Insurance Defined: In law and economics, insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the insurance; an insured, or policyholder, is the person or entity buying the insurance policy. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practise of appraising and controlling risk, has evolved as a discrete field of study and practice.

The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated.

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I am making arrangements to move to Pana or possibly San Pedro La Laguna in November and I take a battery of medications and even one is a narcotic for chronic lumbar back pain and want to get some Medical Insurance for the scrpits and also office visits to a primary care Physician.

The prices I see if I get the insurance here in the states first is sky high. Are there reputable insurance carriers who will write a policy for me that is as inexpensive as these other ex-pat sites say you can get it for? I have even read you can get most meds w/o a Drs prescription and that the pharmacists will write it? Is this true?

I will nose around, I have never known anybody in Pana or San Pedro to have Insurance. But a doctor visit cost maybe 8 U.S. and prescriptions normally cost less than than the amount of the co-pay.

Write in here a list of the medicines, and thmilligramsms, and I will go the Pharmacy and find out the price.

You do not neeprescriptionptio to buy here.

Note, in way, the best strategy is to retain your American Insurance, and pretend you live in the USA. 99 percent of your problems you can solve 50-100 times cheaper in Guatemala. Then, if you get Cancer, or need something truly horrible, you go back to the USA and pretend you never left.

But the bottom line, any country on the planet has a way to treat medical problems, there is almost always a solution for a rich American. And, any American here in Guatemala is rich, that is for sure.

Thanks Andy! Your awesome! Great video of the bubble blower and his madre... Nice touch. I would be happy to be there too... I am so sick of Americans and their freakin rat race. even if you win the rat race...your still a rat! -Lily Tomlin.


I only have VA medical care so I really dont have medical Insurance. And if you make 125 of the poverty level theres no pay or co-pay so this is all an added expense to my budget... Now about the not needing a prescription, does that include Narcotics?

1.) I take 30 mg of morphine sulfate SA tablets 4X a day. 120 tabs a month.

2.)propranololHCL 60mg SA capsules 1x a day. 30 caps per month

3.) Amiloride HCL 5MG tablets 2 tabs 1X a day. 60 tabs per month

4.) Furosemide 20 MG tablets 3 tablets 1X a day and 2 tabs 1X a day.
150 tablets a month

5.) Gabapentin 300 MG capsules. 2 capsules 4X a day. 240 capsules a month.

6.) Docusate NA 50MG/Sennosides 8.6MG tablets. 2 tablets 2X a day.
120 tablets a month

7.) Omeprazole 20MG EC Capsule. 2 Capsules 2X a day.
120 capsules a month.

Now that the whole world knows now that I am a member of the Big Pharma weight lifting team you can see that other then the Morphine (the VA only has two long term chronic pain meds they use. Morphine CR(Controlled Release) or Methadone which is actually a great pain reliever and used to ween people off of heroin but the nasty fact is...methadone is even harder to kick then heroin! Those chemist sure know how to hook not only your brain, body and soul but also you and your insurance companies pocket book. The rest of my meds are pretty tame and half of them are drugs combating the side effects of the other prescriptions! Like I said, they really know how to hook you 3 ways till Sunday...

So Andy I would truly appreciate it if you could get me some costs for these meds. Also if the pharmacist will fill the pain reliever script...

Thanks Gadget! GO GO Gadget arm! :)

The meds in Spanish, except for one.
http://es.wikipedia.org/wiki/Propranolol
http://es.wikipedia.org/wiki/Amilorida
http://es.wikipedia.org/wiki/Furosemida
http://es.wikipedia.org/wiki/Gabapentina
http://es.wikipedia.org/wiki/Omeprazol
http://es.wikipedia.org/wiki/Morphine

I printed them, I will try to collect the Generic and Brand name prices, then post here. To demonstrate the prices, and maybe you can estimate the prices in the USA.

Only one problem. The most important drogas that I need is some rock and roll band on Wikipedia! Look at the info you got back on morphine...

OK Andy... I found it on your Spanish Version of Wikipedia.

http://es.wikipedia.org/wiki/Morfina

Now you also must communicate to the Pharmacist that it is (SA). There are different types of morfina. The one I need is the SA which means (sustained action or slow acting. It used to be called (ER) which meant extended release.

Oops! Sorry Andy! I left an important one out!

8.) in Spanish- Trazodona HCL 50MG tablet
1 tablet 1x per day, 30 capsules a month.

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