thronton
3/25/2015 08:49 EST
I am looking at retiring and spending time in Panama but also the U.S., If I get health insurance in Panama can I use that health insurance policy in the U.S. if need be in case of emergency?
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BoqueteGirl
3/25/2015 10:41 EST
No, most plans here are "Hospital" plans. If you get an "International" plan it is costly and most International plans don't cover the U.S. That is why I always tell anyone who will listen to make sure you get your medicare entitlement when you qualify from the U.S. My husband and I have Medicare A,B,C,D.
Example: 2013 we went back to the U.S. and my husband was in the hospital and had cancer treatments, our total out of pocket in the U.S. was approx. $1,100. his bill was around $90K. You will need a U.S. Address. We used our daughters address because that is where ALL our mail comes to and where we stay when we go up to the U.S. (Our second home)
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thronton
3/25/2015 11:04 EST
Thank you BoqueteGirl, so I am 56 and would most of the time in the US, but let's say I had to have cancer treatments could I then go to Panama for those treatments at a lesser cost of insurance. I guess my big issue is that right now under the Affordable Care Act my cost or what I would need to budget is $24,000/year. That being the premium and deductible. $12,000 + $12,000. That is just to much and I am not sure how to get around that. Any suggestions would be welcomed.
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Lamastus
3/25/2015 16:09 EST
They have medical tourism that you can go to other countries at a lot less than affordable care
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panamajames
3/25/2015 16:24 EST
While I was in Colombia, almost every expat tourist I met was there for medical tourism. Medical is cheap in Panama, but cheaper in Colombia and very experienced doctors.....Check around the world.
Buenos Aires Argentina is also famous for its medical tourism, and with the American dollar now reaching 13.5 on the Peso, it is an extra special good deal.
If you just need international insurance as a traveler, look into BUPA and there are some others I can send to you..............
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thronton
3/26/2015 09:12 EST
Panama James that would be great if you have other ideas besides BUPA. I am really trying to get an understanding how I can travel outside of the US but still be covered in the US without having to have the Affordable Care Act Insurance. It is so expensive. Retiring is turning into a job.. LOL
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jonoyakker
3/28/2015 20:41 EST
You can buy Bupa, is not really servicing individual insurance plans. The best company I have found by far is MS Panama.
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dirtbikerdr
4/1/2015 08:45 EST
afordabe care act expensive ?
my health plan is 1500.00 a month,
ocare is 450.00 ?
ocare is not international, mine is.
I cant afford mine either , if i retire. I too have reached 55 and can retire if healthcare was not so much. problem ure going to run into. people willl say you need to keep u.s insurance for chatastrophies, and you will find its hard to retire cause u,s, insurance has grown into the biggest ripoff....im begingin to thank the system want to force us to work onger so entitments dont have to pay as much cause we will draw less feom our pensiosm401k ,s,s etc...
frustrated
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tasnuck
4/9/2016 19:01 EST
Check out Geoblue. www.geo-blue.com. They offer health insurance that works internationally. It is very useful for executives that travel for business but also for expats and multinationals. Can't tell you what it all costs as our hiring company supplied it but can recommend it.
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coronadochris
4/10/2016 11:09 EST
If you are a Panamá resident, Cigna Global has a plan that will give you international coverage, including coverage in the U.S. for up to 90 days a year. The rates are very affordable compared to the U.S.
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Inpanama
4/10/2016 17:38 EST
Worldwide Medical also has international plans that will cover you while in the U.S. I think there is a limit to the number of days you can spend in the U.S., though.
There are very few local or regional plans left in Panama - most have been bought out by the big insurance companies, so regional coverage is very limited. As an example, Hospital Chiriqui in David used to offer a great regional plan, with great (basically 100%) coverage and with access to one of the biggest and best hospitals in Panama City. That regional plan was bought out 2 years ago, and now the best you can get is a maximum of $24,000 in coverage with no access to PTY hospitals.
All international plans are expensive, and most will exclude prior conditions, make you wait 6 months or more for coverage of prior conditions, or deny you altogether.
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tomgiam
4/13/2016 15:36 EST
This web site gives instant health insurance quotes from a number of world wide providers.
https://www.brokerfish.com/
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ol
12/4/2016 18:12 EST
yeah that's the only company i can find that will give you credit for coverage for your per-existing conditions
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Debra730
12/5/2016 07:22 EST
The only company that will cover Panama and the U.S. Is Cigna. It is very very expensive. If you are 60 or over most insurance companies will not insure " first time coverage."
We were never able to use the insurance weir chased. The hospitals and physicians demand cash. We came back to the states because of this.
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theisp
12/5/2016 10:18 EST
We have VUMI-good all over the world and in the USA. WE are 68 and pay around $1900 per year for the two of us.
We are healthy. If you join the Canadian Club (I think that is what it is called one time) you get another small discount. Check out their plans. Also, in Panama you can get hospital insurance. We used American Express before VUMI for out of the country vacation insurance. Good luck!
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