Thanks Harleysrock.....we will be located in the Punta Cana area. Who is your insurance with? Did you get it directly from the carrier or did you use an agent? That is really reasonable...cheap actually if you compare it to what I pay here! OMG!
I have "Universal" for my wife and I, plus 4 children.
Costs about $1,600 US dollars per year.
It's nothing like USA medical insurance, but it gives you some piece of mind!
Each company is different, and offers different levels of coverage, from "Basic", to "Platino"!
It has saved me well over a million pesos in 15 years.
For piece of mind in this country this should be your first priority. It's a real bargain. I am with ARS Humano and have plan Max for 3 adults and 2 children for $1900. My policy is loaded by may age 66 and the fact that I had heart surgery.
Humano. (809)- 476-3535. 1 (809)- 200-4903. ARS Humano
I use "plan royal" it cost me the astronomical amount of more or less 1500peso month. They can make a auto-pay from your visa/creditcard to avoid the trip to POP every month. (Or the closest office)
Sometimes this work, but most likely you have come to their office once a month since something is wrong with the autopay..
Yes the Seguro Medico works when you need to use it- No you dont get punished when using it.
Universal or Constitucion. I do not recommend Hmano or Palic - they require preauthorization even if you want to pee. By preauthorization I do not mean like calling to a call centre to get approval code as all insurance companies do, but rather having to go to an office to get preapproval and a printout that you take with you to the doctor. Universal and Constitucion are more flexible in that matter.
We are with Universal through a group plan and pay about $60US a month for the two of us. Yes there is a clause on pre existing conditions and I believe it was either 6 months or a year on non payment for pre existing.
my advice, like above, is to go with humano or universal. check the plans and pick up the best for you. you can include maternity, dental, medicine and a variety of other extras.
this will be your life saver. get the insurance as soon as you arrive. some people take DR really bad with stomach bugs, infections and so on. it takes time to acclimatize. each time you are sick you pay, pay and pay. insurance will give you some security and peace of mind.