled to an open private room and board category. It's a huge thing as we’re assured of receiving a higher level of comfort during hospitalization, which can make a big difference during the recovery process.
6. Tiered maximum benefit limit (MBL)
Our HMO plan provides a tiered Maximum Benefit Limit (MBL) based on position. This setup ensures that every employee receives coverage that matches their healthcare needs and level of responsibility.
7. Accessibility and technology
Our HMO plan provider also has an app and website that members can utilize to gain access to member details, doctors and facilities network, plan coverage, and even secure utilization approval for both principal and their declared dependents — all at the tip of their fingers.
8. Discount and perks
Our HMO plan partners with various providers, allowing its members to use the HMO card to avail themselves of discounts and promos from its partner brands that can be accessed using their app.
Taking care of what truly matters
When I first said that pay is not the only thing that matters, I meant it.
The longer I’ve been part of the workforce, the more I’ve realized that health benefits like an HMO are necessary to protect your well-being, your family, and your peace of mind.
A good HMO plan lets you focus on what you do best without worrying about life’s unexpected turns.
If you’re an accounting professional looking for a company that values your growth and well-being, D&V Philippines could be the right place for you. Join our team and enjoy access to extensive HMO coverage designed with your needs and your family’s health in mind.
You can also download our whitepaper, Employees to Partners: How D&V Philippines Invests in its People, to learn more about our employee development programs.
Kristine Bautista is a Senior Director of Global Operations at D&V Philippines. Connect with her on LinkedIn.
- Written in collaboration of Mary Milorrie Campos, a senior content and creative specialist at D&V Philippines.
