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.

Monday, September 17, 2012

Beer and Surfing in Costa Rica

Beer and Surfing in Costa Rica
Costa Rica is well known for its beautiful beaches, lush, wildlife-filled jungles, and ideal climate, not to mention low cost of living, bargain real estate, and low-cost medical care. “There was only one problem with Costa Rica,” says California native Joe Walsh. “No pale ale.”
So he solved the problem. Joe’s enterprise, the Volcano Brewing Company, not only produces delicious craft ales and beers, but it allows him to live the life he wants, with plenty of time for surfing and spending time with friends and family.
“I first came to Costa Rica in 2001. Right after college, some friends and I—and my Dad—drove down in an old school bus and opened a surf camp on the northern Pacific coast,” says Joe.
The camp has slowly grown into a pretty large operation, and that meant Joe was ready for a new challenge. The key to making it happen began when he struck up a friendship with fellow expat J.P. Cazedessus, who’s been in Costa Rica more than 20 years.
J.P. owned brewing equipment from a previous brewpub that had closed down in San José, Costa Rica’s capital. The pair started experimenting and after making some adjustments to a British recipe they came up with Witch’s Rock Pale Ale.
In November 2011 Joe and his team leased and refurbished J.P.’s hotel (modeled on an ancient Minoan palace, no less), a short drive from the Arenal volcano, and opened Volcano Brewing. It’s a bar, restaurant, and hotel.
Craft beer is made in small batches and is known for unique flavors and interesting takes on traditional styles, like pale ale, brown ale, stout, and more. “As well as our special in-house craft beers, we also have tasty gourmet fare on the menu,” says Joe.
“We’re committed to a ‘farm-to-table’ approach for the restaurant, just like the ‘brewery-to-mug’ model at the bar.” The restaurant gets much of its produce from organic gardens out back and makes cheese from the cows on the on-site dairy farm.
“We’re trying to get as much as we can from our gardens. The rest we try to know where it comes from and how people have raised their crops or livestock. It’s an easy way to reduce your footprint and keep the money in the local community.”
Today, there are 16 people working in the brewpub and hotel, as well as four brewers. Joe divides his time between the surf breaks of Tamarindo and the lake views of Arenal overseeing his two ventures.
The drive is only two hours but the climate and vibe are totally different…from bustling resort town on the beautiful Pacific to the tranquil shores of the lake and all the opportunities for wildlife-watching and hiking. Guests are also attracted by signs along the road around Lake Arenal. Many of the area’s growing community of expats are regulars. And plenty of thirsty tourists stop in as well.
Volcano Brewing is growing slowly. And Joe likes it that way. “I’d rather have a small company doing a lot of cool stuff than have a 100-room hotel you have to run like a small corporation.”
If you’re in Costa Rica, Arenal is worth a visit. And while you’re there, drop in and grab a beer. It might just be the only brewery in the world to have howler monkeys in the trees outside the front door.

 
 
aut viam inveniam aut faciam I will either find a way or make one.


Wednesday, September 5, 2012

They were running with a fast crowd, as Ed Fomby describes it.

"We’re not in horrible shape like some are these days, but we’re not wealthy — not like some of our friends in Texas. They can afford to do anything they want. Alaskan cruises, shopping sprees, fancy homes and cars…and we enjoyed doing some of those things, too.

"But we knew that once we retired, we wouldn’t be able to maintain that kind of lifestyle."

As Ed and his wife, Beaty, both age 67, tell it, they’d done well for themselves, he as a dentist and she as a physician’s assistant. But as they started planning for retirement, they wanted to ensure that they’d continue to do well.

Instead of tapping into their nest egg, they wanted it to continue to grow…they wanted to use it to fund some travel they were planning…and to have something left over to leave to their children and grandchildren.

Wouldn’t it be nice, they thought, if they could live in a place where they could maintain a comfortable standard of living but be able to pay their daily expenses with their Social Security income.

"Ed started talking about leaving the country," Beaty says, "and going somewhere where the cost of living was lower."

Her first thought, she says, was that "Dreams don’t ever come true. Because all my life I’ve wanted to live in another country and speak another language."

They decided to do some research and exploring, and before long, Beaty says, she was thinking, "This might happen."

On a trip through Costa Rica, they found themselves at the tiny Gingerbread Hotel on the shore of Lake Arenal.
 

"If you’ve ever been to the Gingerbread you know how magical it is," Beaty says. "The food is as good as you’ll get in a gourmet restaurant anywhere in the world. And the setting is something else…with that beautiful lake in front of you and that beautiful volcano off in the distance…"

"The climate is what got me," says Ed. "I like to go fishing, and although I do like it to be warm, I don’t like hot. Lake Arenal is just about perfect…not too hot and never too cold."

During a Saturday brunch at the Gingerbread, Ed and Beaty met some of the local expats.

"Wonderful people," Beaty say. "We hit it off right away."

They decided to look at property for sale. Near the town of Tilaran they found a house they loved, but it wasn’t for sale. But the hillside lot just above it was.
They stood on the lot and looked out at the green rolling hillsides all around them They gazed past the grazing horses to the silver lake below, the afternoon sun sparkling on the water, and Volcan Arenal looming majestically in the distance, its regal peak shrouded in misty clouds.
As Beaty tells it, "I said, let’s just write a check. We can’t live anywhere else."
Fast forward two years.
Today, Ed and Beaty are just finishing building their new home in Costa Rica overlooking Lake Arenal.
"We have about $320,000 into the house…lot, construction, furniture, appliances, and landscaping" says Ed. "And we haven’t skimped or economized a bit. We’ve chosen the best tile for the floors, granite countertops, top-of-the line bathroom and lighting fixtures, even massive custom-made doors…"
And, he adds, "We have a million-dollar view. On Lake Travis in Texas, this would easily be a $750,000 house. Best thing is, now that we have the house finished, our expenses are so low we can easily live here on our Social Security income."
"We don’t have a bit of regret," says Beaty. "Sure, we miss our friends back in Texas, but financially it would have been tough to keep up with that lifestyle. Here, our neighbors — both gringo and Tico — are so wonderful. And everything costs so little, we can afford to go everywhere and do just about anything we want. We definitely have a more active social life than ever before. And just a remarkably easy and wonderful lifestyle."
Ed and Beaty have a gardener who works for them one day a week ($4.50 an hour), a woman who cleans ($14 a day) and another woman who cooks three huge meals for them ("So big we divide them in two, so we actually get six meals.") for $50 a week, groceries included.
"If we want to go out, there are loads of great restaurants," says Ed. "We have the Gingerbread, of course, and just down the road from us is another gourmet restaurant where the two of us can have dinner, wine included, for about $30."
Just the other day, they say, they were sitting on their terrace and enjoying the view and talking about how fortunate and happy they are to have found this idyllic place.
"Where we live is just gorgeous," Beaty sighs. "We have a little creek…we even have a waterfall on our property. Sometimes we can’t believe we live like this. We’re very happy."
"Dreams Really Do Come True."
I’m Jackie Flynn, publisher of International Living. Ed and Beaty’s story isn’t unique. In fact, as Ed said, a lot of people are in far worse shape. More and more baby boomers aren’t sure how they’re going to afford to retire. And costs — of health care…taxes… food… transportation… entertainment… everything, it seems — are going up.
And no one wants to accept less out of life…to be forced to lower their quality of living once they retire.
That’s why I was happy to learn how Ed and Beaty have made their retirement dreams come true…they’re not sacrificing a thing…in Costa Rica.
"We fell in love with Lake Arenal and of course we found it through International Living," Ed says, adding that "we have the most incredible view of the lake and Arenal Volcano you can imagine."
The overall cost of living is so reasonable, he says, that "we feel confident we will not run out of money."
It’s not just the cost of living, of course, that makes Costa Rica so attractive to folks like Ed and Beaty. As they’ve discovered, Costa Rica ticks almost all the boxes on any retirement checklist:
  • Conveniently close to home — With many direct flights to two international airports (with a third soon to open), it’s conveniently close to the U.S. and Canada, (less than three hours from Miami).
  • Excellent weather — From the Central Valley and its cool, lush mountain forests to the beautiful unspoiled beaches of both Caribbean and Pacific Oceans, there’s a climate for everyone.
  • Top-quality healthcare — The World Health Organization praises Costa Rica for its exceptional government-run health care system, and has ranked it better than the U.S., despite that Costa Rica spends 87 percent less on health care per capita. (More about health care in Costa Rica in just a bit. Importantly, it gets these great health care marks despite providing free care to 86.8 percent of the population!)
  • The most stable democracy in Latin America — No other country in Latin America has the peaceful history and democratic stability as Costa Rica (and no army)!
  • All the comforts of home — The centrally located capital city of San Jose boasts modern shopping malls and world-class hospitals. And reliable high-speed Internet is available just about everywhere.
  • Low, low taxes — you’ll pay zero income taxes on your foreign-earned income…very good news. And if you buy a home in Costa Rica, your annual property taxes will be laughably low…no more than $100-$200 in most cases. And there’s no capital gains tax!
Sure, some of the things I’ve just mentioned are also true of many Latin American countries. All of them are more affordable than the U.S., and some are even closer geographically (but not by much). Many have democratically elected governments, although few with as longstanding history as Costa Rica. But did you know that Costa Rica has one of the lowest poverty indexes in the world? You’ll be hard pressed to find a higher standard of living than you’ll find in Costa Rica.

Friday, July 27, 2012

Medical Tourism in Costa Rica Is Flourishing





Medical tourism in Costa Rica is a popular choice for Americans looking for lower cost dental treatment and quality surgery abroad.

“The reason Americans prefer medical tourism in Costa Rica is simple”, stated Pam Brammann, President of IHT World.

“Costa Rica is only a short airline trip away, plus Costa Rica offers highly accredited hospitals with American quality treatment for around half the cost.”

Brammann also commented that another attraction is the fact that Mother Nature generously blessed Costa Rica with naturally beautiful landscape, tropical rain forests, and white sand beaches. "People get to enjoy a scenic, relaxing atmosphere while healing before returning home', says Brammann.

Americans also seem to prefer medical tourism in Costa Rica because the price of care is typically half the cost demanded in the United States. Even when you add in the cost of travel for two and medical tourism insurance that offers financial protection in the rare event of complication, Americans still typically save thousands of dollars.

Since medical tourism in Costa Rica has become popular, hotels have sprung up to meet the demand of convalescing patients that have been discharged from the hospital after surgery. Some of the hotels offer medical services such as nurses checking in on patients, and help may be available for patients receiving physical therapy before they return home.

Concerning patients that have no activity restrictions, Costa Rica also offers popular activities such as surfing, fishing, hiking, zip lining and more.




           The secret to staying young is to live honestly, eat slowly, and lie about your age.”
          - Lucille Ball



Tuesday, June 19, 2012

Costa Rica Once Again Ranked # 1 On Happy Planet Index


Over one hundred years ago on 3rd March 1909, the headlines for a newspaper article
written by Frederick Palmer and published in the New York Times was:
"Happy Little Costa Rica The One Real Republic in Central America Civilized, Prosperous,
Orderly and Most of Its People Whites."
Needless to say that kind of a shocking news headline would never be published today...
Over fifty years ago on the 1st January 1945 Time Magazine published an article entitled
Costa Rica: Happy Land.
Three years ago on the 4th July 2009 the New Economics Foundation, a British think
tank that promotes ecology and sustainable economics came out with the results of
their most recent survey of 143 nations:
The results announced were simple: "Costa Rica comes top of the Happy Planet Index"
"Costa Ricans report the highest life satisfaction in the world, have the second-highest
average life expectancy of the Americas (second only to Canada) and have an ecological
footprint that means that the country only narrowly fails to achieve the goal of 'one-
planet living': consuming its fair share of the Earth's natural resources."
On the 14th June 2012 once again Costa Rica was ranked at the top of the Happy
Planet Index.
Costa Rican girls rank culture, personality, good health and a liking for home life (in
that order) among the traits they want in their husbands. Faithfulness they rank,
fifth: good looks, 24th. Said one: "I don't think there is a faithful husband in Costa
Rica."
Although the U.S. is not the most popular nation in Costa Rica (ranking below Mexico,
Argentina, Spain, France, El Salvador), Costa Rican girls fancy Americans as
husbands: half of those questioned (56) would like to marry Americans. One reason:
"Americans are more considerate, faithful and helpful, and less jealous." Costa Rican
men never dry dishes."
Today in 2012 it would appear that the more things change, the more things stay
the same...
Costa Rica still has a very high standard of living, the ravishingly pretty Costa Rican
women - the Ticas - are still looking for men with "culture, personality, good health
and a liking for home life," and the Costa Rican men are still unfaithful and never
dry the dishes...
In the investment world, we are accustomed to seeing the disclaimer that says
"past performance is no guarantee of future results" but after seeing these headlines
about Costa Rica for over one hundred years, you can't help but think maybe - just
maybe - Costa Rica really is an extraordinarily happy place in which to live and retire.

Scott Oliver - We Love Costa Rica



Believe in your dreams and they may come true; believe in yourself and they will come true.

Thursday, June 7, 2012

Costa Rica - One of Worlds Best Real Estate Markets

Costa Rica Recognized as one of the World’s Best Real Estate Markets


Cross-border or international real estate investment is a new driving force in real estate markets globally. In North America there is a growing trend for affluent Baby Boomers to buy properties in Central America for vacation and retirement and this trend is expected to see steady growth over the coming decade.
Real estate professionals in Costa Rica (and globally) are seeking efficient marketing channels to reach buyers who are searching for cross border/international investment properties, second homes, and vacation properties. And North American buyers are looking to countries like Costa Rica for these opportunities because of proximity, value, and life style choice.
Other international buyers are zeroing in on Central America as well. Chinese buyers alone are predicted to purchase US$50 billion of overseas property in 2012, more than US$40b of that outside the United States, so attracting international buyers is important for real estate professionals all over the world and even more important for countries like Costa Rica to advance promotion and PR to the global market.
International Living recently listed Costa Rica in ‘The World’s Best Real Estate Markets in 2012’, stating “These are markets on the upswing. The mainstream hasn’t heard of them yet. And in them today you’ll get excellent bang for your buck as well as great profit potential.”
Whether you are interested in income, short-term gains, long-term investment, a second home to live, or for vacation and enjoyment while it increases in value, Costa Rica offers many opportunities.
Regulation and oversight in the Costa Rica real estate industry has improved tremendously over the past few years, but it is still very important that buyers do their due diligence on their realtor choice(s). They should be registered in the centralized national database of properties (Registro Nacional). Also select an agent that specializes in the type property or investment you are looking for.
There is a growing trend now for real estate agency companies to be more consultants in that they will also help you with other aspects of moving and living in a foreign country.
In you want any information and/or recommendations on real estate, agents, property investment, second home, or general info on moving and living in Costa Rica.


Victoria Deligit Praeparatio

Saturday, May 19, 2012

Wine Tasting with U.S. Ambassador Anne Slaughter Andrew


California Wine Tasting with U.S. Ambassador Anne Slaughter Andrew at The Springs Hotel

Terry Moran, U.S. Ambassador Anne Slaugter Andrew, Eyal Ben Menachem and Shiela Villacorta attend a California wine tasting at The Springs Hotel in Fortuna sponsored by Pampa Distributors


Moran Real Estate - 60 years of Tropical Real Estate Excellence