WellCare hotline, claims and licence
Wellcare Health Maintenance Inc. is an HMO (health maintenance organization).
Licensed. Certificate of Authority no. HMO-2024-02-R.IC HMO list dated Aug 31, 2026. Its 2025 revenue of ₱165.2 million was the 18th highest of 27 HMOs in IC statistics. Of every peso of revenue in 2025 it paid 51 centavos in members' health care and claims (₱84.9 million ÷ ₱165.2 million, IC HMO statistics).
- GLOBE(02) 7754-8688
- Domestic Toll-Free No.1800-8-7548688
- PLDT(02) 8247-5840
WellCare hotline and claims
| Domestic Toll-Free No. | 1800-10-3792255 |
|---|---|
| hmo@wellcare.ph |
From WellCare's contact page.
- Claim refused or unpaid: the Insurance Commission regulates WellCare and sets the rules for adjudicating HMO claims, so the complaint goes to the IC.EO 192 sec. 4(a)
- If the HMO fails: the IC can appoint a conservator, receiver or liquidator to protect members.EO 192 sec. 4(e), 4(i)
Complaints
- Write to WellCare first. Put the policy or plan number, what happened and what you want in one letter or email, and keep proof of the date.
- Then go to the Insurance Commission. The IC takes requests for assistance on claims and complaints through its public assistance forms, by email to publicassistance@insurance.gov.ph or by phone on (02) 8523-8461 local 103 or 127.
- Report anyone selling without a licence to the IC Regulation, Enforcement and Prosecution Division, repd@insurance.gov.ph.
IC records
| Revenue, 2025 (IC) | ₱165.2 million, 18th of 27 |
|---|---|
| Health care benefits and claims, 2025 | ₱84.9 million |
Company details
- Licensed company
- Wellcare Health Maintenance Inc.
- Certificate of Authority
- HMO-2024-02-R
- Official website
- wellcare.ph
- Licensed for: prepaid health care plans: agreed health services for enrolled members, for a fixed fee paid in advance for a set period.EO 192 sec. 2
- Licence: every HMO needs a licence to operate from the Insurance Commission, which issues, renews, suspends and revokes HMO certificates.EO 192 sec. 4(b), 5
- Not an insurer: life insurance comes from a company on the life list, under a different licence.
How tax applies to the plan
- Premiums you pay: employees on pure compensation income cannot deduct HMO or health insurance premiums. Since TRAIN, Sec. 34 allows them no deductions, and the old ₱2,400 health premium deduction is gone. Self-employed people and businesses work under the business-expense rules instead. See health insurance for the self-employed.NIRC Sec. 34 as amended by RA 10963, from Jan 1, 2018
- Worked example: an employee on salary only pays ₱15,000 a year for a family HMO plan. Deduction allowed on the income tax return: ₱0, so taxable income stays the same (Sec. 34 as amended by TRAIN).
Before you sign or pay
- Match the company and number. Your contract should name Wellcare Health Maintenance Inc. and the licence number shown at the top of this page.
- Ask for the seller's IC licence. Ask which HMO they represent and confirm it with WellCare.
- Pay Wellcare Health Maintenance, not a person. Keep the official receipts issued in Wellcare Health Maintenance's name.
Questions
Is WellCare legit?
Yes. Wellcare Health Maintenance Inc. is licensed by the Insurance Commission (licence HMO-2024-02-R). A genuine contract names Wellcare Health Maintenance Inc. and that number.
What is the WellCare hotline?
(02) 7754-8688 (GLOBE), or 1800-8-7548688, as printed on wellcare.ph.
Which hospitals accept WellCare?
WellCare keeps its list of accredited hospitals and clinics on its own site, wellcare.ph. Check it before a planned visit, because networks change.