Tuesday, May 29, 2012

Looking for health insurance for my family (because I'm all grown up that way!)

Posted this over at Twitter recently:

Yep, I'm still looking for health insurance! If you've been reading my blog long enough, I started looking for a private health plan for my family when the TMC disaster happened. By private, I mean it's a service that we pay for and not provided by the company I work for. Almost all of the recommendations I get from blog commenters and Twitter followers are the health plan providers that their company works with. The company I work for has health benefits, of course, but I'm looking for something more comprehensive and one that would cover all the members of my family, not just me.

So I've been researching and I've narrowed down my choices. I won't say what those are yet since I'll still give them a call and check them out. They might not look as good on paper, you know. What I'm really looking for is the kind of health plan my family got when my Mama was employed at Meralco. It's almost as good, if not better, than health plans in the US before the current health crisis. As a child, I was sick constantly. Like, I'd be confined at a hospital maybe 3-4 times a year. Not once did Mama have to take out her wallet to pay for my bills. Our dental needs were also completely covered, unlike today when only cleaning and temporary fillings are covered. Back then, we were assured that we can have everything from a filling to a root canal and not worry about the cost. Even cosmetic treatments (braces, bleaching, etc) were covered up to 25%. Absolutely frikkin' awesome. That's the kind of plan I want for my family!

Of course, that means I've been apprehensive about the cost of personal health plans, thinking that there's a reason why companies subsidize them. But I am happy to report that we actually have cheap health insurance here. My research shows that for just P10,000 a year, a family of four can get good coverage--private hospital room, good accredited hospitals, annual physical exams, dental check-ups. If you add another 5K-10K to that amount and you get absolutely fantastic coverage, the type that asks no questions, just pays your medical bill.

That plan, even if it may be P20,000 a year, I like very much. It's really not a lot of money. Just divide 20K by 4 (that's me and my three adorable boys!), and that's just 5K a family member for an entire year. That covers dental work, annual medical checks, and should someone get sick, great medical service and treatment. For peace of mind, 20K is nothing!

Someone told me, however, that the best health insurance is money in the bank. She doesn't believe in insurance, you see, thinking that it's all a scam. She said, "How many times does one get sick anyway? Once, twice? As long as you live a healthy lifestyle, you'll be fine. And for those times you do get sick, nothing beats cash." I do agree with her somewhat, especially since when I gave birth, both times were completely paid for by cold hard cash. There's a certain sense of pride knowing we were able to save up for a hospital like St. Luke's Global.

Still, if there's cheap health insurance available here anyway, I don't see why we shouldn't avail of it. What do you think? Should I or shouldn't I? Do you have personal health plans or is yours provided by your company?

Sunday, May 27, 2012

Viral videos weekend

Everyone I know seems to be talking about the "Call Me Maybe" vid of Manila's most beautiful people so I'm glad Karrots blogged about it because I had no idea what all the fuss is about!



Well, all I can say is Georgina is head and shoulders above all the other girls. And that's saying a lot because all the girls are gorgeous, but Georgina, grabe, ang ganda-ganda niya! Too bad the video was so dark. It would've been nice to see their gorgeousness in all their glorious detail!

While that was a fun video, this next one was what really made my weekend. It's also a lip-dub vid but this one had a wonderful purpose: Get the girl to marry him! It is so sweet and fun and happy and full of LOVE!



When he said, "You've given me a lifetime of happiness. Will you let me spend the rest of my life with you?" I so know what he means. Vince did that to me. In the first year we spent together, in the first month even, he already changed my life. Even if we hadn't ended up together, he'd still have given me a lifetime of happiness. So being together all these years, with all the laughter, the adventures, the love, the kids, my life is absolutely filled with happiness. Thanks, Vince!

Saturday, May 26, 2012

My tufted headboard

I've been sooooo busy with my new mommy duties that I've absolutely forgotten to show off (hell yeah) my new Ethan Allen tufted headboard!

I won it first week of April (see happy post here). But after weeks of waiting, I was beginning to think maybe it was a joke haha. I was really just hoping that the headboard arrives before the baby does. And, thank goodness, it did! The headboard arrived first Saturday of May, yup, exactly 3 weeks ago. Here it is!
Now we need a complete bedroom makeover!
Still pregnant when the bed arrived.

It looks amazing. Amazing! But it made our coffee-and-chocolate bedroom look bad haha. Must have a complete bedroom makeover. New paint, new curtains, new sheets, maybe even new side tables and lamps. Oh my!

Friday, May 25, 2012

Yep, I STILL want something from Tod's

I've made it no secret that I want a Tod's D Bag. I've wanted one since 2008? Or 2010? Basta it's been a long while. I wanted one becausd I'm obsessed with Princess Diana. Yes, the D in the D Bag is her initial. Anyway, I may want one but the too simple design is making me hesitate. I mean, don't you want something more spectacular for 70,000 pesoses! Look at it. It's so plain.

So Tod's came out with these goodies for their Spring/Summer 2012 collection!
This D Bag comes in snakeskin, which will look really good with...
... these matching Gommino driving shoes!

Or if you're not the matchy-matchy type (I'm not),
try these driving shoes in bright colors.

I love the color orange and this D Bag in bright citrus
and rough textured leather is love!
The perfect shoe with that orange bag? This heeled lovely in
smooth buttery leather!

But since I'm a mommy now and I run after a toddler, these penny loafers
are better for me. Except that I am so not the loafers type! 
So if I must go with practical flats, then I should go wild with the bags!
Just look at these luscious colors and skins!

So there. After all this time, I'm still lusting after anything Tod's. Well, a Tod's D Bag more than anything else since I don't drive so I don't need their iconic driving shoe nor am I the loafer-type (but Tod's does have adorable ballerina flats!).

Anyway, Vince keeps telling me to just end my misery and go buy a bag already (and if I remember right, every year, the Italian brands at Greenbelt 4 go on a mega sale). But I keep feeling guilty over that price tag. I think I need more blogging raket and eBay sales to finance my Tod's obsession!

*photos courtesy of Visions & Expressions

Thursday, May 24, 2012

The reason I've been missing

... from the blogging world is this cutie:

Say hello to my second son, IƱigo Julian Amper Sales. As with tradition, the very proud Papa Vince wrote about the birth (which happened almost 2 weeks ago) over at my mommy blog.

I've been, quite understandably, up to my eyes in new maternal duties. It's harder this time around because I have a newborn and a super active (and whiny) toddler. Plus, we had to let go of the new yayas (see previous post) because their medical exams came back and both tested positive for tuberculosis. So newborn plus toddler plus no help whatsoever equals mega-exhaustion!!! Hence, no blog updates.

But we're slowly getting the hang of it. And we hired a new yaya (with a clean bill of health!) so I think I can start blogging again. See you around here soon and thanks for still being around! Mwah!