For Health Insurance
, here are some things to consider:
• Bring your medical records with you.
• For most health care coverages in Panama, you must apply for health insurance before the age of 65. Most Panamanian insurers will not begin new coverage after that age.
• For applications after the age of 65 there are other plans, mostly international plans, but very complete as well.
• Assess your coverage in your country of origin. For example, if you are a US military veteran, your TriCare coverage is honored in Panama by most hospitals. If you have International Blue Cross Blue Shield, your coverage may be valid here—check.
• Medicare and Medicaid are NOT available in Panama. Some Medicare riders to permit you to apply for some reimbursement if you must travel back to the US for care. Ask the Social Security Administration for these details.
• Some hospitals offer a type of in-house medical plan. Research these carefully before you commit. These are NOT insurance (hence they maybe underfunded). They are usually limited to one medical provider. They may not be all they claim to be. Do your due diligence.
• While the Panamanian National Health Insurance (Caja de Seguro Social) is available to you as a resident or visitor to Panama, be aware that many services are not what citizens of the US, Canada and Europe are accustomed to. The actual medical care itself may be excellent, but there are often shortages of medications, rooms, nurses, etc. The hospitals are old—many lack air conditioning, privacy, and other things you might consider basics. Very few of the personnel will speak English.
• If you experience a medical emergency (or any other kind for that matter) it is extremely important to have a Panamanian advocate to interpret, monitor, and manage your situation. That is why Magda Crespo Insurance is unique—all clients have 24/7 access to her in emergencies. Magda and her staff will make necessary calls, meet you if warranted, and advocate for your needs. A friend in need, is a friend in deed!
Aseguradora ANCON, established in 1992, is part of a multinational group of insurance underwriters. ANCON is fully licensed.
In Panama, ANCON provides full service insurance coverage. Coverage is available throughout the country at the hospital of your choice.
Ancon provides three reasonably priced health coverage options:
• Complementary (Catastrophic)
• Hospitalization Plus
• Global (International)
The Hospitalization Plus policy covers:
• Ambulance service
• Hospitalization – semi-private
• Intensive care
• Outpatient surgery (100%)
• Congenital illnesses – 2 year waiting period (80%)
• Emergency coverage for accidents, critical and non-critical instances (80-100% covered)
• Catastrophic illness (80%)
ANCON’s Complementary policy covers (Only for catastrophic illnesses)
• Hospitalization (private)
• Physicians and surgeons
• Intensive care
• Catastrophic illness including trauma, kidney failure, burns, stroke, cancer, etc. Annual limitation
• Organ transplant
• Hospital charges including prescriptions, lab work, x-rays, specialist exams, consults.
• Congenital defects/illnesses – 2 year waiting period