The Costa Rican health care system is rated very highly on an international level, and the country’s citizens enjoy the health and life expectancy equal to that of more developed nations. These accolades come courtesy of strong, universal health insurance and excellent public and private hospitals.
PUBLIC HEALTH CARE – CAJA COSTARRICENSE DE SEGURO SOCIAL (CCSS)
Costa Rica’s public health insurance system, commonly known as the Caja, is available country-wide to all citizens and legal residents. There are ten major public hospitals – four in San Jose, including the Children’s Hospital – affiliated with the Caja. For non-emergencies and everyday medical care, small clinics, known as EBAIS (pronounced ay-vy-ice), are located in almost every community.
The cost to affiliate with CCSS is approximately 10 to 11.5% of your income; alternatively, residents may become members via ARCR, which provides a streamlined and simple joining process. Please note that for those under age 55, Caja payments include a mandatory pension payment, which will be disbursed beginning at age 65. Keep in mind that the Caja’s low cost and high quality attract many to its hospitals and clinics, and wait times are long for anything from a routine checkup to an important surgical procedure.
Costa Rica’s private hospitals and clinics offer high-quality medical care at a tiny fraction of its U.S. equivalent cost. In fact, due to Costa Rica’s beautiful surroundings, medical reputation and very lost costs, the country is rapidly becoming a prime destination for medical tourism.
Private insurance plans available through INS, the government-owned insurance company, include dental work, optometry, well-visits and annual check-ups. Prescription drugs, certain medical exams, sick visits and hospitalization are covered at 80% cost, and surgeon and aesthetician costs are covered at full cost. Currently, private medical insurance costs about $60-$130/month per person, depending on age, gender and other factors.
In addition to INS insurance, expats may also purchase international health care insurance from abroad, which will cover most private hospital costs. Be aware that these plans often cost more than their INS equivalents.
One of the amazing things about Costa Rica is the quality of public medical facilities. For the most part, if something happens to you while you are visiting here, you usually will not need the help of a private facility, and many private clinics in Costa Rica require their specialists to work part-time offering their services in the public hospitals.
When a patient is contemplating coming from a different nation to explore the options of having surgery here, they are always encouraged to see that the wait times here are much shorter than what a resident would encounter in the public sector. It can be relatively easy for a foreigner to nail down a spot in a private clinic here, because many Costa Rican residents feel that they are too expensive, while they still hover at around 1/5 the cost of other nations.
As far as how patients will really feel any different than they would in the U.S., some of the hospitals are open air, and while you think this may be uncomfortable, only gets warm for a few hours in the afternoon. Much like the climate in Hawaii, the nights are cool and perfect, and this allows for a deeper rest for the patient.
Many of the hospitals in Costa Rica also have features such as butterfly gardens for the patient to enjoy during the day, where you can obtain an extra dose of mental health. When you first look at a public hospital in Costa Rica, it may seem as if it is in need of some basic updates and structural shine, but the quality of care rivals that in the States and Europe. The hospitals here may not have the entirely sterile feel as those In the States, but the integrity, technology, and quickness to respond to emergency are on par with the best in the world.
While there are numerous quality hospitals in Costa Rica, there are three that have JCI accreditation:
Hospital CIMA in Escazu, Costa Rica.
Hospital Clinica Biblica in San Jose and…
Hospital Clinica La Catolica in Guadalupe, San Jose