Not sure which plan fits your headcount? Let's build your quote together.
Mary Ann Mildred Taclibon · Health Benefit Consultant
Agent Code: A469350
Cellphone: 09175680593
Email: maryannmildredtaclibon.maxicare@gmail.com
Group Coverage That Grows With Your Business
Maxicare has several business HMO options, but for small to medium businesses, I recommend starting with these two — Starter Plan and MaxicarePlus — sized for where your company is right now. Compare them below, then book a free consult and I'll help you build the exact package your team needs.
Starter Plan vs. MaxicarePlus, Side by Side
| Feature | Maxicare Starter Plan | MaxicarePlus |
|---|---|---|
| Company size | 3-9 principals | 10-99 principals |
| Max total headcount | 99 (principals + dependents) | Unlimited dependents per employee |
| Plan tiers offered | Single program (full-HMO) | Platinum, Gold, Silver, Bronze — mix across your team |
| Pre-existing condition contestability | Has a contestability period — a capped benefit limit applies if diagnosed with a pre-existing condition within that period | No contestability period — pre-existing conditions (dreaded & non-dreaded) are covered up to the full MBL per illness right away |
| Optional add-ons | Dental, Life w/ AD&D up to ₱25,000 | Cancer coverage, Dental, Life w/ AD&D, Wellness Programs, Executive Check-up |
| Payment terms | Annual or semi-annual | Annual, semi-annual, or quarterly |
| Age eligibility | Principals/Adults 18-65 · Minors 15 days-23 yrs | Principals/Adults 18-65 · Minors 15 days-23 yrs |
Group premiums are quoted per company based on headcount, tier mix, and add-ons — book a free consultation for your exact rate.
Common Questions From Business Owners
How do I know if I need Starter Plan or MaxicarePlus?
It comes down to headcount: 3-9 employees fits Starter Plan; 10-99 employees qualifies for MaxicarePlus, which also unlocks 4 tier options and unlimited dependents. If you're right at that edge, I'll help you compare actual costs for both.
Can employees be on different tiers under MaxicarePlus?
Yes. MaxicarePlus offers 4 tiers (Platinum, Gold, Silver, Bronze) with different Room & Board types and Maximum Benefit Limits — many companies mix tiers by role or seniority to manage cost.
Are pre-existing conditions covered for our employees? What's a "contestability period"?
Contestability period, in plain terms: a stretch of time after enrollment when Maxicare can still apply extra limits on a condition an employee already had before joining — sort of a probationary window before full benefits kick in for that condition.
Maxicare Starter Plan has this contestability period. If an employee is diagnosed with a pre-existing condition during that window, a capped benefit limit applies instead of the full Maximum Benefit Limit (MBL).
MaxicarePlus has no contestability period. Pre-existing conditions — both dreaded and non-dreaded — are covered up to the full MBL per illness right from enrollment, no probationary cap involved.
This is one of the real trade-offs between the two plans, not just headcount — worth factoring in if any of your team has a known condition.
Does either plan cover maternity or psychiatric care?
No — maternity care and psychiatric/mental health care are excluded from both Starter Plan and MaxicarePlus, consistent with Maxicare's standard HMO exclusions. If your team needs that coverage, we can discuss supplemental options during your consultation.
Is there a fixed price I can just apply for?
No — group premiums are quoted per company, based on your headcount, chosen tier(s), and any optional add-ons like dental or cancer coverage. There's no self-checkout for business plans; book a free consultation and I'll prepare your actual quote.
Decide With Clarity, Not Guesswork
A group HMO plan is a commitment for your whole team — it only delivers value if your HR team and employees actually know how to use it. Booking a free consultation isn't optional advice, it's how you avoid paying for a plan no one understands: I'll walk you through tier selection, exclusions, and exactly how your team can avail of their benefits when they need care.