Welcome to Kevin Bradley - Insurance in Panama
Monday, June 26 2017 @ 01:23 PM EDT

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Myths and Misconceptions about Healthcare and Health Insurance

Health InsuranceInteresting article by Michael Lamb for international travelers and Expats:

http://www.escapeartist.com/efam/97/health_insurance.html
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Panama and Medicare!

Health InsuranceMy friend and client Coley Hudgins has written a great article about the trend towards medical treatment outside the USA:

http://www.panama-guide.com/article.php/20070118190607334
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Begin 2007 with this site!

Health InsuranceA site that could help with a new you for 2007
by Ian Hughes

2 January 2007 - So the fog of New Yearís Eve is probably lifting a little easier today and all those good intentions and bold words are coming back to haunt.

If youíve said youíre going to take better care of yourself in 2007 this is a good place to start.

A collection of informative articles aimed at improving general health and wellbeing, prepared by medical professionals. You may think that itís going to be a thinly-veiled attempt by Bupa to recruit new members, but the fitness programmes, and in particular the running section, are well put-together and easy to follow without being at all condescending.

This could be the first click on the way to a fitter, healthier 2007.

www.bupa.co.uk/health_information


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Coming to Panama? Stay Healthy!

Health InsuranceTraveling Abroad? Plan Ahead to Stay Healthy

SUNDAY, Oct. 29 (HealthDay News) -- Whether you're jetting to New Delhi on business, setting sail on the Mediterranean, or roughing it as a volunteer in Guatemala, you've got to be prepared for your medical needs.
Even a weekend in Paris requires some advance planning, travel health experts advise.

"I think maybe a lot of people don't do much of the thinking, they just do the packing," said Dr. Mark Wise, a family physician in North York, Ontario, Canada, and author of The Travel Doctor: Your Guide to Staying Healthy While You Travel.

The amount of preparation required for a trip abroad, of course, depends on many variables. You'll need to consider your destination, the length of your trip, the time of year you're traveling, and your current health condition, among other factors. Failing to do your homework, experts warn, could spoil the whole excursion.

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Panama Social Security?

Health InsuranceAs a Panamanian citizen, I am entitled to Panama Social Security and have paid into this program for many years. I was always under the impression that this coverage was not available to pensionados and members of the Expat community. Although he has moved back to Costa Rica, my friend Allen McDonald and his family were able obtain this inexpensive and valuable protection.

Here are his suggestions...

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Why buy Health Insurance in Panama?

Health InsuranceThe simple answer is that physicians, surgeons and private hospitals in Panama expect to be paid. If you cannot confirm health insurance coverage, show a bag full of $$$ or credit cards with a sufficient limit to cover the bill........you may be denied treatment. Foreigners in Panama have died waiting for surgery, because they could not show an ability to pay. At the very least, you should have some type of "air evac" coverage that might return you to your country of origin.

You may not wish to use the Panama Government facilities or may be delayed in receiving treatment behind Panamanians needing medical services.

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Medicare in Panama?

Health InsuranceNO!

The Social Security Medicare Program does NOT cover hospital or medical services outside the United States.

The Department of Veterans Affairs will only pay for hospital and medical service outside the United States under very limited circumstances.

When considering medical insurance, first find out how citizens of the country where you will reside pay their medical bills and if the same coverage is available to resident foreigners.

http://travel.state.gov/travel/tips/brochures/brochures_1215.html

The U.S. government does not pay for hospital or medical services for Americans overseas and will not pay to evacuate you for treatment in the United States.
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Have Medicare? Only need coverage outside the USA?

Health InsuranceIf you are a world traveler covered by Medicare or by a domestic U.S. plan offered by your employer - or if you have no immediate plans to return to the U.S., Global Citizen EXP is tailored to your needs. By trimming away coverage for health services in the U.S. and keeping the comprehensive Global Citizen benefits outside the U.S., the EXP plan delivers outstanding value and service

Global Citizen EXP functions as a primary health insurance plan outside the U.S., filling the gaps left by Medicare and domestic U.S. plans or delivering precisely the coverage an expatriate needs

http://www.hthtravelinsurance.com/prdCobrand/glCitizens_exp_plans.cfm?CFID=1392643&CFTOKEN=83767609
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HTH Worldwide!

Health InsuranceDuring your international experience, you may need to see a doctor, have a prescription filled, receive care at a hospital, or deal with an unexpected medical emergency. In addition, you may wish to return to the U.S. for either routine care or the treatment of an unexpected illness.

The Medical Benefits provided under the Global Citizen health plan can help protect you against these unforeseeable circumstances regardless of where you are.

http://www.hthtravelinsurance.com/prdCobrand/gl_citizen/whybuy.cfm

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Peexisting Conditions?

Health InsuranceThe primary purpose of insurance is to cover the cost of the unexpected and the unforeseen. Health insurance companies may apply a special condition to a policy when it is clear from the information provided that the insured is either receiving ongoing treatment or has a foreseeable need to receive treatment for a specific medical condition, as this condition constitutes a known risk. Treatment for the ongoing condition may be in the form of consultations with a medical practitioner, tests, investigations or medication to control the condition and/or its symptoms.

When a special condition is applied to an insurance policy, the company may not assist towards any costs incurred for that specific condition, nor for conditions which arise directly from that excluded condition. A hypothetical example would be when an exclusion had been applied for High Cholesterol and the patient later developed heart attack as a direct result of the High Cholesterol. Benefit would not be available for any treatment of the High Cholesterol, nor for treatment of the heart attack.

More to come...