Medicare Plus

What Medicare Plus does

Medicare Plus Inc. is a privately held Philippine Health Maintenance Organization (HMO) headquartered in Pasig City, Metro Manila, operating under Insurance Commission license HMO-2020-23-R. The company sells annual subscription health plans to three primary segments — individuals aged 15 days to 60 years, families, and corporate employers — and complements these with low-cost prepaid emergency health cards (ER Guard from ₱970 and ER Guard Plus at ₱3,315) that are distributed through its own online shop and major Philippine e-commerce marketplaces Shopee and Lazada. Its value proposition rests on an accredited provider network of more than 500 hospitals and clinics and over 15,000 medical and dental practitioners nationwide, integrated with the PhilHealth Konsulta program, and supported by a 24/7 Medical Concierge hotline, a FastCare mobile application, and an online member portal.

The company's revenue model is predominantly subscription-recurring through annual Individual, Family, and Corporate plan memberships, supplemented by one-time prepaid card sales and corporate account administration fees. Distribution is sales-led, executed through a network of Medicare Plan Advisors reachable via dedicated phone lines, a corporate sales team for employer group enrollments, and consumer-facing channels including celebrity ambassador marketing and the proprietary e-commerce shop. Strategic partnerships with Executive Optical, Vision Express, and Tamang Alaga add non-insurance lifestyle and pharmacy perks intended to enhance member retention beyond the core medical coverage offering.

Operationally, Medicare Plus runs a standard private-company governance structure, publishing annual corporate governance reports and audited financial statements, and is led by a management team supported by veteran staff. Headcount stands at 116 employees, with a publicly identified Data Protection Officer overseeing compliance with the Philippines' Data Privacy Act. The firm competes in a regulated Philippine HMO market where Insurance Commission licensing, network breadth, and consumer trust are the principal determinants of competitive position; the company's stated competitive advantages center on network scale, regulatory compliance, multi-channel distribution, and brand visibility through celebrity endorsements.

Name

Medicare Plus

Legal name

Medicare Plus Inc.

Website

https://medicareplusinc.com

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Medicare Plus Inc. is a Philippine HMO provider headquartered in Pasig City, selling annual Individual, Family, and Corporate health plans plus prepaid ER Guard cards via direct sales, Shopee, and Lazada to Filipino consumers and employers nationwide.

Ownership category

akta.pro rank

Headquarters

HQ city

Pasig City

HQ country

Philippines

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Annual Health Plan Memberships: Annual membership fees for Individual, Family, and Corporate HMO plans. Plans are effective for one year from policy delivery and can be renewed annually. Membership includes access to accredited network of hospitals, clinics, and medical practitioners.
2. Prepaid Emergency Health Cards: One-time purchase of ER Guard and ER Guard Plus prepaid health cards sold through online shop, Shopee, and Lazada. ER Guard starts at ₱970, ER Guard Plus at ₱3,315.
3. Corporate Plan Administration: Bulk enrollment services for corporate clients providing health coverage to employees, with dedicated account management and orientation services.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Medicare Plus is a Philippine HMO provider selling prepaid emergency health cards (ER Guard from ₱970 and ER Guard Plus at ₱3,315) and annual Individual, Family, and Corporate health plans that cover inpatient, outpatient, and emergency services. Members access care through a nationwide accredited network of 500+ hospitals/clinics and 15,000+ medical/dental practitioners, supported by a 24/7 Medical Concierge hotline and the FastCare mobile app.

Product overview

Medicare Plus is an HMO (Health Maintenance Organization) provider offering a portfolio of prepaid emergency health cards and comprehensive health insurance plans. The core offerings include ER Guard and ER Guard Plus as affordable prepaid emergency cards providing ₱20,000 and ₱50,000 in emergency room coverage respectively. For more comprehensive needs, the company provides Individual, Family, and Corporate health plans covering inpatient, outpatient, and emergency services. A 24/7 Medical Concierge service supports members with healthcare navigation. The company maintains a network of over 500 accredited hospitals and clinics with more than 10,000 medical and dental practitioners nationwide.

Differentiator

Problem solved

Functional benefit

Brands

• ER Guard: Emergency prepaid health card offering up to ₱20,000 in emergency room coverage for as low as ₱970
• ER Guard Plus

Products and services

• ER Guard Prepaid emergency health card providing up to ₱20,000 in emergency room coverage starting at ₱970. Designed for Filipino consumers seeking affordable, immediate emergency protection with simple activation.
• ER Guard Plus Enhanced prepaid emergency health card providing up to ₱50,000 in emergency room coverage for ₱3,315. Targets consumers who want larger emergency protection than the base ER Guard card.
• Individual Plans Comprehensive annual HMO plan for individuals aged 15 days to 60 years, covering inpatient, outpatient, and emergency services through Medicare Plus' accredited provider network.
• Family Plans Comprehensive annual HMO plan covering multiple family members under one membership, providing complete inpatient, outpatient, and emergency protection across the accredited network.
• Corporate Plans Group HMO plans for Philippine employers providing health coverage to employees, including dedicated corporate account management, orientation, and bulk enrollment services.
• Medical Concierge 24/7 hotline service that assists Medicare Plus members with medical concerns, healthcare navigation, and provider coordination across the accredited network.

Quantifiable outcome

• Extensive provider network with 500+ hospitals and clinics and 15,000+ medical and dental practitioners nationwide
• +1 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered minor and core.

• Executive Optical (EO)minorGTM or Marketing PartnerExclusive eye care partnership offering special benefits to Medicare Plus HMO members. Includes affiliated brands Active Eyewear, Active Eye, SEEN, and EO-Premiere. Provides member discounts and exclusive offers on optical products and services.
• Vision ExpressminorGTM or Marketing PartnerPartnership offering Medicare Plus members Buy 1 Get 1 deals on all Vision Express eyewear, plus free eye examinations. Enhances member benefits with vision care perks.
• Tamang AlagaminorGTM or Marketing PartnerExclusive medication discount program for Medicare Plus members. Members can maximize savings on essential medications through online ordering via the partner platform.
• PhilHealthcoreStrategic or Co-development PartnerIntegration with the Philippine Health Insurance Corporation's Konsulta Program. Medicare Plus shares necessary patient data (name, birthday, address, medical history, vitals, etc.) with PhilHealth for claims processing and reimbursement under the Konsulta Program. Membership includes PhilHealth registration ID and Konsulta benefits.
• Philippine Insurance CommissioncoreOthersMedicare Plus is officially registered with the Philippine Insurance Commission under license/registration number HMO-2020-23-R, indicating regulatory oversight and compliance with HMO industry standards.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Insular Life: One of the largest Philippine life insurance companies offering health and wellness coverage products. Comparable to Medicare Plus broadly in health insurance, with substantially larger insurance portfolio.
• Kaiser Permanente (international comparison): Large integrated HMO operator with a model combining health insurance and provider network management. While not a direct Philippine competitor, it serves as a comparable reference for HMO business model and infrastructure build-out.
• Etiqa Philippines (formerly AsianLife Insurance): Affiliate of a larger Malaysian insurance group offering health and life insurance products in the Philippines. Broader incumbent competing with Medicare Plus in the health insurance segment with deeper capital backing.

Regional players

• AVEGA Health System: Philippine-based health management and HMO service provider competing in the same regional market. Comparable to Medicare Plus in geographic focus and product offering, though with different operational emphasis.

Direct peers

• AsianLife & General Assurance Corporation: Philippine insurance and HMO provider offering health coverage products to individuals and corporate clients. Comparable to Medicare Plus in offering health insurance and competing for similar customer segments.
• Medicard Philippines: Established Philippine HMO provider offering Individual, Family, and Corporate plans with a large network of hospitals and clinics. Closely comparable to Medicare Plus in product offerings and customer base.
• Intellicare (Asalus Corporation): Major Philippine HMO provider offering Individual, Family, and Corporate health plans with a wide accredited network. Directly comparable to Medicare Plus in business model, product structure, and customer segmentation.
• Maxicare Healthcare Corporation: The largest HMO provider in the Philippines, offering Individual, Family, and Corporate health plans with a network of thousands of providers nationwide. Directly comparable to Medicare Plus in product mix and target customer segments, but operates at substantially larger scale.
• Cocolife: Philippine insurance and HMO provider offering health coverage plans to individuals and groups. Comparable to Medicare Plus in health insurance product offerings and target market.
• PhilHealth Care Inc. Philippine HMO operating alongside the national PhilHealth program, providing supplemental health coverage. Comparable to Medicare Plus in HMO structure and integration with Filipino healthcare consumers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/medicareplus
• Instagraminstagram.com/medicareplusinc
• TikToktiktok.com/@medicareplusinc
• LinkedInlinkedin.com/company/medicare-plus

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Medicare Plus