How to Choose Private Health Insurance as a Senior Expat in Costa Rica (With U.S. Coverage Options)
- Teresita Alfaro
- Jul 31
- 4 min read
KEY TAKE AWAYS |
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La Caja (Costa Rica’s public system) is mandatory but limited.
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Why Many Expats Don’t Rely on the Costa Rican Public System Alone
Costa Rica’s public healthcare system, La Caja (CCSS), is affordable and mandatory for all residents. However, many expats are surprised to find:
Long wait times for appointments and procedures
Spanish-only documentation and communication
Limited flexibility in choosing doctors or hospitals
This leads many to purchase private health insurance for faster service, English-speaking care, and broader access — particularly to well-known private hospitals like CIMA, Clínica Bíblica, and Hospital Metropolitano.
What Private Health Insurance Options Are Available in Costa Rica for Expats?
You’ll find two types of private insurance: local and international.
Local Costa Rican Insurance Providers:
These insurers usually cover care at private hospitals throughout the country. Plans vary by age, coverage limits, and whether you include vision, dental, or emergency transport.
International Providers:
These are designed for expats and include coverage in multiple countries, including the U.S. They are usually more expensive but offer seamless travel protection.
How to Keep U.S. Coverage While Living in Costa Rica
Many seniors ask:
“Can I still use my Medicare or U.S. insurance if I live in Costa Rica?”
Here’s the short answer:
Medicare does not work outside the U.S., except in very rare emergencies.
Some retiree health plans or Medigap options may offer partial international reimbursements.
To stay protected, many expats choose a global insurance plan that includes the U.S., or select a Costa Rican plan that offers international reimbursement features.
Pro tip: Always ask your broker if your plan includes cross-border coverage, English-language support, and access to U.S. hospitals.
Common Questions Senior Expats Ask
1. Will private insurance cover pre-existing conditions?
Some plans do, some don’t. You may face waiting periods or premium increases depending on your health status.
2. Can I receive treatment in the U.S. and get reimbursed?
Only if your policy includes U.S. coverage or an international rider. Local plans without that feature will not cover foreign care.
3. How much does private insurance cost for seniors in Costa Rica?
Expect to pay anywhere from $150 to $700/month, depending on your age, deductible, benefits, and insurer.
4. Are dental and vision care included?
Sometimes. Many policies offer them as add-ons or include limited coverage by default.
5. Do I still have to pay into La Caja?
Yes. All legal residents must contribute, but you are not required to use its services.
How to Choose the Right Plan for You
Ask yourself:
Do I plan to travel frequently between Costa Rica and the U.S.?
Do I prefer to speak with doctors in English?
Do I have a medical condition that requires regular treatment?
Would I rather pay a lower monthly premium with a higher deductible, or vice versa?
The more global your lifestyle and health needs are, the more likely you’ll benefit from an international plan. If you mainly stay in Costa Rica, a well-structured local policy may work — but choose wisely.
We recommend speaking to a licensed, bilingual broker who understands expat realities and can explain the policy terms clearly.
Final Tips Before Enrolling
Always ask for the full policy in English.
Check the hospital and clinic network – don’t assume all providers are included.
Confirm reimbursement processes – will you get refunded in dollars? How long does it take?
Review exclusions – look out for limitations on age, chronic illness, and travel.
Compare multiple quotes – the cheapest isn’t always the best.
Need Help Making the Right Choice?
At Expat Senior Life Management, we help seniors:
Compare private and international policies in plain English
Understand benefits, deductibles, and fine print
Build a complete care plan that works both in Costa Rica and the U.S.
Coordinate everything — from documentation to medical appointments
for a free 20-minute consultation and feel confident in your decision.
FAQ (Frequently Asked Questions)
Does Medicare cover healthcare in Costa Rica?
No. Medicare doesn’t cover care outside the U.S. except in limited emergencies. You’ll need a private or international policy.
What are the best insurance providers in Costa Rica for expats?
INS, Pan-American Life, Blue Cross Costa Rica, Cigna Global, IMG, and BMI are among the most trusted for senior expats.
Can I use my Costa Rican insurance for medical care in the U.S.?
Only if your plan includes international coverage or reimbursement for U.S. services. Local-only plans don’t apply.
Which private hospitals are typically included in coverage?
Most expat-friendly insurers cover Hospital CIMA, Clínica Bíblica, and Hospital Metropolitano.
Final Thoughts
Choosing the right private health insurance plan as a senior expat in Costa Rica can feel overwhelming — but you don’t have to figure it out alone. With the right guidance, you can feel protected, supported, and confident in your coverage, both here and in the U.S.
Ready to Take the Next Step?
At Expat Senior Life Management and Support, we help expats just like you:
Understand bilingual policy terms clearly
Find the perfect plan that works in Costa Rica and the U.S.
Coordinate care, renewals, and claims without the stress
Book a free 20-minute consultation today — no pressure, just clarity.
Free Download: Health Insurance Checklist for Expats
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