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Health Insurance Cost

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sshelton839
11/13/2016 01:07 EST

My wife and I are considering retirement in Algarve and are concerned about the cost of health insurance. I am 62 and she is 53. Quick online searches indicate an approximate monthly cost of +1000USD for both of us. Does this sound reasonable? Will it be possible to get national health coverage once temporary residency is established? I estimate our monthly pension income will be about USD $3000 and cannot afford to spend one third on health insurance. Any insight is appreciated.

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craigandmicki
11/13/2016 07:38 EST

You will never qualify for more than the most minor care under the Portuguese national system...such as for a small cut, or an injection. You should reach Bruno Pereira at Medal () to see group rates under the insurer Allianz. High quality private health care (that you will be required to hold the entire time you're in Portugal) at several cost/benefit levels. You will join the organization 'afpop', who partners with Medal to offer this coverage. A second option is thru a bank you join here, which also offers insurance but at slightly higher rates. Some people have purchased the Medis insurance but it covers very little.

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PresentMonkey
11/13/2016 08:18 EST

Hello sshelton.......

We are in the process of getting our insurance. We are 64 and 61 year old. We have chosen through Millennium Bank the option number 3 due to our age. We felt the price is reasonable. Option 3 is 165.48 Euro per month per person including dental but the bank gives a discount. We were quoted for two of us medical only 285.00 Euro per month. They show individual for medical only per month at 145.09 Euro. I shows your wifes age will be less. Here is the link
http://ind.millenniumbcp.pt/en/Particulares/insurance/Pages/plano_saude_medis.aspx

Good Luck,
Linda

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beeg1234
11/13/2016 10:08 EST

My husband & I just purchased Allianz health coverage through Medal. Best price & quality coverage. Do NOT go with Medis...pretty bad medical coverage and very expensive. I'm 51 with a breast cancer history & my husband is 50. Annual premium for both of is 1,236 euros. Bruno is also excellent to work with.

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adamc465
11/13/2016 10:26 EST

Sorry this is off the topic, but you mentioned having a family history of breast cancer. Dr. Jerry Tennant explains that cancer grows when the cell voltage is cronicly low then the cancer appears on a particular part of the body (a section of the body like a battery cell is dead electrically). This decrease in voltage is caused by an diet, gmo foods, pharma drugs, constant stress, sugar and more. Go to his videos and be put at ease to understand the cause of all illness and how to avoid them. Brilliant man! Sad to admit but todays doctors have few answers because of corporate medical fascism. This is not spam. Im a member and looking into moving eventually.

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adamc465
11/13/2016 10:26 EST

Sorry this is off the topic, but you mentioned having a family history of breast cancer. Dr. Jerry Tennant explains that cancer grows when the cell voltage is cronicly low then the cancer appears on a particular part of the body (a section of the body like a battery cell is dead electrically). This decrease in voltage is caused by an diet, gmo foods, pharma drugs, constant stress, sugar and more. Go to his videos and be put at ease to understand the cause of all illness and how to avoid them. Brilliant man! Sad to admit but todays doctors have few answers because of corporate medical fascism. This is not spam. Im a member and looking into moving eventually.

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expat health insurance from CIGNA

Choosing an expat health insurance provider is an important decision. Get a quote from our trusted expat health insurance partner, CIGNA. With Cigna Global Health Options, you can create an international health insurance plan that's perfectly tailored for the needs of you and your family.

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sshelton839
11/13/2016 12:14 EST

I did not mention a family history of breast cancer. My question concerns health care cost. Purchasing international health insurance will cost about $1000usd; can we purchase in-country health insurance at much cheaper rates once we have residency?

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beeg1234
11/13/2016 12:56 EST

I'm not saying anyone has a breast cancer history. I'm saying annual premium for my husband & I is 1,200 euros so 100 euros a month for full medical coverage even though I have a history of very serious illness. Does that make sense?

Just contact Bruno from Medal & he will help you; again his email is

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sshelton839
11/13/2016 15:06 EST

Thanks for your response. I wish you the very best!

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captdave51
12/19/2016 15:15 EST

I have received a quote from Medal(afpop) but they do not cover pre-existing conditions. With high blood pressure (under control via medication) I need this coverage. Any ideas? Thanks. David

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captdave51
12/19/2016 15:17 EST

Your post infers it covers pre-existing conditions? True? My wife and I are looking for this type of coverage. Thanks.
David

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beeg1234
12/20/2016 07:08 EST

Medal (afpop) does cover pre-existing conditions under CERTAIN plans. Certification from your current insurance agency you've been covered in the past 12 months will waive pre-existing condition & waiting period. For example, I provided a letter from California Blue Cross Blue Shield stating I have been covered by them continuously for the past 12 months. Waiting period & pre-existing conditions were both waived for me & my husband.

My situation: I had breast cancer in 2014 & I won't be considered in remission until 2019 so I definitely have a pre-existing condition & so does my husband with some nerve damage issues from military service. Per person annual premium is 612.50 euros (this is plan in Option B Allianz w/best doctor coverage - no dental or prescription).

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captdave51
12/20/2016 08:43 EST

Thank you for your reply concerning your pre-existing conditions. Unfortunately, my wife and I do not have any health insurance so would not be able to qualify for the waiver.

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PresentMonkey
12/20/2016 12:01 EST

Hello sshelton839,

I posted below that we were in the process of getting our insurance. We live in Coimbra and have many options from clinics, University Hospital and the private hospital called Ideal Med.

We are in our early 60's and needed to choose the highest plan number 3 due to our age. It is costing for medical only, (not dental or eyes) total for the both of us is 325 per month.

We did this through our bank "Millennium" Something of note we were surprised by: We took all our information for our pre-existing conditions printed out to the bank. I showed him the paper and he said they didn't need it.

The police does have a waiting period for certain things of 30 and 60 days but nothing we have to worry about.

We feel good about the coverage and wish you good luck finding what is right for you. It might be different depending on what area you live in.

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sshelton839
12/20/2016 23:53 EST

Thanks very much for your helpful post. All the best!

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gringo2u
12/22/2016 07:48 EST

Can you get the Millenium Bank coverage if you're over 70? Thanks!

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PresentMonkey
12/22/2016 08:44 EST

gringo2u,

There are 3 levels. Level 3 allows you to maintain your policy after you turn 65. The policy needs to be opened before you turn 65. This is from their website. You might go into the bank to ask if there is another option for someone over 65.

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gringo2u
12/22/2016 09:03 EST

Thanks!!

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