I use ARS Univesal "Optimo".
I pay 500 pesos a month ("bucal" included), yes, that's USD15.oo a month. It's a group insurance thru the Club de Residentes Internacionales of Sosua.
I don't expect much from it, except to be admitted and to be dealt with like a local.
Yesterday I used it for the first time. I have a very bad cough and some fever and felt pressure on my lungs.
So, I went to Centro Medico Burnigal. At information they sent me to two Doctors who where not present, so, I proceeded to find me one myself, going door to door. I was first seen by an "eye" doctor in a military uniform who also seems to doubles as throat doc. He prescribed a chest X-ray... copay: DOP 200.oo
I went to the office to arrange for the X-ray, copay: DOP 99.oo
Smiled into the camera and went on to chase down a specialist for my lungs and found one who just came in. He checked me out for 30 minutes... prescribed antibiotics and some other stuff that has me real drowsy right now. Copay: DOP 200.oo
Medicines: DOP 475.oo
And I am starting to feel much better all that for about 975 pesos.
I am quite satisfied so far.
... J-D.