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“PLAN sixteen” isthe medical insurancepolicy INShas been sellingsince 1990, and alot of people in theforeign communityhave obtainedcoverage throughthe CanadianClub, The AmericanLegion, andthe ARCR.Late NovemberINS advisedthat, starting with the renewal on Jan. 1,2005, some new suggestions observe to this coverage.a few of them look good, some now not sogood – however, on steadiness, the changes ironout one of the “bugs.” on the same time,the premium costs, that are in colones,have expanded by about 20%, which isreasonable – it’s just a tad above whatinflation will doubtless rack up to in calendaryear 2004.Outlined under are the nuts and boltsof Plan 16. After every paragraph, are commentsregarding the changes.Who may also be insured? anybody up toage one hundred, even with prison status in CostaRica. candidates over 69 need to bear anexamination by means of an INS medical professional. It takes INSabout three weeks to analyze applications:you can also no longer pay unless your software isaccepted.The coverage goes with the calendar year:if a person applies and is permitted partway during the yr, the every year premiumis prorated. No changes.What does the policy cover ? It coversexpenses because of disorder, accident, orchildbirth. Outpatient services are paid forup to 10% of the insured volume, per 12 months.The relaxation of the policy, the other 90%, isfor hospitalization, surgery, pre- and postoperativecare, inner most room, food, supportsystems, intensive care, rehab., ambulances,home care, remedy, meds, and many others.In case of loss of life, 50% of the insuredamount is paid to a named beneficiary.Please word that there isn't any charge forcheckups or “preventive maintenance.” Nochanges.What does it exclude? Pre-existingconditions, non-prescribed expenses, AIDS,VD, scientific charges as a result of cataclysmicevents, injuries from fightingexcept in self defense, match sports,martial arts and different unhealthy activities.accidents when under the impact ofalcohol or drugs, intellectual or anxious problems.,checkups, allergy symptoms, stress, plasticsurgery. best accident-linked eyeglasses,dentists’ expenses or reconstructive surgery arepaid. Some illnesses (e.g. glaucoma,cataracts, ENT, girls’s reproductiveorgans, breasts, bronchial asthma, hernias, being pregnant,prostates, stones, osteoporosis) have a12-month moratorium, all the way through whichclaims don't seem to be allowed.here we see a transformation: glaucoma andcataracts have been now not up to now area to themoratorium.How an awful lot does it cost? You canchoose between three ranges of coverage.The insured amount refers back to the maximumamount INS will pay for your fitness in thecalendar year. Premiums rely upon thelevel of coverage, and on age and intercourse ofthe insured. Some samples of each year premiums:stages:¢4 million¢6 million¢eight millionMen Women30 – 34 19 – 2589,000 370,000106,000 434,000115,000 490,00045 – forty nine 55 – 59172,000 436,000208,000 488,000232,000 526,00060 – sixty four 70 – 75322,000 779,000402,000 896,000466,000 985,00070 – 75 Minors up to 18587,000 a hundred and fifteen,000758,000 137,000908,000 152,000These quotes replicate the 20% boost –besides the fact that children, it is not exactly 20%, as figureshave been rounded.community policies for companies costabout 12% less. Associations or clubs,(ARCR, American Legion, etc.) get about6% off. charge of renewal may increase ifthere is a high declare/top rate ratio.an extra trade right here: discounts for grouppolicies used to be better.How does the coverage work? In case ofambulatory care (when hospitalization isnot necessary), you ought to pay in your careand later publish an INS claim form signedby you and your main doctor, attachingoriginal receipts and corresponding prescriptionsfor drug treatments, remedies, andlab assessments. Your agent will push your claimthrough INS, which continually can pay afterthree-six weeks, based on standard and reasonablecharges. in case you require hospitalization,every week before you go into the health center,via your agent you should gain a“preauthorization” from INS, which willnegotiate expenditures with your care giver.When released from the health facility, youmust display your insurance card and payonly the deductible. in case you didn’t get the“preauthorization,” you pay the total billand make a declare as described above.important alterations here: a network ofproviders used to accept sufferers’ insurancecards and compile simplest the deductiblefrom them. And the network providerswere purported to abide by a cost listimposed with the aid of INS.Now, there aren't any community suppliers,there is not any professional rate record, fee ofclaims is according to “usual and customaryprices,” and insurance cards can simplest beused for illnesses requiring hospitalizationin cases the place prior approval (“preauthorization”)has been obtained from INS.Deductibles? The regularly occurring deductibleis 25%. In some circumstances, like claims fromabroad, or in case you purchase a patent medicinewhen there's attainable a universal equivalent,the deductible can be 30%.extra adjustments: frequent deductible usedto be 30%; there changed into no differencebetween patent and regularly occurring drug treatments; andthere was no deductible on surgeon’s costs.Contact David Garrett at 233 2455 firstname.lastname@example.org. The intention isto provide the reader a much better understandingof insurance in Costa Rica. The opinionsand viewpoints expressed are those of thewriter, and don't always symbolize theofficial position of the national InsuranceInstitute (INS). INS and Garrett & Asoc.will be closed Dec. 17 -Jan. 3, 2005.
speeding Lark (SAF) 15-2 (9-3) under no circumstances dangerous, seventh of 12, 9 3/4l at the back of Noah From Goa (8-9) at Turffontein 7f hcp gd in Oct.
Tom idiot (SAF) 35-1 (9-1) quickest final 400m, 4th of 14, three 1/2l behind wet Day Blues (9-5) at Vaal 1m 2f hcp gd in Oct.
Lundy's famous person (SAF) 20-1 (9-0) Led - saved on, won at Vaal 1m hcp gd in Sep beating Aza Arrow (eight-13) by way of 1/2l, 13 ran.
film Man (SAF) 14-1 (8-13) slow into stride, 12th of 14, 7 1/2l at the back of Caymen sunset (9-three) at Vaal 1m hcp gd in Oct.
Afterburner (SAF) 35-1 (8-13) Nothing left, closing of 14, 10 1/4l at the back of rainy Day Blues (9-5) at Vaal 1m 2f hcp gd in Oct.
Kununata (SAF) 10-1 (8-9) Stayed on, seventh of 11, 2 1/2l behind Var Bay (9-5) at Vaal 7f hcp gd in Sep.
Double Bind (SAF) 14-1 (9-5) faded, last of 12, 29 1/2l behind Pay As You Go (8-four) at Vaal 1m hcp pol in Oct.
Bee Keeper (SAF) 11-1 (eight-13) 7th of 11, 9 1/2l at the back of Arabian World (9-four) at Vaal 1m hcp pol in Sep.
Son Of Approval (SAF) 10-1 (9-12) in no way confirmed, seventh of 12, 13 1/2l in the back of Cumberland (9-6) at Vaal 7f hcp pol in Oct.
master Rivas (SAF) 50-1 (eight-9) No amazing kick, 11th of 13, 12 1/4l at the back of big name aspect (9-2) at Turffontein 1m 2f hcp gd in Apr.
Arkansas (SAF) eight-1 (eight-4) Flyjumped - misplaced 1l, won at Vaal 1m hcp gd in Sep beating Cashmere kid (9-2) by 1l, 14 ran.
Amber Sail (SAF) 14-1 (9-three) Respiratory noise, 7th of 10, 10 1/2l behind Barbel Run (eight-11) at Vaal 6f hcp pol in Oct.
Viking fortress (SAF) 9-2fav (eight-10) Stayed on, 2nd of 13, 3 three/4l behind De La Vere (9-6) at Vaal 7f hcp pol in Oct.
trust The Cat (SAF) eleven-5fav (9-6) Fought on gamely, gained at Turffontein 1m mdn gd in Jul beating Mr Balboa (9-6) via nk, 10 ran.
constrained version (SAF) 8-1 (eight-4) by no means went on, sixth of eight, four 1/2l in the back of desirable Shot (eight-6) at Turffontein 1m 2f hcp gd in Oct.
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post Grad (SAF) sixteen-1 (7-13) never confirmed, ninth of 12, 14 three/4l at the back of Cumberland (9-6) at Vaal 7f hcp pol in Oct.