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Healthcare Options in Costa Rica

By Steve Linder

Summary: Overview of healthcare in Costa Rica, including CAJA, INS, Private Medical Insurance and the best hospitals.

Healthcare Options in Costa Rica - Expat Information

Costa Rican Health Care Overview

Costa Rica provides health care services for residents through a program similar to the social security program in the US. The Costa Rican equivalent is known as the CAJA, but is really the CCSS, (Caja Costarricense de Seguro Social). There are approximately 30 public hospitals operating under the CAJA and about 250 public clinics located throughout the country. Clinics, known as EBAIS, can be found throughout the country and are the primary source of medical care in the countryside providing basic health care services. For more advanced care, patients of the CAJA are referred to the 5 major hospitals in San Jose. In 2009, there were 5 specialty national hospitals, 3 general national hospitals, 7 regional hospitals, 14 peripheral hospitals, and 10 major clinics serving as referral centers for primary care clinics. In Costa Rica, all residents are entitled to care through the public system and Costa Rica spends roughly 8% of GDP to pay for these services. Under the new Immigration laws of 2010 .all expats must enroll and contribute to the CAJA system (about $37 - $55 per month per person, depending on age) and are eligible for low cost access to the national health care system, neighborhood clinics, hospitals and pharmacies. Most pharmacies in Costa Rica have a full time doctor who will prescribe many medicines over the counter that would require a visit to the doctor in the states. Pharmacies will also make referrals to various clinics or hospitals when conditions merit referral.

Those seeking coverage through the private health network in Costa Rica can either pay for services as they go or buy an insurance policy through the INS, or through an international insurance policy offering coverage in Costa Rica.

Costa Rica Health Plan Options

  • CAJA (CCSS) is offered to all residents (participation is required for immigrants)

    Covers doctor's visits, medications, examinations and hospitalization.

    Pre-existing conditions are generally covered

    Covers pre-existing conditions.

    Covers all medications including dental and eyes.

    Some reasons to consider this plan.

    Have pre-existing health condition and do not qualify for INS insurance.

    Take medication on a regular basis.

    Have it as major medical in case of serious illness.

    Monthly premiums cover all illnesses for the member and his immediate family for that month. The cost, for someone younger than 55 years old, is $55 per month; 55 years or older is $37 per month.

  • INS - The governmental insurance company

    Covers 80% of the cost of doctor's visits, medications, examinations and hospitalization.

    Individual chooses the doctor.

    Does not cover any pre-existing medical condition.

    Does not cover most dental or eye exams, treatments or glasses, preventive medical check-up, illness or disorders related to female reproductive organs during the first 12 months of coverage, or birth of a baby during the first 6 months of coverage.

  • International Health Insurance Policy

    The INS and other Insurance Providers offer an international insurance policy that covers your needs in Costa Rica and the rest of the world. These new medical policies cover medical expenses due to accident or sickness. Items covered include Hospitalization and ambulatory expense, maternity, prosthesis, organ transplants, air evacuation, repatriation of remains, funeral costs and a yearly check-up and eye test. The rates are higher but the coverage is still very reasonable, especially when compared to the US. Costs vary according to the carrier and a variety of carriers can be found using Google or other search engines

  • Dental Insurance Plans

    A variety of dental plans are available both through the INS as well as international carriers, but dental care costs are considerably lower than in the US. Typical cost for a root canal is $200 or less, crowns $250 or less, fillings from $20 to $60 and dental implants typically cost about 30% of comparable prices in the US. Costa Rica's health tourism industry initially started with dental care.

  • Elderly Care

    Elderly care facilities are now appearing in Costa Rica with the primary market being immigrants and expats. There facilities are designed on US models and are considerably less expensive than US equivalents. Those unable to afford such care can hire live in domestic help often for a fraction of the cost of comparable care in the US or Canada. There are some elderly care facilities operated by the CAJA but they are generally in short supply. With high emphasis on family, most Costa Rican families keep their elderly parents at home.

The primary public hospitals of merit in the CAJA are:

  • Hospital Nacional de Ninos in San Jose - A 250 bed facility located in San Jose was founded in 1845and reputed to be the best children's hospital in Latin America. Pediatric specialties for urgent care and life threatening illness for children 12 and under.
  • Hospital San Juan de Diosin San Jose - A 600 bed facility specializing inintensive care, burn treatment, cardiac care and a good surgical unit. The hospital is located in a variety of "pensiones" that house different treatment facilities. It also has a good psychiatric center as well as an addictiontreatment center.
  • Hospital Nacional Dr Max Peralta Jimenez in Cartago - Founded in 1922 this facility offersa complete suite of health services. Currently the hospital handles 633 beds but the physical condition of the hospital is in need of improvement. A modernization and expansionis currentlyunderway.
  • Hospital Mexico - LaUruca - Just off the General Canas Highway (the Pista) between the SJO airport and downtown San Jose. This facility is crowded and in need of a rehab, but there are a large number of specialists and physicians located in the immediate area. There are a number of medical buildings surrounding the hospital that support the services of Hospital Mexico. It is reputed to offer decent care, but wait times are often long and the hospital sometimes suffers from shortages ofnecessary equipment.
  • Hospital Rafael ngel Caldern Guardia - San Jose - There are more than 600 beds in this facility and they often handle thousands of outpatients daily. The surgical theaters, cardiac care unit and the intensive care unit are well equipped. It is often difficult to find English speaking staff here however.

Private Health Care Options in Costa Rica - There is also an extensive private health care network in Costa Rica and private insurance is available for expats through the INS, the nationalized insurance agency in Costa Rica. The private health care system features a variety of hospitals and clinics of which I will discuss in detail below. The private health care network provides faster service and increased privacy. This network consists of a number of hospitals, most affiliated with US hospitals or Universities.

The 3 primary hospitals of merit are:

  • CIMA Hospital - located in Escazu off the Circulavacion highway and the newest private hospital in Costa Rica and opened in February 2000. CIMA is affiliated with the Baylor University Medical Center in Dallas and managed by the International Hospital Corp of Dallas as well. CIMA is a full service hospital noted for the latest equipment available including a phenomenal coronary facility. Services also include MRI's and Ultrasounds, joint replacement, prenatal care, emergency and intensive care. CIMA is a beautiful hospital and rivals the best hospitals in North America. There is a 7 story building adjacent to the hospital housing over 100 specialists in nearly every medical specialty.
  • Clinica Bblica located in downtown San Jose, is now affiliated with the Blue Cross-Blue Shield network. Clinica Biblica was founded in 1929 and has grown and prospered ever since. The hospital is affiliated with the prestigious Evergreen Hospital in Kirkland, Washington and Clinica Biblica and Evergreen have a teaching relationship allowing doctors of both facilities to train in either facility. Services include cancer care, a large surgical facility handling joint replacement and major surgeries, a coronary center, neonatal, orthopedic, dental including oral surgery and more. Clinica Biblica offers an extensive medical tourism program for expats.
  • Clnica Catlica located in Guadalupe, a suburb of San Jos. Clinica Catolica supports emergency and intensive care, mental health, respitory, nutrition, audiology, infectious diseases and even has a hyperbaric chamber. Diagnostic services offered are extensive and there is a full lab and pharmacy on premise. The facility includes the Hotel Posado el Convento - a colonial style hotel that adjoins the hospital and offers recovery services for patients.
An extensive list of healthcare facilities, providers, physicians and specialists is maintained by the US Embassy in Costa Rica and that list can be found here.

Medical Tourismin Costa Rica Costa Rica has an extensive history in medical tourism. Back in 1948, Costa Rica introduced a nationalized health care system that provides nearly free medical care for all residents of the country. In the past ten years or so, Costa Rica has emerged as a top destination for both eco-tourism and medical tourism -- attracting clients from both the US and Canada as well as other foreigners. Costa Rica provides high quality health care at a much lower cost than many other countries. The World Health Organization ranks quality of care much higher in Costa Rica than in the US. The close proximity to both the US and Canada has led to a large increase in visitors from these counties seeking affordable health care services that are cost prohibitive in the US and Canada. The high cost of many procedures and the lack of health insurance due to the high cost continues to attract foreigners in search of affordable health care options. Dentistry is also in high demand in Costa Rica since the cost of procedures like root canals, crowns, bridges, veneers, dental implants and oral surgery are much lower. The close proximity to the US and Canada and the large selection of airlines providing flights to Costa Rica has kept both the cost and travel time low. Direct jet service from the US is now offered by nearly every major carrier and the health facilities in Costa Rica are now seeking new patients from these markets. American Airlines offers 5 daily flights from Miami as well as direct flights from New York and Dallas. Delta offers daily flights from Atlanta and Continental from Houston. US Air, United, Jet Blue, Spirit Airlines, Taca, Lacsa, Mexicana, Air Canada and others offer direct jet service from a variety of gateway cities in both the US and Canada. International health care facilities are rated by an organization known as the Joint Commission International that rates and provides accreditation for hospitals worldwide.

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Healthcare in Quepos/Manuel Antonio, Costa Rica

To use the socialized medical system in the área, you do not need to be a resident of Costa Rica (Residente). The hospital will accept all patients. It is not a large hospital and some procedures will be referred to either the closest national care hospital or one of the private hospitals in the Central Valley. However, there are many private care physicians in the área who will treat you and/or make referrals to more specialized care in other parts of the country. The local hospital has an emergency center.

Healthcare in Playa Jaco, Costa Rica

In Costa Rica, you must be a resident of the country to qualify for CAJA also know as the national socialized medicine. Additionally, this is not an option but a requirement of your residency here. The monthly fee is calculated based on your income. The local clinic also known as EBAIS is centrally located. If you are in the área, familiarize yourself with it's location. If you are not a resident, there are several private care physicians in the área and they are well educated and professional. If you do not speak Spanish, there are many that are bilingual. I know of at least one that has a 24 hour facility for emergencies. Additionally, specialists from the Central Valley visit these private care facilities on a monthly basis so if you need specialized care, it is available. At present, a general office visit in a private care facility is $40-$45.

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About the Author

Steve Linder is the managing Partner of Pacific Lots of Costa Rica, the largest and oldest expat development in Costa Rica. Steve is from Cambridge, MA and attended Northeastern University's International MBA program. He spends winter months living in Key West, FL and Costa Rica and summers in Massachusetts. Steve is an authority on Costa Rica and has traveled the country for nearly 20 years.

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Comments about this Article

Feb 25, 2011 14:06

I am interested in determining if my psoracratic arthritis would be covered by CAJA (CCSS). From Steve Linder's article I learn it is "offered to all residents (participation is required for immigrants) Covers doctor's visits, medications, examinations and hospitalization. Pre-existing conditions are generally covered Covers pre-existing conditions. Covers all medications including dental and eyes. Some reasons to consider this plan. Have pre-existing health condition and do not qualify for INS insurance. Take medication on a regular basis." I take injections of Humira which my current health insurance plan pays $1,500 per month. Does anyone have knowledge of how I can find an answer? Anyone to contact? Your help and advice will be greatly appreciated.

Aug 25, 2011 14:29

I have almost the same question as Ivan, but the medication is Remicade for rheumatoid arthritis. Is there an online list of all the prescription drugs available? Thanks! Sophie Jensen

Jan 6, 2012 18:00

Steve , I have Lived in C .R. & traveled there for a # of years ( worked / lived, over 20 years ,worked for embassy / Mil. ) and family Co. ( A top Forbes 500 Co. till we sold Now just a big Ranch ( over 3 states & 1,000,000 plus !! Sorry , just wrong facts ! Chow cowboy John , just a ranch ) I mustsay do not have your facts Right ; Sorry , but what u said is not all true ! I can show u any time u like !till you do get it / u should try to live it /

Mar 7, 2012 11:06

Dear Steve, We live in Rhode Island USA,we are both 60 years young and trying to find out exactly how much private health ins. will cost per year. If you can supply info specifics we would be so grateful.Coasta Rica sounds perfect for us in so many ways. My husband is a physician ENT and i am presenty a non practicing R.N. We would like to partially retire in two to three years. It seems that specific health ins. info is hard to come by So look foward to hearing from you Sincerely Molly Aronson

Mar 7, 2012 11:16

Dear Steve, We live in Rhode Island USA,we are both 60 years young and trying to find out exactly how much private health ins. will cost per year. If you can supply info specifics we would be so grateful.Coasta Rica sounds perfect for us in so many ways. My husband is a physician ENT and i am presenty a non practicing R.N. We would like to partially retire in two to three years. It seems that specific health ins. info is hard to come by So look foward to hearing from you Sincerely Molly Aronson

Mar 7, 2012 16:27

To those who have asked about specific medications you might be on for pre-existing conditioins, I suggest you call one of the pharmacies in Costa Rica and just inquire about the cost of your particular drug in Costa Rica. Many drugs that cost hundreds of dollars in the states cost very little in Costa Rica. I can get a Lipitor equivelant for about 1/7th the cost in the US. My wife has a medication that we were paying nearly $200 for in the US that I can buy in Costa Rica for about $23. Two conditions I did not discuss are pre-existing conditions and those very elderly. First of all no country wants to pick up the healthcare tab of those with pre-existing conditions but that does not mean you can't afford to live there. Since healthcare is less expensive in Costa Rica, even with a pre-existing condition you may find that treatment costs out of pocket or insurance costs that may be available considering the pre-existing condition may still be a much better, cheaper, more user friendly option than your options elsewhere. Those of advanced age might not be able to get coverage from the CCSS propgram and may be forced to buy private insurance. Keeping in ind that even Medicare pays for no more than half the cost of insurance coverage in the states, this still will likely be much less expensive than just Medicare. For exact quotes on medications try contacting this pharmacy for pricing http://www.alivioexpress.com/esp/laboratorio.php which will take you to a very user friendly site within Clinica Biblicas pharmacy. If you want insurance quotes for health insurance go to the link below (you will need to paste it into your browser) and you will find a list of brokers selling insurance in Costa Rica. Spend a bit of time and a few bucks on phone calls and you will find what you need to know. http://portal.ins-cr.com/portal.ins-cr.com/Encontrarnos/Corredores/ NSURANCE BROKER AF General Manager: Fuentes MBA.Laura Najera Phone : (506) 2240 - 1310 Fax : (506) 2236-8112 Email : info@afseguros.com Website: www.afseguros.com Address: San Jose Llorente Tibás, the newspaper Al Dia 200 meters North, Building D Ferenc, San Jose, Costa Rica or

Mar 26, 2013 16:30

All Medications are NOT provided at 'no cost' through CAJA. Neither is all dental and eye care. This price quote 'The cost, for someone younger than 55 years old, is $55 per month; 55 years or older is $37 per month" really needs to be updated, by at least $20 per month!!! Since you should be prepared to wait for a year or more to see a specialist most expats go to a private practitioner. NOTE: INS will not admit new policy holders after reaching 70 years of age.

Mar 27, 2013 09:23

Do keep in mind that this article was up to date when it was printed. Times change and prices rise, the cost of the CAJA goes up a bit each year. You can't get private healthcare insurance through the INS (Institute National de Seguros) after you reach 70 years old.

Mar 28, 2013 15:08

"Do keep in mind that this article was up to date when it was printed" First Published: Jan 07, 2011 With the ease of updating a website, this CAJA /CCSS information, can easily be amended.

Mar 29, 2013 08:34

To the person who suggested it is easy to change a website, I wrote the comment that the information would eventually become out of date (Steve Linder who wrote the article in the first place) and you followed by saying it is easy to update a website. I wanted to point out that I can't update THIS website, it is run by a third party, I submitted the article two years ago and was merely pointing out that things change over time.

Apr 16, 2013 17:33

You are probably right in that you cannot update this website, as I don't know the protocol for this site, but you can update your own, http://www.pacificlots.com/healthcare-costa-rica/ 'Costa Rica Health Plan Summary': The cost, for someone younger than 55 years old is $55 per month; 55 years or older $37 per month.

Nov 20, 2013 13:58

Here are a couple of updates and a general comment regarding this topic from a 5-year resident of CR: - The monthly premium for new residents is now a percentage (+/- 13%) of your income. - A LOT of prescription drugs are not carried by Caja - The level of care provided by Caja is VERY uneven around the country. Hospitals are overcrowded, and unless you have something immediately life-threatening expect to wait days, weeks, or years for treatment. Just consider the Caja premium to be a tax and you will feel better about flushing that money. - Fortunately, private care in CR is excellent and generally 20-25% of the retail cost in the States. We don't even bother with insurance. Here was the "last straw" experience we had with Caja: http://adullroar.blogspot.com/2012/07/our-caja-experience-part-2.html Pura vida, Casey (A Dull Roar)

First Published: Jan 07, 2011

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