No, we got our health insurance long before we got our residencia.To buy medical insurance here in the Dominican Republic do you need to have a cedula - be a resident? I searched and found alot of information about medical insurance but could not find the answer to this question.
Well, that's a great question. We've done an analysis of many companies. The problem is that one can buy affordable insurance that will cover you everywhere BUT in the US or one can buy ridiculously priced insurance that includes the rest of the world and the US (as we all know, the US prices for health care are the highest in the world--not necessarily the best; just the most expensive.) However, because Dh travels back and forth and we'll have a kid in college in the US (plus two here) we decided that we needed something that WOULD include US services.DrChrisHE - what insurance company are you thinking of switching to?
Exactly--you need to fully investigate what you expect to be covered and whom will accept it. The cash-only practice here is much more prevalent that most ex-pats are used to. One thing someone who HAS a specialist that they like and intend to continue using might do is ASK the specialist which plans they accept. If you can't find a plan that the docs/clinics you want mesh, then one approach is to find an indemnity plan. These are plans that will REIMBURSE YOU for the expenses as long as the provider is licensed or appropriately recognized by their professional body.It is very important to find out who accepts the plan in your area. For example, Bournigal Clinic in Puerto Plata accepts our plan to pay for the emergency room, hospital stays and most of the basic doctors accept it. BUT and this is a big BUT, there are specialist doctors that grace Bournigal with their presence that take NO insurance plans. I am talking about the brain surgeon, maxillofacial and plastic surgeons at Bournigal. They DO NOT accept any type of insurance for their fees. Cash only or you don't go home.
Also, the plan covered the operating room costs, but not the assistant to the doctor, go figure. Please be aware of these limitations on any plan purchased locally.