| Here is a brief comparison of the Caja and the
INS medical plans available in Costa Rica.
Caja National socialized system
- Covers doctor's visits, medications, examinations and hospitalization.
- Doctors are assigned to the patient.
- Covers pre-existing conditions.
- Covers all medications including dental and eyes.
Some reasons to consider this plan:
- Have pre-existing health condition and do not qualify for INS insurance.
- Take medication on a regular basis.
- Have it as major medical in case of serious illness.
Monthly premiums cover all illnesses for the member and his
immediate family for that month. The cost through the ARCR
if younger than 55 years old is $58 per month; $37 per month
if 55 years or older.
INS The semi-autonomous government insurance
company.
- Covers 75 percent of the cost of doctor's visits, medications, examinations and
hospitalization.
- Individual chooses the doctor.
- Does not cover any pre-existing medical condition.
- Does not cover most dental or eye exams, treatments or glasses, preventive medical
check-up, illness or disorders related to female reproductive
organs during the first 12 months of coverage, or birth
of a baby during the first six months of coverage.
Some reasons ARCR members have the INS plan.
- Can choose a doctor.
- Can make doctor's appointments with less red tape.
Rates of coverage depend on age and sex; 20 percent deductible
for each doctor's visit.
|
