Thursday, April 11, 2013

Costa Rica's Great Very Inexpensive Medical Care



What are the medical options for retirees in Costa Rica?

medical procedure clinica biblica
In a previous article I talked about why retirees choose Costa Rica. One of the main reasons people relocate here is the country’s health care system. Many of the guests on my monthly relocation/retirement tours tell me they simply cannot afford health care premiums in the United States and are looking at Costa Rica as an alternative.  While others do not want to deal with Obamacare and contend it is too expensive and constitutes excessive government interference. Whatever your situation may be, Costa Rica offers good medical options at affordable prices.

Costa Rica is a healthy country and Costa Ricans are proud of their nation’s achievements in the field of health care. Their affordable, state-run “cradle to grave” health care system, Caja Costarricense de Seguro Social or Caja as it is more commonly referred toreaches all levels of society by offering the same medical treatment to the poor as to those with greater resources. More than 90 percent of the population is covered by the Social Security System. There is either a public clinic or hospital in almost every area of the country, making medical care accessible to everyone including foreigners. In fact, there are over 800 EBAIS clinics in Costa Rica. EBAIS is short for Equipos Básicos de Atención Integral en Salud. These clinics provide both primary and preventative health care to all of the individuals in a community.

Costa Ricans are a healthy people. The infant mortality rate of less than 11 in 100,000 live births is lower than that in the United States.  This figure is on par with any industrialized country in the world.  Life expectancy is 76.3 years for men and 79.8 years for women. Today, an 80-year-old man has a life expectancy of at least eight (actually, 8.4) years.  This puts Costa Rica in first place in the world for life expectancy from this age up.  Iceland and Japan follow with 7.7 years.  Costa Rican women at age 80 are expected to live longer than men of the same age, 9.5 years, slightly behind the women of Japan and France.

Many international medical authorities rate Costa Rica as having one of the best low-cost medical care systems in the world, when  preventive and curative medicines are considered. The United Nations consistently ranks Costa Rica’s public health system as one of the best in Latin America. The world Health Organization (WHO) ranks Costa Rica 36th out of 191 countries with respect to the quality of its health care systems. The United States for example ranks 37th.

The country’s private health clinics and hospitals have international fame and attract people from around the world for everything from dental care, joint replacement and ocular laser surgery to major cosmetic surgery and life extension treatments.

There are basically two health care options for retirees in Costa Rica.

(1) The Public System
Costa Rica’s public health care system is available to retirees  and other foreign residents. It is now required that legal residents join the Caja Costarricense de Seguro Social (Costa Rican Social Security System) to enjoy the same inexpensive medical coverage as most Costa Ricans do. Some foreigners do not to use this system because of the long waits for medical appointments, some medications and other delays. However, despite being overburdened, the emergency care provided is very good and many retirees are very happy with the quality of the care they receive. The caja has clinics all over the country. At a low monthly cost, the Caja is a good deal for foreigners. If you join the ARCR you get a special group price.

(2) The Private System
Those with policies like BUPA or INS Regional have access to private health care. Said policies usually have some type of a deductible. Basically, you pay for all medical care up front and are reimbursed afterwards. Of course for emergency treatment your are covered immediatley. These policies are more expensive than the public system but the advantage is that retirees can pick their own doctor or hospital and avoid long waits for medical care, certain operations and lab tests which often happens with the caja.

Wednesday, January 16, 2013

The Great Advantages to Living In Costa Rica



The number of foreign residents moving to Costa Rica increases exponentially, together with the rising number of tourists visiting the country. Costa Rica is indeed one of the world's most popular tourist destinations, due to its stunning scenic beauty, easy accessibility, and warm-hearted citizens. Sometimes, travelers turn into expats living, working or enjoying their retirement in Costa Rica. Those who longed for a veritable paradise on Earth, yes, you can find it here. But what do you know about Costa Rica?

In addition to the peaceful life and the friendly nature of the Costa Rican people, one of the main reasons for expats to relocate here is the cost of living. If you live in Costa Rica, it entails a fraction of the usual expenses in North America and Europe, with a quality of life that supersedes even the most exclusive communities in the United States. Here you can also enjoy a good healthcare system: Public social security is available to the general population, and there are also some great and affordable private clinics that many foreign residents choose to frequent.

The Costa Rican education system prioritizes the widespread use of English as a second language. Expats moving to Costa Rica should have no problem communicating in English. Nevertheless, you should be aware that the main language here is still Spanish. Therefore, taking some basic language classes before moving here or right after your arrival is strongly recommended. Not only will it simplify things considerably, but it will also be greatly welcomed by the local population. Once you are here, you'll find that all road signs, websites, local media, and many other things are only in Spanish.

Living in Costa Rica has nothing but financial advantages that facilitate the decision of thousands of Americans and Europeans to make this country their new home. There are no capital gains taxes and only some minimal property taxes. Moreover, foreign nationals looking to invest in the country or planning to spend their retirement years in Costa Rica can easily secure residency, among other logistic and practical draws. Also, if you are looking for an employee for a new business venture or household staff to assist you with your daily chores, you have inexpensive labor costs for both domestic and professional services. 


Thursday, November 29, 2012

Costa Rica - A Great Place to Be Born In 2013



The Economist: Costa Rica is a good place to be born in 2013

Posted: Tuesday, November 27, 2012 - By L. Arias
A study by the magazine places the country among the best on the continent.
Costa Rica is the second-best country in Latin America to be born in 2013, according to a study by the Intelligence Unit of The Economist.
The country ranked 30th worldwide with a score of 6.92, while Chile was first among Latin American nations in 23rd place.
The “Where to-be-born index, 2013” says the publication, “attempts to measure which country will provide the best opportunities for a healthy, safe and prosperous life in the years ahead.”
It takes 11 statistically significant factors into account. “They are a mixed bunch: some are fixed factors, such as geography; others change only very slowly over time (demography, many social and cultural characteristics); and some factors depend on policies and the state of the world economy,” the magazine said.
Costa Rican Communications Minister Francisco Chacón said the survey is the result of “many efforts of many people in many decades.”
El Salvador, in 62nd place, also made the 80 countries list, which ranks Switzerland, Australia, Norway, Sweden and Denmark at the top. Ukraine, Kenya and Nigeria ranked last.

Friday, November 16, 2012

Costa Rica - Election 2012 - Now Even More Reason to Move Here




  • There’s a built-in community of English-speaking locals and expats – While it’s always best to learn some Spanish, you’ll find locals who "speak your language" (in more ways than one) in even the tiniest town in Costa Rica.
  • It’s healthy...as one of the ‘greenest, cleanest’ countries in the world with little pollution and lots of clean water and fresh air. (The Nicoya Peninsula is one of the world’s "Blue Zones," where locals have the longest life expectancy of anyone in the world. One reason for this is the slower pace of living and the warm, welcoming climate in Costa Rica. And, of course, the fresh, healthy foods...without preservatives and chemicals.)
  • And if you need it, Costa Rica’s health care system is rated as even better than the U.S. by the World Health Organization!
  • A staggering 99% of the country’s energy comes from renewable sources. You can imagine what that means in terms of dollars...and sense!
  • Adult literacy is practically 100%. People are well-educated and well-informed. (Many international companies have established international offices, factories, and call centers here for this reason—contributing to a strong and stable economy.)
  • Costa Ricans are the happiest people on the planet. This is according to the scientists from the renowned Happy Planet Index. It’s fun to be here!
  • One more point about health care: residents of Costa Rica are required to participate in the world-class public health care system. And at an average cost of $50 per month per couple, all your health care needs....doctor’s visits, lab tests, hospitalization, medications...everything...is covered.
  • If that doesn’t have you thinking about packing up and starting a new life in Costa Rica, I don’t know what will. In fact, there’s so much that Costa Rica has to offer that it should certainly be at or near the top of your list

  •         Moran Real Estate - Over 50 Years of Tropical Real Estate Excellence

Wednesday, October 31, 2012

Blue Zone - Live a Long and Healthy Life In Costa Rica


Blue Zone: Living a Long and Healthy Life in Costa Rica.

Costa Rica Realtor in Atenas Dennis Easters
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Since the beginning of time man has been in search of the proverbial fountain of youth. For most, this "fountain" has been illusive but a select few have seemingly discovered it and are drinking from it daily.
In the modern world we are bombarded with negativity and bad news about issues ranging from the economy to our health. Our lives have become complicated, full of stress, unhealthy and riddled with disease. Heart disease, cancer and diabetes are plaguing our society at an alarming rate.
Am I alone in saying that this seems to be a major contradiction? Should we not be more happy and healthy, especially in the "developed" world with all our modern conveniences' and ground breaking advances in technology?
When I made the decision to move to Costa Rica, it was a personal choice of wanting to live a happy, healthy and more fulfilling life. Before moving to Atenas, I notice that when I would visit on my vacations, I just felt better, waking everyday with the sun and having a permanent smile affixed on my face.
But why? Was it the fresh, whole foods? The clean mineral filled water? The pure mountain air? The near perfect climate of the Central Valley? The scenery that provided a sense of peace and tranquility? The happy locals who always greeted me with a smile and "Hola"? Personally I think it was all of the above.
Jeanne Calment.
Jeanne Calment.
Since childhood I too have been in search of the fountain of youth and fascinated with the elderly, especially those who have excelled at the "art of living", not only surviving but thriving into their 80's, 90's,100 and beyond! The wisdom and life lessons that they offer are invaluable. If we would only take the time to listen to these seasoned veterans, our complicated, modern lives could be so much happier, healthier and less complicated.
However, what is of particular interest to me is HOW this select few have managed to thrive to such mature ages. What has allowed them to cheat death? Do they have secrets and habits that set them apart from the average Joe?
In my early teens I became fascinated with the story of Jeanne Calment from Arles, France, who to this day holds the world record as the longest living human (that can be proven through documentation) who died at 122 years, 164 days. But the real question is, how did Jeanne and thousands of others on our planet manage to arrive at such ripe, old ages?
What did they do differently that helped them to avoid diseases like cancer, coronary heart disease and diabetes that plague our modern society?
As for Jeanne she made an art out of living life. Jeanne had a great sense of humor. After being interviewed on her 117th birthday, the reporter took leave by saying "Until next year, perhaps,'' and Jeanne quickly responded: ''I don't see why not! You don't look so bad to me.''
She was both socially and physically active, and seemingly immune to stress. Her response to difficult situations was "If you can't do anything about it, don't worry about it.". She took up fencing at age 85, rode her bicycle until age 100 and lived alone until she was 110. She began smoking at age 21 and only decided to kick the habit at 117.
She ascribed her longevity and "youthful" appearance to olive oil which she "poured" on all her food and rubbed into her skin daily. Also as part of her diet she ate nearly a kilo (2.2 pounds) of chocolate every week and drank port wine on a daily basis.
Another story that hits a little closer to home and gives me hope that I too may live to see 100, is that of my great-great-great-great grandfather, Henry Blackman, who lived to age 98. Apparently he was a very colorful character who was honest, hardworking, creative and resourceful. I am fortunate to have a clipping of his obituary that was published by the Charleston Dispatch in1886, giving us a glimpse into the life of someone nearly a century old. It reads as follows:
Guanacasteco working the fields.
Guanacasteco working the fields.
"The oldest resident in Darlington County and probably the oldest inhabitant of upper South Carolina, died at his home near Swift Creek, a few days ago. Mr. Henry Blackman, the subject of this notice, was in his ninety-eighth year. Until a few years ago he walked seven miles every sales-day from his house to Darlington and the same distance back. He had an aversion to riding in a buggy or carriage, and of all vehicles, he preferred a cart. He made enough provisions to supply all his needs if crops were short.
He was a man who lived entirely within himself and never wore store clothes, but carded, spun and wove his own cotton and wool into clothes. He drew his pension regularly as a survivor of the War of 1812, having served on the coast defenses about Charleston. When about 90 years of age, while hoeing corn in his field, he was bitten on the leg by a rattlesnake and his robust constitution enabled him to survive it, to become the victim of a severe attack of pneumonia.
Mr. Blackman raised nineteen children, one hundred and five grand children and one hundred and eleven great-grand children. Another of Mr. Blackman's notable traits was his strict honesty in all his dealings. The interior of his house was a curiosity to the youth of the 19th century. There were looms, old spinning wheels, one of which he told your reporter, he made about 78 years ago.
All his household furniture and utensils were made by himself, and though very antique in appearance, were well made and are in a good state of preservation. He settled in this country before the Indians were removed, and told some very interesting reminiscences of his night vigils to avoid surprises from predatory bands of Cherokee Indians."
More recently an article caught my eye that was written about a book called The Blue Zones by Dan Buettner. Buettner uses the terms "blue zone" and "hot spots" to identify areas of the world where people live measurably longer lives. Now that the writer had my attention, where were these "hot spots" located and what were these populations doing to live so long? On Buettner list of hot spots were Okinawa, Japan; Sardinia, Italy; Ikaria, Greece; the Seventh Day Adventists colony in Loma Linda, California and Nicoya, Costa Rica.
For me it was no surprise that Costa Rica made Buettner's list of Blue Zones. You just feel healthier here. There's a natural rhythm to life that you are hard pressed to find elsewhere. I rise with the sun and I usually go to bed before 9 p.m. The bounty of the harvest is respected and used to nourish your body. In Costa Rica, life feels wholesome and stress free. So according to Buettner, what's the secret? Buettner's team of researchers and specialists found interesting similarities among the Nicoyan centenarians that are common characteristics in all of the other Blue Zones:

Have a "plan de vida," or reason to live.

It also can be called "why I get up in the morning". Centenarians say they feel needed, with a sense of purpose that often centers on their family.
Focus on your family and friends. Having a good relationship with their family and maintaining a strong social network contributes greatly to centenarians' sense of purpose and well- being. Gathering daily to laugh with friends and/or family is crucial to shedding daily stresses.

Have Faith.

The Nicoyans' strong belief in God and their "faith routines" help relieve stress and anxiety. Almost all of the centenarians interviewed around the world for Buettner's book belonged to a faith-based community of some form.
Panchita.
Panchita.

Work hard.

Nicoyan centenarians maintain a strong work ethic, which keeps them active and healthy while contributing to their sense of purpose. Moderate physical activity is a normal part of daily life -- walking, bicycling, gardening, cooking, keeping up the house, taking care of animals, etc. See videos from Dan Buettner's trip to Nicoya, including interviews the 101-year oldPanchita who still splits logs with an axe and cuts her own grass with a machete!

Healthy diet.

Most of the various Blue Zone residents in the world eat a primarily plant-based diet, especially legumes (all kinds of beans, peas and lentils). They also eat rich, colorful fruits -- in Nicoya, they eat marañon, the red-orange cashew tree fruit that has more vitamin C than oranges, and noni, a pear-like fruit rich in antioxidants. Nicoyans eat their biggest meal during the day and their smallest meal at night. Japanese centenarians have a rule to eat only until their stomachs are 80% full to avoid being "overstuffed." "Wine at 5:00" -- in most of the Blue Zone communities, centenarians drink a small amount of alcohol on a near daily basis. For instance in Sardinia, they drink a particular dark red wine called "Cannanau," made on the island, which is rich in anti-oxidants. In Japan, it is saké. In Costa Rica, sugarcane rum called guaro!

Get some sun!

Nicoyans enjoy healthy doses of daily sun, enriching their bodies with Vitamin D. Getting at least 15 minutes every day can decrease the risk for osteoporosis and heart disease, experts say.

Get Sleep.

Nicoyans sleep an average of 8 hours per day. They more or less go to sleep soon after nightfall and wake with the sun.

No smoking!

Smoking is not common in Blue Zone communities.
When I look back on the "mature" people that I have admired in my life and had the good fortune to actually know and interact with, they have shared most of the traits of those who are from Blue Zones; They were hard workers, had faith, got sun and sleep, had good social networks and ate a relatively healthy diet.
In reading the obituary of my grandfather Henry Blackman, it appears that he too shared many of the traits known to residents of the Blue Zones. Now having found my bliss in Costa Rica, living a "pura vida" or pure life in combination with good genes and adopting many of the Blue Zones traits, I too hope to see 100 or beyond!
If at the age of 101 I can still wield an ax and machete like Panchita, decide to kick one of my bad habits when I turn 117 as did Jeanne Calment or when in my 90's walk 14 miles to and from town like my grandfather Henry Blackman, then I will know that I did something right.
So, in honor of Panchita, Jeanne Calment and Henry Blackman, let's all raise a glass in toast for health, happiness and longevity.


Tuesday, October 23, 2012

The Joys Of Retiring In Costa Rica


The Joys of Retiring in Costa Rica

retiring in costa rica
When you retire in Costa Rica you will enjoy a high standard of living
If you’re ready for la pura vida, “the pure life,” you might want to consider retiring in Costa Rica. This country of just over 4 million is tucked between Nicaragua to the north, Panama to the south, the Pacific Ocean to the west, and the Caribbean Sea to the east.
Costa Rica may truly have it all: a year-round tropical climate, modern cities, Caribbean beaches, Pacific coastline, rain forests, lush valleys, and mountains.
According to the U.S. Department of State, more than 20,000 U.S. expatriates live in Costa Rica, many of them as retirees. That’s because Costa Rica has one of the highest standards of living in Central America. With an economy catering to tourists, you’ll have no trouble finding theaters, galleries, fine dining in virtually any cuisine, excellent health care, and modern telecommunications. In addition to its natural beauty, culture, and convenience, Costa Rica attracts many expats with its lower cost of living and slower pace of life. This jewel of Central America has the added advantage of still being relatively “undiscovered” by mass tourism.
Many retirees choose to live in the Central Valley of Costa Rica, within a few hours of the capital city of San Jose and its international airport, shopping, and medical facilities. The weather is also an important factor–this area enjoys year-round spring-like temperatures averaging 72ºF. Others choose to live near the beaches…the Guanacaste province and the Pacific coast from Jaco to Quepos are the most popular.
If you plan an extended stay, consider applying for either rentista or pensioner residency status.
Rentisa visa holders have to show income of $2,500 per month for at least five years, guaranteed by a banking institution or make a deposit of $150,000 in an approved Costa Rican bank. You must change at least $2,500 a month into colones (Costa Rican currency) and live in Costa Rica at least four months of the year.
Those seeking a pensionado visa needs to prove a minimum income of $1,000 per month from a qualified pension or retirement account or from Social Security. You must also change at least $1,000 a month from dollars into colones and you must live in Costa Rica at least four months of the year.
A recent increase in the number of foreigners choosing Costa Rica as a retirement destination has taken the country’s immigration staff by surprise. The result is that residency laws in Costa Rica can change, and people applying for rentista or pensioner status can sometimes experience delays. Getting the help of an in-country attorney will help things go smoothly.

What Does It Cost to Retire in Costa Rica?

Costa Rica is not the place for bargain-basement living. It is the most expensive country in Central America; but in Costa Rica, you will find a high standard of living that is still far below the cost of living in the U.S., Canada, or Europe. How much it will cost you, of course, depends on your lifestyle.
You won’t need to give up anything if youretire to Costa Rica…except cold winters. Need modern appliances? A high-speed Internet connection? Cellular phone service? Costa Rica has all the infrastructure in place to meet all your needs. And because the cost of labor is low, you may be able to employ household help that will enable you to vastly improve your quality of life.
Again, depending on your lifestyle, you can get easily get by in Costa Rica on $1,000 to $2,000 per month. Spend more, and you will have a lifestyle that would never be possible back in the United States. Rents range from $500 to $3,000 per month for a large house with a large yard, depending on location. Rural areas are cheaper, and ocean and urban properties are more.


You will not do incredible things without an incredible dream.

Tuesday, October 16, 2012

Great Quality Inexpensive Health Care In Costa Rica




By almost any standard, Costa Ricahas some of the best health care in Latin America. Not only that, but the country’s public and private health systems are constantly being upgraded—new hospitals, new equipment, and improvements in staff training.
Despite the advancements, costs are low in comparison to those in the U.S. and even some European countries. Health care costs are about a third to a fifth of what you’d pay in the U.S., depending on the treatment  Doctors, for instance, rarely charge more than $60 a visit, even for house calls. Many doctors, especially in private practice, speak English and have received training in Europe, Canada, or the U.S. Drugs are also much less expensive.
Private health care is also available, which is affordable and high quality. There are three large, private hospitals that most expatriates use: CIMA hospital in Escazú, Clinica Biblica in San José, and Hospital La Católica in San José-Guadalupe.
A new full-service hospital from CIMA is due to open shortly in Liberia, capital of the Guanacaste province. It’s just an hour or so away from northern Pacific Coast beaches like Tamarindo and Playas del Coco, home to many expats. It joins a Clinica Biblica medical center already in town.
Statistics from the World Health Organization frequently place Costa Rica in the top country rankings in the world for long life expectancy. Arguably, one reason for this is the slower pace of living in Costa Rica. And, of course, the healthy, fresh, non-preservative-laden foods found there, and the welcoming tropical climate. Costa Rica just seems to be a healthy place to live.

Costa Rica’s Government-Run Health Care System

With a government-sponsored network of more than 30 hospitals and more than 250 clinics throughout the country, the Caja Costarricense de Seguro Social (CCSS) has primary responsibility for providing low-cost health care services to the Costa Rican populace. Although sometimes overburdened, this system has worked well for Costa Ricans for the past 60 or so years. Foreigners living in Costa Rica – legal residents only – can join the CCSS and get free treatment (everything from check ups to prescription drugs to major surgeries) by paying a small monthly fee–based on income. Tourists and visitors can use Caja facilities only in emergencies.
Health insurance from the state monopoly Instituto de Seguro Nacional (INS) is also available to legal residents, valid with over 200 affiliated doctors, hospitals, labs, and pharmacies in the private sector. In 2010, the government made it mandatory for residency applicants to become members of La Caja. The average price is generally less than $50 a month.

Costa Rica’s Private Health Care System

Many of the country’s highly trained physicians and some dentists work in the mornings for the CCSS and operate their own offices and clinics in the afternoons and evenings. While private health care in Costa Rica is more expensive than that offered by the same doctors and surgeons through the CCSS, the price is still far below that of the average office visit in the U.S. For example, a private office visit to almost any medical specialist costs around $$80 – $100. Continued treatments for diagnosed problems will vary, but will almost always be considerably less than comparable treatment in the United States. Dental work, too, is provided at a much lower cost than in the U.S.– prompting a phenomenon known as “medical tourism.”
Three well-known private hospitals, Clinica Biblica, Hospital CIMA, and Hospital La Catolica, where many CCSS doctors practice in the afternoons and evenings, offer first-class, ultra-modern services. Affiliated with U.S. hospitals, these three private providers have costs somewhat higher than the public providers but still considerably below anything found in the U.S.
Many expats elect to use a mix of public and private care due to the wait times for certain procedures and treatments in the public system.

Cosmetic Surgery in Costa Rica

A full range of cosmetic and reconstructive procedures are available in several modern clinics. With the addition of contemporary laser technology, the ability of Costa Rica’s plastic and cosmetic surgeons to provide world-class services has been enhanced. Prices are sometimes 50% lower than in the United States, but it is important to note that each case is different, and prices are quoted on an individual basis after a consultation.

Dental Procedures in Costa Rica

From simple fillings to complicated multiple implants and periodontal work, Costa Rican dentists are as qualified and skilled as dentists anywhere–and prices are far less than most anywhere else. This is another growing area of health tourism–foreign patients seeking dental work arrive in Costa Rica in greater numbers every year. Laboratory work, too, is much cheaper in Costa Rica, and materials used are all FDA-approved and imported from the U.S.