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EPS PAYMENT

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morganstern
5/2/2019 08:18 EST

How do people make their monthly payment when they are out of the country for months at a time?

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saiid20
5/2/2019 08:31 EST

When we were first in country, we were "independente" in EPS system. Every month, hd the option to choose how many months we wanted to pay for (prepay)
That was 9 yrs ago but believe its still vallid They'd be happy to take your $$$.

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morganstern
5/2/2019 08:33 EST

The first person I asked at Sanitas said I could not prepay....so I will ask again. Thanks

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cafetero
5/2/2019 08:46 EST

When you asked Sanitas how you can pay monthly from outside the country what did they suggest? I'm curious, too.

I've also heard you can put your Sanitas account on hold for months at a time but I don't know if it is true.

Way back about 2012 I put my Coomeva EPS account on hold for 6 months and didn't make those payments, then when I was ready I started it right back up again without any penalty. But I don't know if you can do that with Sanitas or not. Good luck.

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morganstern
5/2/2019 09:12 EST

Cafe.....I had Sanitas EPS normal in 2011....then left the country for 7 years. When I came back to Colombia they told me I was still a member and that all I needed to do was to fulfill my obligation for the remainder of 2011...2 months....which I did and then started 2019 as normal. Que bueno. The problem for me is that I must maintain my EPS current to keep my PREMIUM in force....PREMIUM can be paid via Internet. But the basic is the question. I would like to find someone who has kept their status up via Internet.

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tubes
5/2/2019 09:34 EST

I do my SaludTotal payments online using the nuevosoi.com.co site.
The actual transfer is done from my bank using the PSE system.

They tell me that soon there will be a monthly reminder and automatic payments.

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morganstern
5/2/2019 09:39 EST

Tubes....okay...thank you!

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elpdiver
5/2/2019 13:15 EST

So tubes can you make that payment from outside Colombia?

LPd

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tubes
5/2/2019 15:17 EST

elpdiver:

Of course you can access the website from anywhere but you do need a Colombian bank to complete the payment online.

I still use my old Italian web service but it is never questioned.

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elmacho
5/2/2019 15:47 EST

I do mine by Internet everything monte. I imagine that if I was out of the country I would just keep using the same method!

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morganstern
5/2/2019 16:31 EST

To those who pay by Internet...is it by debit to bank account or debit to a card? And does the bank account have to be Bancolombia or can it be another local bank? And to a foreign bank debit cared (BofA)?

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fecherklyn
5/2/2019 17:42 EST

It is by debit to your bank account.

Yes, you can use banks other than BanColombia. I use Banco GNB Sudameris and it works perfectly.

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Kee
5/3/2019 08:47 EST

We found a Byzantine way to pay Sanitas for the entire year. My wife called and Sanitas set up the authorization of payment (or whatever the proper term is) so we could pay at Servientrega.

The only catch was that the system would only accept one payment each day. We we went on 12 consecutive business days to pay 12 separate monthy payments.

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Bickerss
5/3/2019 14:36 EST

We pay our SURA EPS monthly by internet, using the PSE to Bancolombia. In and out of Colombia. We pay all our bills online, including Predial.

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SkyMan
5/3/2019 16:20 EST

Check out PSE.com
Buena Suerte Tranquilo.

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Vikingo
5/4/2019 08:58 EST

We had a case in the family a few months ago where Coomeva wasn't paid for a little over a year and suddenly insurance was needed due to an emergency after delivery. An inquiry at Coomeva revealed that all it takes to bring payments amounting to 1.300.000 up to date and that the current hospital bill would be paid. Almost a month in intensive care with expensive examinations would be much more than a million 300, so the insurance was brought up to date.

I would simply ask my EPS if I can skip a few payments while in the exterior and bring the account up to date at my return.

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Vikingo
5/4/2019 09:07 EST

It seems the State has control now over the EPS system.
During an inquiry at Sura last week I was told to my surprise that the monthly contribution for basic EPS would be around 103 mil pesos regardless of age, preexisting conditions or estrato where one resides.

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cafetero
5/4/2019 09:28 EST

Vikingo, sounds like an excellent change. Does the 103,000 at Sura cover your family, too? It really would be a lot better for us if there are no restrictions between barrios or between ciudad and pueblo. I was paying 97,000 at Coomeva last year, but my friend who lives in Estrato 5 in Pereira was paying 600,000 for what appears to me to be the same policy I had. If his premium drops to 103,000 he will be very happy I'm sure.

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littlebhuddha64
5/4/2019 10:07 EST

I am paying 103,000 for a family of four. My meds alone would run 300-400,000 a month. If you are on maintenance meds you do’t even pay the 3,000 copay.

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morganstern
5/4/2019 12:17 EST

Cafe....you have had too much coffee......the following is impossible.

" I was paying 97,000 at Coomeva last year, but my friend who lives in Estrato 5 in Pereira was paying 600,000 for what appears to me to be the same policy I had"

You have made this statement before and both times you subjectively said 'it appears or I think' Maybe the higher payment includes a retirement contribution...otherwise it is impossible.

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cafetero
5/4/2019 13:35 EST

Morganstern, please tell me why my post is impossible? Thanks in advance.

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Vikingo
5/4/2019 14:21 EST

Yes cafetero, all family members become 'beneficiarios' like underage children, husband, wife or permanent companion and are covered by the 'cotizante' or head of the family's policy we were told by Sura.
Not sure about her aging parents who are without any retirement income and are totally dependent on their offspring like in most poor families, this would need to be investigated.
A requirement to classify as a permanent companion is living under the same roof as a couple. It seems a notarized 'Union Libre' is no longer required.
A portion of the 103 mil goes into a retirement fund for the wife or permanent companion which needs to be paid into for a minimum of ten years. There again this could have recently changed with so many new laws affecting the EPS'
I don't know if higher payments for the basic EPS will be lowered automatically or on request, but good luck with that one. A way out would be to change to a different EPS to get the lower payment. There is a two months delay though before the newly selected EPS will take over.

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cafetero
5/4/2019 15:03 EST

Thank you Vikinggo, very helpful information. Next week I am interviewing three different EPS providers and I´ll post my findings here.
So far I've decided to interview Sanitas and Sura, but not sure which will be the third I will interview.

I've had Coomeva and no complaints but it seems others have not been impressed by them.

I just heard not to use Medimas and Allianze. I'm not sure what others are available in Pereira.

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cafetero
5/4/2019 15:11 EST

Vikingo and LittleBuddha, just curious, do you both live in the city?

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littlebhuddha64
5/4/2019 17:03 EST

I live on a finca in southern Huila not far from Pitalito

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Vikingo
5/4/2019 19:03 EST

I live in Cali

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hfehrpp44
7/1/2019 15:30 EST

I have EPS and believe it is well worth the 103.600 COP that I pay each month. I am 63 years old. Do you know if I can upgrade to a better or an enhanced type of plan and pay more to do so? I am not sure if this is possible nor what the "Premium" plan is named, if even available. Thank you

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elmacho
7/1/2019 15:49 EST

hfehrpp44, I am 62. I am with EPS Sura. I cannot have Prepagada Sura due to my age. However I have a Seguros Bolivar Poliza that is similar to a Medicina Prepagada in Colombia and convers me Worldwide when I travel including the United-States. It is not cheap but not much more expensive than what a Prepagada would cost.

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cafetero
7/1/2019 16:16 EST

Thanks El Macho, the Seguros Bolivar Poliza has several plans, Essential Care
Global Select Health plan
Global Premier Health plan
Global Élite Health plan
Global Ultímate Health plan

Do you know which plan you have? What does it cost? was it hard to qualify for?

How much does your EPS Sura cost? Thanks in advance.

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elmacho
7/1/2019 17:04 EST

Cafetero,

The Plan that I have is "Essential Care".
All the other one are more comprehensive and therefore more expensive.

It was very easy to qualify for it, I was not asked to pass a Medical Exam,
However, if I remember correctly, I had to fill a Medical Questionnaire.

The Price for the Poliza is Quoted in US$, hence what you pay in COP$ varies according to the prevailing Exchange Rate. Last October I paid COP$ 9,856,204
The Premium varies a lot depending on the Deductible that applies while one is away (travelling) from Colombia.. In my case, to reduce the Premium, I took a US$ 20,000 Deductible.
When in Colombia there is no Deductible.
I purchased it through a Insurance Broker here in Medellín:

Visíon Seguro
Tel.: ?+57 (4) 444-8473
Talk to: Alejandro Londoño Escobar, Cel.: ?+57 (315) 518-1113
or Winny Restrepo Londoño, Cel.: ?+57 (315) 643-4567?

Please note that being covered by an EPS is a requirement to get the Poliza.

As an "Independent" my EPS Sura cost me COP$ 103,600 per month.

Hope this helps!

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morganstern
7/1/2019 17:56 EST

hfehrpp44.....to have an answer, first tell us where you live....what city?

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cafetero
7/1/2019 18:08 EST

Wow, elmacho, you are correct, the Essential Care plan is VERY expensive if you are paying 831,000 month and have a 64,000,000 deductible.

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jooks
7/1/2019 18:29 EST

Cafetero, I would think it depends on the coverage - how comprehensive and quality of medical care. It's too rich for my blood, but compare it to the US - my policy at the last job I had cost over $800 (I paid something like 25%). It was a decent policy but nothing special and also an HMO.

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cafetero
7/1/2019 18:32 EST

Jooks, did you notice he has a $20,000 deductible? By comparison, the Coomeva Pregagdo costs 900,000 per month and there isn't any deductible.

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EpaEpaEpa
7/1/2019 18:44 EST

"I was paying 97,000 at Coomeva last year, but my friend who lives in Estrato 5 in Pereira was paying 600,000 for what appears to me to be the same policy I had. If his premium drops to 103,000 he will be very happy I'm sure."

Cafetero I suspect there has been some miscommunication between you. The premium your friend says he pays would almost certainly be for medicine prepagada not EPS.

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cafetero
7/1/2019 19:05 EST

EPA. the Coomeva prepagada is 900,000. Sorry, confusion still reigns.

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cafetero
7/1/2019 19:08 EST

Jooks, elmacho is paying $260 month with a $20,000 deductible. In Colombia. Not in United States. That sure doesn't sound like a normal policy to me.

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morganstern
7/1/2019 21:22 EST

Jooks, elmacho is paying $260 month with a $20,000 deductible. In Colombia. Not in United States. That sure doesn't sound like a normal policy to me.

I was paying $200 a month 6 years ago for Colsanitas. $260 sounds like the right price to me.

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meincolombia
7/1/2019 23:45 EST

Morganstern, did you have a $20,000 deductible with Colsantis?

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morganstern
7/2/2019 07:27 EST

Deductible? Don't remember.... that really is probably a co payment...not sure. EPS these days has a 3000 peso co payment. Anyway you are talking about 6 dollars...not a lot.

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soystar1
7/2/2019 07:55 EST

Pilgrim, you can advance pay before you vacation.

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meincolombia
7/2/2019 09:01 EST

Morganstern, the elmacho has a $20,000 USD deductible is what the other poster is referring too. I don't think any of the EPS or Prepagada plans in Colombia have a deductible other than an occasional copay of $1 or $2 USD.

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elmacho
7/2/2019 13:44 EST

Cafetero,

I took in account the following facts when assessing the value of the Poliza:

I have no coverage at all from the system in my home country, I am totally on my own.

Sura Medicina Prepaga is not available to me because my age (62).

After having checked them out I am not interested in the other very few Medicina Prepaga Plans available to people over 60..

If you consider that Medicina Propaganda valid only in Colombia, i.e. with no International Coverage, would cost, say COP$ 650,000 per month then you get the International Coverage for COP$ 181,000 per month. Note that the International Coverage allows to be away from Colombia for stays of a maximum of 180 consecutive days.

Please note the the Sura Medicina Prepaga plan include a very very small International Coverage with Assist Card, The value of this coverage that is not even worth talking about as you wouldn't getting a nurse to put you a Band Aid for that money in the USA as it is US$ 50,000 if I remember correctly.

The deductible applies only to the coverage outside of Colombia, not within Colombia. For my circumstance I decided that if I am in the USA (Worst Case Scenario) and I have a Heart Attack I can afford to pay the deductible while being protected from costs that would bankrupt me in a heartbeat (pun intended).

If you compare with International Insurance Plans for Expatriates it does not seems so costly. These plans generally have 2 rates, the first one is for the world less the USA and the second rate to include the USA in the coverage is just about double the firsts rate,

So, for me, I am killing two birds with one stone with this Poliza, I am getting a Medicina Prepagada Plan and I am getting International Coverage, i.e. I can travel Internationally anywhere in the world anytime without having to worry about Health Travel Insurance.

Finally I have one question for you Cafetero, why are you changing of EPS right now (just curious)?

Best Regards!

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cafetero
7/2/2019 14:57 EST

Thank you elmacho, very good explanation!

I changed from EPS Coomeva to EPS Sanitas a year ago because the treatment I was getting at Coomeva was declining. For example, for tooth care, in three years the dental office went from 5 dentists and 2 helpers down to 1 dentists and a part time helper, so the wait times for a filling became too long in my opinion.

I switched to Sanitas when I lived outside Bogota and they had a very good presence there. Now, I live in Pereira and EPS Sura has the best presence here and it its much closer to my house.

I could choose to stay with Sanitas and be very happy, I'm just trying to get the best I can and I believe Sura is the best available in Pereira.

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Elexpatriado
7/2/2019 22:53 EST

IFYI I pay about 570,000 for Coomeva prepagada Oro.

63 yo

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Cruisechef
10/29/2019 13:02 EST

I see alot of variation in pricing and plans in this thread. Is this information not make public officially?

Thanks

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cafetero
10/29/2019 14:26 EST

CruiseChef, there are two pricing structures for EPS coverage.
First is the basic EPS coverage that most of us have and it costs 103,000 month and in my opinion is very good coverage.

The second option is to get a EPS Prepagado Plan which is like a premium insurance plan that is above and beyond the EPS basic plan. It is like exited health care.

For example, the EPS Pregagado might send a doctor to your house if needed.

The Prepagado insurance is based on a percentage of the income you declared when you enter Colombia and you pay 12.5%

So, for an expat earning $1500 monthly from Social Security like me, the EPS Prepagado would cost about 637,500 month.

However, I do not feel the Prepagada is worthwhile. After 10 years here in Colombia I've needed a tooth filled and teeth cleaning and annual physical. So, in my opinion no need to pay an arm and a leg for extended health care coverage.

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Elexpatriado
10/29/2019 15:18 EST

Cruzchief

Domt even go there...

Who cares pay what you can try several EPSs out

Tell them you heard it qas 94 or 104 cop a month stick to your guns and dont listen to any " white noise" on this site.

It will just confuse you and will probably be wrong in.practice in real.life, even ifit ss suposedly "the written law"

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