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The C-Cares Story
© Chito Ferrera

The idea of having C-CARES sprang from a belief that it could be done. It is true that various health care financing schemes are already in place in the city and even in other rural areas. The Department of Health (DOH) is actually strongly supporting this advocacy. It is based on the premise that it could help ensure a sustainable and effective health care. It is even safe to say that it is not a new technology. More often than not, however, the question "who will do it?" as always, preludes. Sometimes we just pass it on, let other people do it for us. We become mere spectators of the proceedings around us. Where will we go? Somehow we have a choice to make, a task, which could be little things for the betterment of the most number. Dr. Eufronio Ferrera Jr., Medical officer and concurrently Officer-in-Charge of Malipayon District Hospital understands the state of health care in Corcuera. He knew its intricacies and the odds prevailing but his optimism remained unruffled. The idea of putting up a community-based health care financing scheme is foremost in his mind.
In a monthly meeting of the Malipayon District Hospital employees, Dr. Ferrera tackled the idea before them and it was warmly welcomed. They shared the same enthusiasm and belief that indeed it could be beneficial to many. He then talked to Mrs. Noemi Madrona, a public health nurse of the Rural Health Unit of Corcuera to which the idea was already disclosed during a seminar in Odiongan to get feedback from her co-workers in RHU. There were no hesitations among them, just a resounding affirmation to the idea. A joint meeting was proposed.

C-CARES FIRST MEETING
On November 20, 2002, the group convened for the first time at Malipayon District Hospital. lt was attended by health personnel of RHU namely Noemi Madrona, Norma Fallarme, Nancy Factor, Lina Fruelda and Norma Fojas from the Malipayon District Hospital; Alily Fajutag, Lowella Mazo, Leah Andrade, Pinky Fetalino, Arsita Fa,jilago and Dr. Ferrera. Dr. Ferrera who presided the meeting presented the proposal to the group. The core group immediately accepted the project proposal. There were no hesitations. The initial draft of C-CARES was reviewed and minor kinks were ironed out. It was a cordial meeting of the minds so to speak vis-à-vis the health care inadequacy confronting the community. lt might not be the answer but it could be part of the solution. Everybody on that meeting agreed that it could be a huge help to the whole community. Another meeting was proposed.

DECEMBER 2, 2002 C-CARES 2nd MEETING
After the first meeting, the group received positive feedback about the plan. Though there were some doubting Thomases, the group's intense enthusiasm prevailed. lt was agreed upon that massive information dissemination be done in the grassroots. Barangay Health Workers will be tapped to help spread the information about C-CARES. Implementing guidelines were also finalized. Launching was also calendared on January of the following year.

C-CARES LAUNCHING
It was the start of the year. It was a perfect day. The sun was beaming and few clouds hovered over the blue sky. January 11, 2003 was a red-letter-day for C-CARES. There's no stopping, no looking back. It was out in the open. C-CARES was finally launched at Corcuera Amphitheater and in attendance were teachers, BHW, Brgy. Captains, municipal employees, health personnel, farmers, etc. Basically it came in all specter of the community. Dr. Ferrera formally presented C-CARES - a community based health care financing scheme. An open forum was held after the presentation to answer questions and to quell doubts about it which, humbly speaking, the group answered with satisfactorily. It was a heartwarming affair. Our presentation went beyond expectations. Despite the short preparation and decapitated information, the launching was, nonetheless, a huge success. lt was very evident and, to say the least, very consoling to see the enthusiasm and the ineffable warm acceptance of those who attended the launching. lt was told in a simple language that made everybody understood that it is not just a concern of one but the whole community. C-CARES finally came in full-bloom.

PRESENTATION TO SB
It was an initiative as we call it among the men and women of MDH/RHU. We started it off for we believe that, among others, we have a social responsibility to the community. This is our little contribution to the good and welfare of the people of Corcuera. Yet we envision that every member of the community be involved and be a partner in this endeavor. Dr. Ferrera in its launching asked the local legislators to adopt C-CARES through a resolution and throw their full support to the program. The call did not fall on deaf ears. SB Eusebio Advincula, Chairman, Committee on Health, made an initiative of inviting the prime movers of C-CARES to its regular session. On January 17, 2003, almost a week after it was launched, Dr. Ferrera together with Mrs. Noemi Madrona presented C-CARES to the honorable members of the august body. Again, the body headed by presiding officer Vice-Mayor Richard Fruelda warmly accepted C-CARES. Most of them appreciated the wisdom of it. Undeniably, this was again a great success for C-CARES.

LOOKING AHEAD
To date, more than a thousand have enrolled in C-CARES and still counting. Surprisingly, it surpassed our projection of enrollees. Still, there are still some quarters ambivalent about C-CARES. Yet the general acceptance of the community is beyond compare. But then again, these are all just prelude to its viability. A lot of things have still to be done. A bundle of determination has yet to be unleashed and a throng of guts has to be summoned to ensure that its existence and objectives will be realized.
C-CARES is making sure that no stones will be left unturned. lt has been doing some refinements to its implementing guidelines and other operational details. It is aggressively promoting to the grassroots through the unwavering support of the midwives and barangay health workers. The determination is unblemished. The enthusiasm is unperturbed. The success of C-CARES depends on the support of the community and all sectors. But it is on the right track. The local legislators passed and unanimously approved a resolution adopting the operation of C-CARES in its regular session. There are also some individuals who are offering their support to the cause. The LGU thru its chief executive, Mayor Bibiano Fanlo, is very supportive.

Note: The above story was previously submitted o the DOH Extension Office in Odiongan. For some reasons the author made some revisions.


WHAT IS C-CARES?
It is a community-based health care financing scheme designed primarily to answer the basic needs of the people especially that of an isolated community.

OBJECTIVES:
· to provide assistance in terms of basic health needs of the community.
· to be involved in the promotion of a progressive community through health care adequacy
· to put awareness among household members the value of health.
· to provide the community with self serving, self-belonging community health financing program.

HOW TO JOIN
An individual who intends to join simply has to pay P 20.00 as membership fee then a monthly contribution of P1, P5 and P10 depending on chosen bracket. A family contributes P20 as membership fee for all members of the family then a monthly contribution of P1 ,P5 and P10 for every member enrolled. After six months, members who paid the aggregated contribution will be entitled to all C-CARES services offered.

Any new member can only avail of the benefits unless she/he completes the six monthly contributions.

WHERE TO PAY
Monthly dues payment can be made to any BHW/midwife involved in the program or to duly authorized personnel of MDH/EHU.

OPERATIONAL DETAILS
All members will be issued with C-CARES card. Fund will be managed by the joint committee on fund disbursement and management of MDH and RHU.

BENEFITS
Plan/Contribution/Benefit
A: P 1: P 200 + P200 ETA, Health Education & Counselling
B: P 5: P 700 + P400 ETA, same as A
Health Education & Counselling
C: P 10: P 1200 + P600 ETA, same as A
*ETA - Emergency Transport Allowance