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 $$$.
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.
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.
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)?
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.
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.
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.
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.
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.
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
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.
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:
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.
"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.
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 $2 USD.
I took in account the following facts when assessing the value of the Poliza:
I have no coverage at all from the system in my home country, I am totally on my own.
Sura Medicina Prepaga is not available to me because my age (62).
After having checked them out I am not interested in the other very few Medicina Prepaga Plans available to people over 60..
If you consider that Medicina Propaganda valid only in Colombia, i.e. with no International Coverage, would cost, say COP$ 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)?
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.
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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