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no health coverage available in uruguay 4 people with illness are disabilitiesThis forum post has messages dated from 06/29/11 through 01/02/12, please be sure to read all the messages. If you feel it is old or outdated, please follow up with a question or comment and someone may be able to update it, or reply with newer information if you have it.
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Comment #106/29/11 17:09Rural east Colonia departmento |  "The Uru consul says..."
During my immigration period, I received 14 separate bits of information and advice from the Uru consulate in London.All 14 turned out to be wrong... though 4 of their utterances used to be right long ago but were several years out of date. If you want accurate info re the free mutualista membership available for self-employed people who are paying BPS contributions on account of their self-employed status within the ROU then I'd advise that you hire an interpreter to approach the BPS directly. Any BPS you might pay on behalf of others will not affect the issue either way. |
| "National Health Care vs Mutualistas"
"National Health Care" is something that doesn't really compute in Uruguay.There is public hospitals and Mutualistas. You can pay a monthly membership fee to join Mutualista and receive care from them, or if you work then BPS pays the fee for you (and your choice of Mutualistas is more limited). I pay BPS about 1500 pesos a month for my maid and they pay her monthly Mutualista membership from that (and some other stuff). If she wasn't working she could chose to pay the membership herself... it would be between 1, 000 and 3, 000+ depending on which Mutualista and other factors. You can also sign up with BPS as an individual and pay about $2300 pesos a month and get all the same benefits an employee would receive. Lots of people have commented that the British Hospital is very difficult with respect to pre existing conditions and age. They are also the most expensive. Others with serious pre existing conditions (and old age) have comment that others have accepted them with few questions. Go to Uruguay, have an adventure and explore and see if the place (and medical services) are right for you. Expert Page: Quick Tips for Getting Settled in Uruguay |
Comment #306/30/11 10:01Rural east Colonia departmento | "BPS contributions"
"You can also sign up with BPS as an individual and pay about $2300 pesos a month and get all the same benefits an employee would receive."OTOH if you are a unipersonalised (self-employed) small farmer or other sort self-employed rural lifeform, the BPS contributions are set at a lower level (about 1, 350 pesos a month.) You have to pay BPS contributions for various things which will not provide you with personal benefits. If you employ people you must pay on their behalf, if you simply own agricultural land you must pay and if you undertake construction work you must also pay but none of these payments entitle you to a free mutualista membership. Only contributions paid in respect to your own employment or self-employment will earn you a free mutualista membership. |
| "British Hospital"
I actually found the British Hospital to be the least expensive of the four private insurance plans commonly used by expats (Medicina Personalizada, Blue Cross, SUMMUN, Hospital Británico). (That was in 2009, and rates will differ depending on your age and the level of coverage you elect.) |
| "People with illness or disabilities..."
that are not acepted at a Mutualista or Private Institution, after some paper work are acept by the government hospital. Even if you are not enroll at British Hospital (or similar) you can go there and pay for the specific studies you may need.Expert Page: Expat UY; Relocation and Expat Assitance |
| "Re:"no health coverage available in uruguay 4 people with illness are disabiliti"
I think this is not only true in Uruguay but also in other countries, no hope for people to have medical insurance when one is already disabled and apply for an insurance. |
| "Go check in person!"
Go to Espanola, go to Media Uruguaya. Apply in person see what happens!Of course if there is a large influx of unhealthy people then it will not be possible for those mutualistas to continue as they have been. But, I have spoken with people that have serious conditions, MRSA, Cancer, and are "old", ie: 70+ who have been accepted without any issues. Others, such a the British Hospital seem more interested on those who are not "too old" or unhealthy, ie: don't have any conditions and are not overweight. Expert Page: Quick Tips for Getting Settled in Uruguay |
Comment #912/22/11 08:36Rural east Colonia departmento | "Local"
It may seem to be rather obvious but there isn't much point in subscribing to a mutualista if you live a long way away from the services it provides. Glen's point about finding yourself a LOCAL provider is important in my view. |
| "My real point...."
My real point is don't try to get information by phone or email. Simply go to the office and ask about their options and what you need to do to apply to be a member.Be prepared to apply then and there on the spot. Within a week of moving to Montevideo someone came to my apartment and wanted me to sign up for their program. COSEM, I believe it was. Expert Page: Quick Tips for Getting Settled in Uruguay |
Comment #1112/22/11 12:28Rural east Colonia departmento | "Selling mutualistas"
CAMEC (my local mutualista) advertises itself on Radio Oueste every hour of the day urging potential new members both private and BPS funded to apply. |
| "health insurance"
Nothing is free anywhere. If you have a disability or are prone to get sick because of age or pre-existing conditions, it's not going to be easy to get good health insurance in Uruguay or elsewhere. I'm no saying it's impossible, but it certainly won't be easy. I was 49 when I applied to both the British Hospital and Medicina Personalizada, and I was rejected by both because I did not meet their admission standards, even though I did not have any serious pre-existing condition. It was a learning experience. And, by the way, it did not deter me from moving to Uruguay permanently when I finally retire. |
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| "Paraguay"
Avotts:You might look into Paraguay, instead. I think it will fit your 6 "searching for" points - except #1. |
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| "Paraguay"
Calm down, that was not a joke. I enjoyed living in Paraguay (great food, friendly people, safe, good medical care) and, since there are lots of vegetable farmers there, I know farming there is quite possible, especially in the south. Yes, it gets hot. The government seems stable. Infrastructure seems pretty good and getting better, you can drink the water (though it is heavily chlorinated so doesn't taste that good).Visit this website for another take: movingoverseasbookdotcom and go to the "Why I live in Paraguay instead of Uruguay" section. There's a link on the right hand side of the page. Other useful links, too. You never mentioned in your earlier posts about the wheelchair and wheelchair van. You will have the same problems getting around with a wheelchair in both countries, although in Asuncion they are putting in wheelchair cutouts on street corners now. I rarely see them in Montevideo. Are you planning on shipping the van here? Have you considered how you will get maintenance and parts? Who made the van? Ford, Chevy, Toyota, for example, are big here, but not Chrysler. I have another thought: Uruguay requires a health check before you can get permanent residence. I have no idea what that covers (I'm on a tourist visa), maybe someone else on this forum can help with this. Be aware that your husband may not pass the check. (Same is true for Paraguay and maybe everywhere else, I don't know.) And what are "ideations"? |
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| "Responses"
I saw Patrick';s responses above, I didn't see any from Lee. It is hard to follow a conversation when some responses are showing and some are not. Please take that into account.I didn't know about the non-importation of used vehicles. Just never came up in any of my conversations. And, yes, Chrysler and Mercedes were one company, but are no longer together. So my point stands. Since you can't import your van, my point is also irrelevant.:) I know the health screen covers communicable diseases, that's why they include blood tests. They also check for cancer. My concern is that your husband won't pass for other reasons, namely his pre-existing conditions. Maybe someone here knows a doctor who does the screening and can tell. I can believe, though, it is hard to find out for sure. |
Comment #2312/31/11 10:47Rural east Colonia departmento | "Carnet de salud"
Everybody who works or is in education here is expected to do the carnet de salud regularly. The same procedure is done on all prospective new residents. Its a general health inspection and I've yet to hear about anybody "failing" it... its an inspection rather than an exam which can be passed or failed.Back in 2005 I did the carnet de salud on a Monday as part of my application to join CAMEC (my local mutualista) and did an identical inspection on the following day for immigration. Both reckoned that I was an overweight heavy smoker with signs of osteoporosis but neither CAMEC or the funcionarios at immigration seemed to mind :-) |
| "Carnet de salud"
The "Carnet de salud" is a health id card. There are at least two types, one for working, one for immigration. Probably some others as well. The one for working is good for 2 years and you need to show it to get (keep?) a job.That seems to be more a way to ensure everyone gets a regularly (bi-annual) check up. For residency you get an ID card as well. I don't remember the expiration date or much details of the actual id. However, you give it to immigration and they keep it. Immigration is not informed of any of the details of your health exam. So as far as immigration is concerned, you have the card or not. Not whether it is possible to go through the medical exam and NOT receive a card is an open question. If you don't have a tetanus vaccination you won't get a card (or you will get the ID and be told here to get the shot as it was in my case). Expert Page: Quick Tips for Getting Settled in Uruguay |
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