[1] H. M. E. Zapanta, R. C. Rosaria, J. A. S. Gabor, N. G. Reyes, L. D. Deada, and M. V. Abante, “The Lived Experiences of HMO Individual Cardholders on Healthcare Coverage and Services,” IJAEMS, vol. 11, no. 6, pp. 030–061, 2025, doi: 10.22161/ijaems.116.5.