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You did the work.
The HMO still has the money.

For doctors who do their own HMO paperwork.

"I understand that there is a process in everything pero naman, anong petsa na???"
A pediatrician in Parañaque · radar.ph, June 2026 · More from doctors

Paid for work already done.

Sundo keeps the list of what every HMO owes you, sends the follow-ups for you, and keeps the proof.

Which HMO owes you the most? Tell us, and that HMO goes to the top of our list.

Which HMO owes you the most? Tell us, and that HMO goes to the top of our list.

sundo.Replies in seconds
The list, in 15 secondsTry it yourself
  1. Photograph the form.Lay it flat, tap once.
  2. The details fill in by themselves.HMO, patient, number, amount. You check them.
  3. The billing goes out from your own Gmail.Claim form, invoice, statement of account, all attached. It sits in your Sent folder, and the HMO replies to you.
  4. It ages on its own.14 days, 61 days, 428 days. The claim from last year turns red, and you see it without working it out.
  5. The follow-ups go out on the day.At 7, 30, 60 and 90 days from the billing, each citing the Insurance Commission rule, each logged with a reference. You read it, you tap, it goes.
  6. Resibo muna bago bayad? One tap.When the HMO says "payment available, send us the invoice", photograph the invoice. It goes back with the claim form attached.

Doctors have been saying this for years.

Real public posts and articles, quoted as written, names left out.

I understand that there is a process in everything pero naman, anong petsa na???
A pediatrician, Parañaque. ₱300 consultation, paid after 18 months, ₱270 after tax. She has stopped taking HMO patients.radar.ph · June 2026 · View source
I saw two patients in 2024, and only after two years is the HMO paying. Just ₱360 per patient. You're even lucky if the payment isn't extremely delayed, or worse, not paid at all.
A doctor, on why colleagues turn HMO patients awayThreads · April 2026 · View source
We are pleased to inform you that your payment is now available. For us to release, kindly provide us an invoice.
An HMO's email to a doctor, releasing ₱475. The receipt comes first, the money after. The same doctor has fees from one HMO unpaid since 2020.Facebook · January 2025 · Screenshot on file
Resibo muna bago bayad. They said payment would be released within a week. In my experience it can take months, if it is released at all.
A doctor, on one HMO's invoicing rule. She has stopped taking HMO patients.Facebook · August 2026 · Screenshot on file
Nakapag bayad ka na ng tax sa resibong inisyu mo pero di mo alam kung matatanggap mo pa ang payment mo.
The same doctor. You have paid tax on the receipt you issued, and you do not know if the fee will ever come.Facebook · August 2026 · Screenshot on file
Sila na mali, ako pa din mahassle.
A doctor whose cheques carried the wrong tax rate for years. To fix it she returns the cheque and pays ₱75 for the reprint.Facebook · 2026 · Screenshot on file
A ₱350 cheque arrived in 2021, for services in 2016. The doctor had died in 2017.
His family, as reported by the Inquirer. They hold other cheques they never cashed.Inquirer · July 2024 · View source
Hindi pwede ang sistemang mabagal ang pagbayad sa mga doktor.
The House appropriations chair, on delayed government payments to doctors: late pay makes doctors refuse eligible patients.Inquirer · August 2024 · View source
With technological advancements, how come these HMOs are decades lagging?
A doctor, tagging the Philippine Medical Association and asking it to take a stand.Facebook · 2026 · Screenshot on file
Payments more than 150 days overdue, against a promised 30-day turnaround.
A clinic in Lipa, Batangas, on why it suspended part of its PhilHealth services.radar.ph · 2026 · View source

Where a post is no longer up, a dated screenshot is on file. If one of these is yours and you want it changed or taken down, ask here.

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