Costa Rica Health Insurance–How and with Whom Do I Get It?

Written by Michael Simons on . Posted in Costa Rica Living, FAQ's, Investing in Costa Rica

What’s the deal with Costa Rica health insurance?Costa Rica health insurance

Up until a few years ago, there was only one insurance company in Costa Rica, INS (Instituto Nacional de Seguros). It is the nationalized insurance company, owned and run by the government. With CAFTA (Central American Free Trade Agreement) most of these socialized services have broken up, and now there are many companies competing for your business, not just with insurance, but with cell service and other products as well. This is great for everyone, because competition creates better service and more competitive prices.

Please contact Ron Sturm for insurance rates with INS.
crsimplified@gmail.com
8654-8151

Although INS is still a fantastic option for car and home insurance, there are other companies out there to offer all the other policies as well; Project Construction and Liability along with Condos, Restaurants and Hotels, etc.

As a resident of Costa Rica, you are entitled to FREE medical care through the CAJA (Social Security) of the country. There are a few small fees you must pay every month to contribute to the overall stability of the system. Many individuals though, foreigners and Ticos, also want higher quality private medical coverage that allows them to choose their doctors and hospitals and also cover them when they travel outside of CR.  Is private Costa Rica health insurance available?  Yes.  I personally have an amazing policy, that gives me the same coverage as my old Blue Cross Blue Shield of Florida, for 20% of the cost of what I was paying back home.

Please contact Phil Eitmann for more info on private insurance with outside carriers.

www.insurenowcr.com 

Gloriana Echandi has helped many of my clients obtain private Costa Rica health insurance

You can contact her at:  imcgloriana@yahoo.com   8365-2886

Another spectacular option for private medical insurance is Insurance Consultants International.

Their website is www.GlobalHealthInsurance.com and the specific page for long term, expat plans is https://www.globalhealthinsurance.com/global-health-plans

You can contact Mark Sneed at 719-428-4503

mark@globalhealthinsurance.com

Roberto Moya is an insurance agent with Blue Cross Blue Shield Costa Rica.  You can contact him at Rmoya@segurosromo.com or visit his website www.segurosromo.com

Having a Baby in Costa Rica

Written by Michael Simons on . Posted in Costa Rica Living, Costa Rica Medical Care, EX PATS in Costa Rica, FAQ's, Newsletters

Having a Baby in Costa Rica

So you are thinking of moving to Costa Rica and possibly starting a family?  Raising your children in this land of peace and prosperity sounds like a great experience for everybody but maybe you have some questions about what it’s like to give birth in Costa Rica?

Many of our clients were asking these same questions so we spoke to a few ex-pat couples who either have had babies recently or are just about to have them in Costa Rica.

Before the fun stuff here are some interesting numbers:

Costa Rica ranks 51st in the world for infant mortality rate at 9.89.  Here are how the countries in North and Central America compare to each other: 

Infant Mortality Rate per 1,000 live births 

24.       Canada                         5.22
34.       United States             6.81
51.       Costa Rica                  9.89
80.       Panama                      18.18
82.       Mexico                        20.50
98.       El Salvador                21.54
99.       Nicaragua                  21.59
106.     Honduras                   28.12
119.     Guatemala                 30.12 

Out of the whole American Continent (North, Central and South America) only Chile (#44, 7.19) rates better than Costa Rica.

Some say that infant mortality is an indicator of a countries health care system and wealth.  If you look at the list of countries that rank better than Costa Rica they are all highly developed 1st world countries. 

The World Health Organization (WHO) rated Costa Rica’s Health Care System at the 37th best in the world just ahead of the United States who ranks 38th.  What is even more interesting is that the United States Health Care system is the most expensive in the world whereas Costa Rica’s is just the 50th most expensive in the world.

As reported by CNN in 2013 giving birth in the U.S. is more expensive than any other country in the world. Total costs average $18,329 for a vaginal delivery and $27,866 for a C-section, with the bulk of the bill going to insurers. However, families with insurance still have to pay about $3,400 out of pocket.

Krista and Chris, one of the ex-pat couples we interviewed for this blog, extensively researched the costs of having a baby in Costa Rica in a private, state-of-the-art maternity hospital facility in either San Jose or Liberia.  Total costs for what they call a luxury natural birth are $3,000.  The cost for a C-Section is around $1,500 more.

For those of us who are math challenged – The cost to have your baby delivered in Costa Rica with first class doctors and facilities is $3,000 – Still less than the average out of pocket costs of $3,400 for a fully insured birth in the United States.  From what Krista and Chris tell us, the level of care offered in the private birthing facilities in Costa Rica are a level above the average of what you would receive in The US.

But this is where the story gets interesting…

You are probably thinking you would hear how Krista was pampered by the ever attentive staff at the CIMA private hospital in San Jose or how the doctor they had chosen for delivery of their first child is a pioneer in the field of natural child birth or how Chris was able to be in the private room throughout the process and be the birth coach as they had practiced, then load up baby pictures to Facebook using the free WiFi in the private recovery room while Krista and their new child rested and got acquainted in the after birth bliss?

The story definitely has a happy ending but it did not go quite as planned…

So, as Krista Says, the baby “was in a hot hurry” and decided to come 2 weeks early.  Well Grandma was not there to help and the trip to the swank birthing palace at the CIMA Hospital in San Jose was off and it became a scramble to not become the first baby to be delivered in a Pacifico Condo.  They called Michael Simons and in no time a rental car was delivered personally by Nelson from Adobe rent-a-car, a dog sitter showed up and off they went with Krista in full labor.  They arrived at the Liberia Public Hospital, were whisked into the Maternity Ward and literally within 35 minutes Kruz was born.

So the birth of Kruz, Krista and Chris’ brand new bouncing baby boy was natural as they had hoped and planned, in the well equipped, capable and efficient Public Hospital Maternity Ward where they were able to do everything they had planned to do in the fancy private facility except for three things:

•Chris did not have WiFi to load up the newborn pictures
•Chris had to sleep on a very uncomfortable chair instead of a nice bed the private facility offered and
•THEY DID NOT PAY A DIME!!!!

Couple who are having a baby in Costa RicaAnia and Drew, the other ex-pat couple we interviewed, are expecting their first baby in the middle of September 2013.  During their research they decided right away on having a baby in Costa Rica at the public hospital in Liberia, Guanacaste, Costa Rica.  So far the pre-natal care they have received locally has been wonderful, detailed and free.  All they have to do is pay their monthly contribution to the “Caja” which is the Costa Rican version of the Social Security system.  The average monthly contribution per family is about $50. 

We are all anxious to see their new baby so check back for another baby blog for details on their birthing adventure. Generic levitra best price at http://www.noc2healthcare.com/levitra-generic/ guaranteed.

Costa Ricans who receive a paycheck from their employer are required to contribute to the caja based on their salary and it is an automatic payment.  If one person in your immediate family is contributing to the Caja then your whole family automatically has free health care.  So basically everyone in Costa Rica has very inexpensive, relatively good health care that always covers having babies.

So what are you waiting for?

START MAKING BABIES!!!

Tank Tops Flip Flops Newsletter edition no. 25

November 2019
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