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No British Health Scheme for You!
| No British Health Scheme for You! There have been two questions I needed answered before I took the next step to visit Uruguay and decide to retire there. One was knowing the ocean temperature for swimming and the other to know that any medical issues would be financially taken care of. Now one can pay for minor medical needs, but it is the "What If..." expensive health issue that needs to be financially met. I was attracted to the British Health Scheme as a reasonable possibility. I kept reading of U$S50 or 60 a month for coverage. I decided to Email the hospital to get the answer to this question and they responded to what it would cost if a 65 year old man in excellent health would pay. They said, "Our coverage is until 60 years old, but from 60 to 65 years old you can pay a prima that is in dollars, for example for 65 years old you have to pay U$S7300 and you have to bring a letter with your personal health."I was disappointed, yet it is what it is. So I will not need to have my question answered about the ocean temperature in Uruguay, for I won't be swimming there. |
| Is that U$S 7300.00 a yearly figure or is it a one time fee. What is the link to the hospital to get info? I can never get the home site to load on my computer. Terry |
| I don't think I never said US$60/mo in my posts. If you are reading stuff from a certain place that very aggressively emails about how cheap everywhere is... I'd delete those unread if you actually plan on going somewhere further than your armchair! My British Hopsital started out at about 1800 pesos a month (sept 2006 or so) and is now 2600 pesos a month. I don't know about age requirements, etc. Medica Uruguaya costs about 1000 pesos a month. I'm seriously considering changing as in the 2-1/2 years of paying the British Hospital I've had 2 eye appointments and just want something in case of an emergency. |
| Terry: That is a one time fee. To get to the English language site, go to the Spanish language site and then click on the English button. Lee, I have seen the U$S50/60/month on many posts and maybe not particularly yours. The problem with obtaining health coverage in many countries or with private insurance is you have to apply before your 60th or 65th birthday. My research also found Panama has the same restrictions with private health insurance. The only county I have so far found where a 65 year old can obtain affordable coverage is with the Mexico social health system which is about $220/year, but you don't have full coverage until the 3rd year of joining. They don't have any age restrictions. I would re-consider Uruguay since it was my 1st choice, but in reality I can't retire until I have full US Social Security at age 66. I'm 59 now. Maybe something will change by then. If you or anyone knows anything different about affordable health coverage in Uruguay, please let me know. |
| Fvans, I've read elsewhere that if you're self-employed in Uruguay you must pay into the national "social security" type of program. This allows your contribution to be directed towards health insurance coverage. I think the minimum contribution was 1100 pesos a month for agriculture and 2200 for other types of employment. I'm obviously ignorant of most of the details but it is worth looking into. Sociedad Southdon has a lot of info on UY health coverage for expats. Where are you from in PA? I'm in the NE near Binghamton. |
| If anyone has the link to the hospital, could you please post it. It has been a few months since I last tried to access it and I have since lost it and cannot find it in the blog anymore. I know Lee has posted it before and I think that's where I got it the first time. Thanks Tery |
| Terry, here is the link. Click the English language button at the top right corner. Eric, The goal of retirement is no longer being employed and if I were, the wages in Uruguay are too low for the effort. Under the pension visa, one is not supposed to be employed at all. I currently live outside of Reading (a real dump) but I'm from Syracuse. (which has real dump potential.) |
| fvans The link did not come through. I have never been able to pass on a link through this website either. If it's not too much trouble, just write it in as text instread of in the web link. Thanks Terry |
| Are you including the http:// in the web link box? Let me try it.. You CANNOT put links in messages as they keeps out the bulk spammers. Well... if you are 59 get down here and get signed up while you can! They don't kick you out at 60 do they? As far as I know they don't care if you are a resident, or even in the country most of the time. You can also arrange to have them card a credit card every month. |
| Fvans, I don't know if you really have to work. The post I read indicated that the gentleman claimed to be a farmer and paid his minimum tax. Paying the tax allowed him to obtain health insurance and he was able to direct the tax payment to the mutualista, so the tax paid was actually a substitute for paying the insurance premiums. Maybe I'm missing some important point though. Maybe Patrick can clarify? |
| I don't think workers have their membership at the British Hospital paid for by the govt. I think it is a hair over 1000 pesos (50 or 60 bucks) at Medica Uruguaya... so why not just paid them and avoid the hassles of being employed to get the health insurance, unless there is another reason to be employed? Anyone know about max age issues at Medica Uruguaya or Hospital Espanola or the others? |
| Terry, I forgot to add the web link. I'll do it again. I really can't retire now since I am unable to financially do so without full Social Security benefits and the pension visa demands proof of the pension. I still say, the fine print on this particular visa prevents the visitor from being employed. One pays no tax on world wide income, but does so on Uruguay income. |
| I wasn't suggesting you retire or move to Uruguay before your ready... only that you might sign up for health care here (and start paying) if that needs to be done before your 60... and the cost of paying it until you are ready to move here isn't excessive. |
| Thanks to both of you (Lee and Fvans) for the website and the link. I got in this time. I must have missed something in the flow here so let me get this straight. If you sign up before you are 60 and start paying the monthly fee, you then do not have to pay the $7300.00 fee when you turn 60. This one time fee ONLY applies if one registers for health insurance AFTER you turn 60. Is this correct or am I still missing something? We are coming in November and I turn 60 in December so if I need to make a decission, I'd like to have as much of the proper info as I can. Terry |
| Best to email the hospital directly. Also once your here you might check out the other hospitals too. |
Comment #1504/21/09 20:35Rural east Colonia departmento | Being an Irishman I'm naturally wary of trusting my health to the British :-) I live 120kms from MVD so I subscribed to my local health mutualista (CAMEC) which cost me 1133 pesos/month (just under 50 U$S.) They will consider new members who are 60+ but require you to undergo a medical before quoting you a monthly fee and/or imposing restrictions on your cover. I own more than 5 hectarias of farm land so I have to pay BPS contributions. When I got my cedula I had the option of becoming a unipersonal farmer and paying a slightly higher monthly BPS contribution (about 45 U$S) which includes health cover with CAMEC... a happy event which saved me 50 U$S/month. Small farmers like me get a special half price BPS rate but anyone can be turned into a unipersonal business entity (even if they don't do business.) By paying itro 90 U$S/month to the BPS and holding a cedula, you will be entitled to free membership of a health mutualista. I understand that the Britanico does not qualify for the BPS scheme. [deletes snide remark :-)] As for sea temperatures... I go swimming in the river here in east Colonia and although it can get a bit muddy at times, it seems much warmer than the sea at P de E. Patrick. |
| Greetings, all. My first post here in a forum I consider topmost in importance and relevance. Thanks and kudos to those responsible for it. Others might laugh at sea temperatures as a priority, but I'm glad to see it discussed because my ideal form of fitness would be freely swimming in an ocean or river in the warm season(s) -- an all-around outdoor workout that makes you feel like a million bucks. Summers on the York River in Virginia are what got me hooked -- am wondering if any of the water surrounding Uruguay would be an equivalent. How's the water temp off Montevideo? I don't insist on thermal-spring conditions, but don't want to freeze either. |
| "Uruguay healthcare for disabled immigrants"
As far as Hospital Britanica. I initially googled healthcare in Uruguay. Then Hospital Britanico.. After looking at their sight I finally saw the link for it in English. I calked the phone number, the young lady spoke perfect English. She promptly said my hubby can not be covered because he has Multiple Scletosis. Not a waiting oeriod, not extra money. They will of course see you at any hospital or clinic with cash. The local UY consulate here in the USA told us that we can not take advantage of the Uruguay health system as it is for eorkers who have paid in for 20 or 30 years.Funny they have no problem with us coming to UY with $30, 000 + in social security yearly and depositing over $150, 000 into a local bank, but can not be assured of any health coverage unless we pay for it. All we wanted was descent health care and enough money left to hire caregivers full time. Although we have not totally given up on UY as we both feel it would be ideal for us in all other aspects. We are now reluctantly looking at Ecuador. They have much wider open arms. |
| "Other options"
First, just because the receptionist speaks perfect English don't assume all the rest of the staff and Dr's do.Second, there are other options, like Medica Uruguaya and Espanola. Also, I believe if you start paying BPS you'll have your choice of several of those and be covered without having been there in the past. One, COSEM, I believe it was, wanted to set me up before I was a resident. Many have expressed displeasure with information received from the consulates... I think it is best to NOT try and get information like this via 3rd parties, via the phone and especially not via the internet. It is best to go in person (and with a Spanish speaking friend if necessary) and if they say they will accept you, sign up on the spot. Don't return later to get someone else with a different story. Expert Page: Quick Tips for Getting Settled in Uruguay |
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