I agree. Something too good to be true? Hopefully the VFW and or the embassy will be posting something about it.That is Bob Hammerslag's site. Interesting read. I would think that there would be some restrictions attached to prevent fraud (as the Philippines are so well known for). To impliment an operating HMO setup utilizing the local facilities would be a monumental task unless they severely restrict the points of access as it appears the one referenced in Bob's writeup has done. That may be the major reason that this has not gotten much traction. Just my thought on it. I wouldn't really expect much more on this line in the near future as it appears he wrote this article about 8 years ago.