Costa Rica Healthcare

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Overview

Your Costa Rica healthcare options are as follows:

• Pay out of pocket to one of the many excellent private health care facilities
• Obtain a private insurance policy that covers you just in Costa Rica or optionally, anywhere in the world.
• If you are over 65 and a US citizen, go back to the United States, use Medicare and then return to Costa Rica.
• If you have received temporary or permanent residency, then you have the option to use the Costa Rica national health care program called CAJA.  However, paying into the system is mandatory, even if you do not use it.

CAJA

All Costa Rica citizens, temporary and permanent residents. must participate in CAJA, the national Costa Rica healthcare program, no exceptions.   Those here visiting on a tourist visa are not eligible to use CAJA and must pay out of pocket or obtain insurance using private clinics and hospitals.

For some Costa Rica citizens, CAJA is free.  For others that have exceeded the maximum income level for free benefits, and for all temporary and permanent foreign residents, there is a mandatory monthly fee based on net income, after expenses.

Private Care

For those that prefer to use a private Costa Rica healthcare provider, there are numerous excellent hospitals, clinics and pharmacies that that provide services at reasonable, and often inexpensive, fees.

Private Costa Rica healthcare insurance policies do not accept pre-existing conditions.  If you have any conditions, insurance providers will either deny you coverage outright or issue you a policy that contains specific exclusions.  For example, a person with high cholesterol may be accepted for insurance but excluded for any cardiovascular related incident such as a heart attack and stroke.

If a private Costa Rica healthcare policy is issued with exclusions, sometimes you can pay an extra premium to have that the exclusive removed.

There is also a great private care discount program called Medismart.  This gives you between a 20% and 80% discount off private Costa Rica healthcare, dental services and medications through a network of Medismart approved providers.  The cost is approximately $20 USD per month for two people.

Wait times to obtain an appointment or procedure from private medical facilites are amazingly fast.  For the appointments that my wife and I have made, we either got an appointment the same day or within a few days.

Dental

One of the first things that stand out when you come to Costa Rica, is people who were born and live here have some of the most beautiful teeth in the world.

Costa Rica is world famous for its affordable and quality dental care system.  Many people travel here from other countries just to have major dental work done such as implants.

Immediately you will notice a few things when you move here and go to your first appointment:

• Standard appointments for cleanings, fillings and tooth issues are easy to get and you will not have to wait weeks or months.  Usually it is just a day or two.
• Unlike the United States, dentists in Costa Rica will not perform an X-ray unless absolutely needed due to a problem.  After all these years, it finally hit me that US dentists are making big dollars doing yearly x-rays where the patient pays a relatively small amount but the insurance companies get the big bill.  This doesn't happen in Costa Rica and this is the perfect example of how Costa Rica keeps costs down.
• Not all Costa Rican dentists will have x-ray machines, and if they don't, they will send you to a company that specializes in it.
• An office visit is about $25 USD.  A full panoramic x-ray is $34 USD.  A 3D x-ray is about $30 USD.  Cleaning is $60 and a crown $400 ( cost includes office visit, x-rays, etc).

Costs

Please see our Healthcare section on our Cost of Living page.

Access

The greatest concentration of the best hospitals are located in San Jose and the surrounding suburbs.

For people living in the popular Pacific Northwest towns of Playa Flamingo, Tamarindo and Coco, the nearest major hospital is located in Liberia and ranges from 30 to 60 minutes away.  While there are some small hospitals, clinics and emergency services in these areas, not all are open 24/7.

While the quality of Costa Rica healthcare is excellent, getting there could be a problem if you live far away.

In Costa Rica, while you can dial 911, don't expect to have emergency services there within a few minutes such as in the United States or Canada...not going to happen.  One night, We were right behind a bad accident and the ambulance didn't arrive for 45 minutes.

If you have a major medical condition, and are looking to relocate to Costa Rica,  you are going to want to live very close to a major hospital, in the suburbs of San Jose.

Quality of Care

In discussing with locals and others who have been here for awhile, CAJA is great for prescriptions and minor ailments, but for anything major, the wait time could be long and the quality of care not as good as the private healthcare system in Costa Rica.

We have used the private Costa Rica healthcare systems a few times and have been very impressed by the results.

• Appointments can be scheduled almost immediately or certainly within a few days.
• You meet with the doctor, not a physicians assistant, and will most likely spend an hour or more discussing your issue.
• X-rays and bone scan tests were completed and formal reports provided and discussed with the doctor during the original appointment.
• Lab work results were emailed within a few hours and followed up with the Doctor via a phone call.
• Most doctors that work in a private car medical facility speak English.  Actual results may vary, but in all cases we were able to communicate in English with few issues.

Prescriptions

Most medicines cost more in Costa Rica than in the United States.  However, in many cases, due to the more relaxed lifestyle, healthier food and increased exercise, you may find that you don't need that blood pressure or cholesterol medicine.  Once you are able to join CAJA, all medicines are free.

Existing prescriptions from other countries can be refilled by taking the empty container to the pharmacy.

Summary of Costa Rica Healthcare

If you have major health issues, Costa Rica may not be for you unless you are willing to pay for private insurance and live close to one of the major private hospitals, mostly around San Jose and the adjacent suburbs.  Live out in the country, and experience a major event, most likely you won't get help in time.

For those paying out of pocket, medicine is expensive but services are not anywhere close to the amount they charge in the United States.

Once you become an official resident, medicine and care are available through CAJA, for a nominal monthly fee, but wait times will most likely be longer than private hospitals.

You cannot qualify for CAJA until you become a temporary resident. Temporary residency takes 18-24 months after you apply, and will be approved only if you meet all of the strict requirements.  See our residency page for details.