I am Barry, norteamericano and new to this forum and site.
I have been semi-retired for the past 15 years, working with a medical staffing agency that has allowed me to travel 2 to 3 months every year. I have used those travels to to scout retirement locations.
In November 2019 I spent a month in Asturias and said, “This is it.” I gave notice to my agency and booked a flight for April 2020.
And then the Plague hit. Cancelled that flight four days before I was supposed to leave. Waited through the first wave of the virus, got vaccinated and made plans to Fly out again in April of this year.
Only to have Delta emerge. Cancelled that flight a week before take off.
Good thing I don't believe in omens.
I am now vaxe'd and booster'd. Current phantasy is to fly out the first week in March 2022, spend 3 months living the Spanish reality to be sure this is what I want to do.
However, all of this has got me thinking about the reality of health care for expats in Spain.
Everything I have researched says that Spain has a first rate national health care service. I also understand that since I will have a non-lucrative visa I will not be eligible for that and will have to have a private insurance policy through a Spanish insurance agency.
First question: Is that information reasonably correct?
Second question: I would like to hear form other expats in a similar situation about their subjective/qualitative experiences using private health insurance to access health care in Spain.
Third question: My current health insurance consists of (USA) Medicar and a ”Platinum” supplemental plan that covers things like co-pay, out of pocket expenses and prescriptions. The premiums for these plans is paid for by my pension. I will lose these plans if I relocate to Spain.
So my third question is a ‘two-fer': Are there Spanish health insurance plans that are this comprehensive?
And what can I expect to pay? The Spanish health insurance plans I have contacted have given me monthly rates ranging from USD $ 100 to 600. With no indication as to what they do and don't cover.
Fourth question: Any personal experiences with outrageously good Spanish health insurance companies?
Thanks in advance for your help. I suspect there is probably a health care forum somewhere in this blog. I will try to locate it.