HMO Karma | Caritas Health Shield

What happened to HMO Karma? To my more than 1,400 visitors for the past months I am sorry to inform you that our HMOKARMA.WORDPRESS.COM  is no longer in service. The personnel at Caritas Health Shield  has successfully reported and brought down our website. Being an old hag (and a relative newbie), I didn't have the patience to appeal and revive the blog. Still I hope I was able to help you. What I did was a case of " CAVEAT EMPTOR" to those who want to buy caritas health shield products . Let the buyers beware of what you are buying. Especially if it's healthcare. And especially if it is expensive. That short-lived blog had more than 40 inquiries and I would like to answer them here: Is Caritas Health Shield a Scam?  Yes there design looks scammy. But no. Caritas Health Shield is not a scam. Rather, the company has a problem with their marketing. Some of their agents do not follow a code of ethics. They will drag you from your place, fool you, sell

Apparently our blog was reported to WordPress by operators at Caritas Health Shield for exposing the truth. HMO Karma was taken down for a short amount of time on September 5 during the height of the controversy . In a desperate attempt to revive my blog, I searched for my backup in the bowels of the internet and found this: Caritas Health Shield is attempting to advertise online! Instead of trying to find my backup, I took this screenshot. This is laughable. A lame attempt at advertising. I forgot about my backup and thankfully this blog was revived. What's Wrong With Caritas' Advertisement? I am not an online marketing expert but let me share to you what's wrong with their advertising: Everything. Use of Keywords It is only when you search for "Caritas Health Shield" that the advertisement appears. They should have advertised for the word " Caritas Health Shield complaints " or " Caritas Health shield reviews " or

A recent development about a financial trouble brewing in Caritas Health Shield arrived in my inbox last night. It reports that Caritas Health Shield has a deficiency of 7Billion in cash reserves. As you might know, I have reported this here but I didn't know the extent of their fund deficiency. I thought it was at only 1 or 2 billion. In simple terms, si Caritas Health Shield pabagsak po according sa report. This will be another version of the College Assurance Plan and Pacific Plans fiasco. Considering that Mr. Geoffrey Martinez and most of the executives of Caritas Health Shield are from Pacific Plans , hindi ito malabong mangyari. Some issues raised here are the following: Caritas Health Shield was Asked to Raise Fresh Capital Caritas Health Shield—reportedly the biggest health maintenance organization (HMO) and preneed firm “hybrid” in the Philippines—has been asked by the Insurance Commission to raise fresh capital amid allegations by former managers that th