Yesterday, I decided to cancel my MAPFRE heath insurance. When I checked my VISA bill I noticed it has jumped another $90/month over last years costs. $930/month is just more than I am willing to pay.
I have researched other health plans over the last year and really haven’t liked any that I have looked at.
However, not wanting to be entirely without any coverage, I decided to check out Hospital Cooperativo’s plan that I had seen being promoted by ACC in Boquete. From looking at the presentation I was sent, one would have thought that ACC developed this plan.
Today, Lilliam and I went by Hospital Coorpativo to find out more. Now I have used Hospital Coorperativo on occasion since 2005 when Lilliam introduced it to me. She has used it over 20 years.
I had never heard of this hospital having a participation plan before, but learned today that the plan is about 1 1/2 years old.
I have met Dr. Wong, the director of the hospital, many times when he was on duty in the emergency area. Lilliam has great confidence in him and used him caring for her three daughters.
The plan is very cheap, $10/month. With that you have a benefit of a substantial discount off normal rates in the hospital. Of course the rates for the hospital is much less than the larger private hospitals in David. For example, bed care would run about $60/day before the discount, which is substantially less than the larger private hospitals.
To be covered under the plan beginning in February, one would have to sign up in January. Of course, you should not think that it can provide all the same services as is provided in Mae Lewis or Hospital Chiriqui. You would not be able to get kidney dialysis or chemo therapy there. However, if you broke an arm or needed to have a gallbladder removed, it could be done.
You are not going to get heart stints or other complicated surgeries, but you might not want to have the other surgeries done in David anyway.
If you come down with Zika or Dengue you can be tested and treated,
For $10/month the plan makes more sense for my needs than the more expensive plans at Hospital Chiriqui or Mae Lewis or other insurance companies.
This is a Spanish speaking hospital. That is fine with me. Doctors may speak a modicum of English, some better than others. Nurses will most likely only speak Spanish.
Like I said, if you begin the plan, it commences the following month. The plan cancels automatically, if you go two months without paying. A simple plan, paid on a monthly basis.
Following is a current list of specialists serving the hospital and their fees.
If you decide to check out Hospital Coorpativo, tell them you heard about their plan from Chiriquí Chatter.