I had the Humano Max Plan for just under a year. It cost me $450 every three months for four people. I called them and said that I needed to remove my son from the plan, as he was moving back to the US, and add myself as I was no longer covered by my employer.
In order to do this, I had to cancel my old plan and start a new one. When I first signed up, I signed up through a Spanish speaking agent, over email, using Google translate. I didn't really ask a lot of questions, stupid me. This time I signed up with an English speaking agent, so I was able to ask more questions. Things I sadly did not know the first time around is that you have to wait a YEAR before they will cover anything "catastrophic". Emergencies are covered right away, but just the ER bill and consultation. After 3 months they'll pay for one nights hospital stay, after six months a little more.
Regrettably, I have experienced the DR healthcare system, before I had insurance, and was paying cash. The ER bill and consultation, the only things that would have been covered, were peanuts compared to the surgeons, surgery, and hospital stay bill. Even if I had insurance, I still would have been footing most of the bill.
To clarify, I asked, because "emergencies" are covered right away, what would be covered if I had a heart attack.
The ambulance bill, the emergency room bill, and the consultation with a cardiologist. Basically, the doctor who is going to say "yup, yer having a heart attack, yer gonna die"! What wouldn't be covered is the cath lab, surgery, hospital stay ect. because it is considered a catastrophic event. The same scenario if I had a broken leg. Only the ER visit and diagnosis from an orthopedic surgeon would be covered until you hit the 1 year mark of continuous coverage.
Office visits, cough and colds, check ups are all covered. But you cares, that stuff is dirt cheap anyways.
So, buyer be ware. I now have travel insurance. We're all covered, right now, for up to US$50,000 and it costs me $295 every three months. And that even includes evac back to the states. The agent also told me that the local hospitals love to see that insurance cause they know they can charge Gringo prices.
In order to do this, I had to cancel my old plan and start a new one. When I first signed up, I signed up through a Spanish speaking agent, over email, using Google translate. I didn't really ask a lot of questions, stupid me. This time I signed up with an English speaking agent, so I was able to ask more questions. Things I sadly did not know the first time around is that you have to wait a YEAR before they will cover anything "catastrophic". Emergencies are covered right away, but just the ER bill and consultation. After 3 months they'll pay for one nights hospital stay, after six months a little more.
Regrettably, I have experienced the DR healthcare system, before I had insurance, and was paying cash. The ER bill and consultation, the only things that would have been covered, were peanuts compared to the surgeons, surgery, and hospital stay bill. Even if I had insurance, I still would have been footing most of the bill.
To clarify, I asked, because "emergencies" are covered right away, what would be covered if I had a heart attack.
The ambulance bill, the emergency room bill, and the consultation with a cardiologist. Basically, the doctor who is going to say "yup, yer having a heart attack, yer gonna die"! What wouldn't be covered is the cath lab, surgery, hospital stay ect. because it is considered a catastrophic event. The same scenario if I had a broken leg. Only the ER visit and diagnosis from an orthopedic surgeon would be covered until you hit the 1 year mark of continuous coverage.
Office visits, cough and colds, check ups are all covered. But you cares, that stuff is dirt cheap anyways.
So, buyer be ware. I now have travel insurance. We're all covered, right now, for up to US$50,000 and it costs me $295 every three months. And that even includes evac back to the states. The agent also told me that the local hospitals love to see that insurance cause they know they can charge Gringo prices.