Panama Health Options


This week, our friend Jackie Lange explains about health options in Panama as the country nears reopening its borders.

If we were not already aware of high health care costs in the US, the Pandemic has certainly brought them to our attention.  Some of these costs seem really outlandish.

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From Time Magazine

A Time magazine article “Total Cost of Her COVID-19 Treatment: $34,927.43” (1) tells of a patient who had COVId-19 and used an emergency room twice.

The article says: When Danni Askini started feeling chest pain, shortness of breath and a migraine all at once on a Saturday in late February, she called the oncologist who had been treating her lymphoma. Her doctor thought she might be reacting poorly to a new medication, so she sent Askini to a Boston-area emergency room. There, doctors told her it was likely pneumonia and sent her home.

Over the next several days, Askini saw her temperature spike and drop dangerously, and she developed a cough that gurgled because of all the liquid in her lungs. After two more trips to the ER that week, Askini was given a final test on the seventh day of her illness, and once doctors helped manage her flu and pneumonia symptoms, they again sent her home to recover.

She waited another three days for a lab to process her test, and at last she had a diagnosis: COVID-19.

A few days later, Askini got the bills for her testing and treatment: $34,927.43. “I was pretty sticker-shocked,” she says. “I personally don’t know anybody who has that kind of money.”

A Wall Street Journal article, “Furniture Maker’s Five-Month Struggle With Covid. ‘You Can’t Really Have a Plan.’” tells how how COVID-19 treatment of just one employee put the entire health care plan for the 850 workers of a 73-year-old Century Furniture company at risk.

When the factory reopened after a COVID-19 shut down the virus struck one of the company’s machinists.  He quarantined at home. His fever spiked. He had chills and trouble keeping food down. He lost his sense of smell.  Then he was hospitalized.

The article explains how this one infection risked the company’s entire health plan (underline is mine):

The article says: Although the Century health insurance covered medical bills of more than $200,000, the company feared an increase in premiums if there were more hospitalizations. Already, the hospital bill for the intubated machinist was approaching $1 million. Worse, it might not be able to find insurance against big losses when the policy ran out.

$34,000+ without a hospital stay.  A million in (I presume) serious case.  While such prices might be the exception… (the press tends to single out the worst case scenarios) it’s little surprise that many Americans are moving abroad for better health care.

Jackie Lange tells us more about the health care benefits in Panama here:

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Health Insurance Options in Panama

Health care and health insurance costs continue to go up in the United States. For retirees living on a fixed income, it has become harder to afford health care and health insurance. Many factors contribute to the price of health insurance premiums, such as state and federal laws regulating costs, where you live, whether you get insurance through your employer, and which type of plan you choose. According to Investopedia, in 2019, annual premiums for health coverage for a family of four cost $20,576, but employers picked up 71% of that cost. The rise in health costs may be one reason wages haven’t risen much over the past two decades. The highest benchmark plan premium for a 27-year-old in 2020 is Wyoming’s, at $723; the lowest is New Mexico’s, at $282.4. Deductibles can vary according the size of the firm you work for or by the type of plan you buy on the exchanges.

If you’re over 65, you probably have Medicare. But Medicare does not cover 100% of the costs of your health care and out of pocket expenses keep going up and up.

SO, WHAT’S THE SOLUTION?

Many Americans are choosing to move to Panama to significantly reduce their costs of living including lower health care and health insurance costs.

In Panama, healthcare expenses are based on the local cost of living which is much less than the United States or Canada. In addition, frivolous lawsuits are non-existence in Panama so malpractice insurance is very low for doctors. For these reasons, Panama healthcare and health insurance cost a small fraction of what they would cost in the North America. Despite the lower costs, the quality of care is high. A routine doctor visit at their private office is only $12, with no appointment necessary. Or you can go to the public hospital where it is only $2 to see a doctor.

Panama has a two-tier health care system. There are public hospitals and there are private (for profit) hospitals.

See Panama’s health options here.

The current Panama Relocation tours have been cancelled and this complicates the problem that the Panama Relocation tours have already sold out for the rest of 202o.

Panama Relocation Tours has added an ONLINE solution for those who want to relocate to Panama but can’t join them on a tour.

The Panama Relocation Guide is thorough and comprehensive.

For example you’ll learn…

* Why Panama is the ideal place to relocate to, especially for retirees
* The Two Best Residency Visa Options
* Exclusive immigration attorney contacts with special pricing
* The best places to live in Panama – based on your lifestyle preference
* Get our trusted property manager and real estate agent contacts throughout Panama
* How to Get Your Pets to Panama – the most affordable way with the least stress
* How to save 40-50% on health insurance in Panama
* Tips for finding a rental property in Panama & what to watch out for
* Buying real estate in Panama and how to get financing
* How to buy a car in Panama & how to use public transportation
* How to get mail in Panama including Amazon orders
* International mover contacts for household goods and cars
* The best cell phone company to use in Panama and essential apps for expats
* Bi-lingual and international schools available throughout Panama

Plus much more…

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Read about the entire Panama Relocation Guide here.

Gary

Why You Can Learn Spanish in Three Days

You can learn Spanish in a day, or a week, month or any time frame that works for you.

I’m Gary Scott.  Over fifty years ago I started a business that has helped hundreds of thousands of subscribers learn about investing in Hong Kong (1960s and 1970s), Switzerland, London, Isle of Man (1970s and 1980s) and across Europe. My wife Merri and I took thousands on investing tours to these countries.

In the 1990s we began taking investors to Panama, Mexico, the Dominican Republic and Ecuador.  That’s when we realized an incredible need for an easy, super fast way to learn Spanish.  Our delegates were business people with hard schedules and tight deadlines.  They did not have months, or even weeks to learn a second language.

Plus, even though these delegates were successful international business people, most did not have degrees in grammar.  When it came to sentence structure, punctuation rules, parts of speech, morphology and especially derivation of verbs, they were at a loss. They wanted good basic ways to communicate in Spanish that worked and sounded eloquent, right now, without having to become educated in grammar.

Fortunately there is a scientific method of learning (called Super Learning) that was created and refined by a Soviet educational master, Georgi Lozanov.   Lozanov transformed the entire Soviet Union’s educational system to such a degree that this third world nation beat the USA into space.

My wife Merri was lucky to be one of a handful of students outside the Soviet Union who were taught this system by Lozanov himself in the early 1970s.  She practiced this unique and remarkable form of education for decades so we used it to create a Super Spanish course that has helped thousands of subscribers learn Spanish in three days and less.

This course is now available online.

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Merri teaching a Super Spanish course in Florida.

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the old, traditional way, but the scientific Super Learning method of learning… proven and described in numerous best selling books creates educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

How The Course Works

The first tactic is to use Baroque music to create Relaxed Concentration in the learning process.  At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000” have revealed insights about how to learn and think more powerfully based on systems drawn from the Soviet educational master, Dr. Georgi Lozanov.

You gain six valuable ONLINE Baroque Relaxed Concentration Sessions in the online course that is delivered via the internet.

The second tactic uses 17 unique lessons to provide Spanish fluency in a short time.   Let me prove to you how this tactic works by teaching you hundreds of Spanish words in less than 30 seconds.

Here is the proof.

“Most words in English that end in ION are almost identical, just pronounced differently. 

For example action is accion.

Education-educacion.

Manipulation- manipulacion, etc.”

There you have it.  How long did it take you to read these four sentences? 

Ask yourself.  “How many words do you know that end in ION”.

You now know all these Spanish words that you will never forget.

How long would it have taken you to memorize all those words?  How soon would you have forgotten them?

The next lesson teaches how to pronounce each of the nouns.

The third lesson teaches almost as many verbs, almost as quickly.

The fourth lesson shows how to avoid conjugating verbs by sticking with the infinitive (far easier than it sounds).  This simple lesson leaves a person sounding like a Spanish professor without ever conjugating a verb.

Lesson five shows how to sound infinitely polite and yet get almost anything desired in Spanish.

Lesson six gives valuable connectors and the seventh lesson triples the Spanish capacity with three words for “yesterday,” “now” and “tomorrow”.

In an incredibly short time you feel comfortable speaking Spanish.

Plus the system is Impro-Dynamic.  This means your Spanish keeps getting better even though you do not seem to be studying… practicing… or speaking Spanish.

I was amazed by this as I traveled back and forth from the USA to Ecuador.  The longer I was away from Ecuador… the better my Spanish became.  My second language was automatically improving.  The self improving feature comes because you learn to create Spanish sentences rather than remember them.

The portion of the brain that creates is more powerful than the portion that recalls.  When your mind creates something… it owns it!  You do not have to remember .

During the course you learn 4005 Spanish words that you already know.   This eliminates the need to memorize 99% of Spanish words.

You then learn how to create Spanish sentences from these words.

Throughout the course you learn how to pronounce the sentences you create.

When the course ends… the mind keeps working… and creating… so next time you begin to speak Spanish you’ll be surprised .  You improve even though you have not actively worked on your lingual skill.

Due to the difficulty of getting groups together to learn this valuable technique, we created an online program for subscribers to use the Super Spanish course at home.   The normal three day in person course fee is $499 ($749 for a couple).

The ONLINE course is available at the highly reduced price of $149, but in this special offer we are knocking another $70 from the price so you can start now for only $79.  

The ONLINE course has our, full satisfaction or money back, guarantee.  Try Super Spanish for 60 days.  If not fully satisfied, simply let us know for a full refund.

Learn Spanish online $79 - using coupon code SPANISH70 at checkout to immediately save $70 off the regular price of $149.

Here are some testimonials from the course.

Here are a few quotes from delegates of the course.

One delegate from St. Louis wrote:  Hi Gary,  Just ended forty-five years in dentistry last week, and I’m on to a new career.  What is my new career?  Still formulating, but the eye -opening,mind expanding Super-Spanish course last weekend in St. Louis surely shows me the opportunity exists to expand my horizons.

Besides having a lot of nice people to learn our new language; the methods Merri and you developed proved to be just what you said they would be.  We all and I in particular relaxed our way to new learning.  I feel so very comfortable with the basis of my new language skills that I know I will be spitting out great Spanish sentences by the time I reach Ecuador in October.  Last year I spent six weeks in Ecuador and now I plan on conversing with the people.

Today’s excerpt of your newsletter really hit home. You do what you say you will. There are no surprises or hidden sales tricks. The only tricks are beneficial to our learning.  Thank you for a wonderful experience that I was quite unable to grasp how you would pull it off.  You did, however, and I look forward to other courses that you offer, and I have absolutely no doubt they also will work beneficially.  Best regards, Denis Molloy.

Another wrote about the Super Spanish course:   Buenos Dias, here is a testimonial for Super Thinking-Super Spanish.  Please feel free to use all or part in promotions for the course.  In addition, you may give my email address to any prospect “on the fence” about enrolling.  Yesterday, in Cotacachi, Ecuador, I finished Super Spanish.  I had high expectations for the course and they were exceeded.

After three days, I can speak Spanish in complete sentences. In simple conversations, such as buying groceries or ordering a meal, I can make myself understood. I think that’s incredible!

Although I am far from the competence level of a native speaker, I feel I’ve taken a giant step forward in learning Spanish so that I can experience the people and culture of Ecuador.  The foregoing benefits would have more than justified the time and money I invested in Super Spanish.  And learning some Spanish was not the most important benefit I got from the course.

Prior to leaving the USA, I had felt for some time that the pace of life there was unhealthy for me (and for most people) and I did nothing about it.

I’ve thought about the pace issue during the course.  One of the key elements Merri Scott designed into Super Spanish is placing the student in the optimal state for learning.  In class, the past three days, I’ve been re-introduced to guided journeys and introduced to the calming effects of Baroque music (www.sundaybaroque.org).  What a blessing! I’m inclined to make one or both a daily part of my life.   Rob Christi.  Cotacachi, Ecuador

Another attendee from a course wrote:   “I took this incredible class a few weeks ago, and I would like to tell anyone that is interested, that it is an amazing three days of learning with lots of laughs included. You leave everyday wanting to learn more and are so excited to do so.

“Other Spanish classes and tutoring made us feel like it would take forever to get to the point where we could put it into practice, but this method gave us a more fluent use for everyday life almost immediately AND the confidence to use it.  It is a fantastic way to show people how much they know and give confidence to learn and use Spanish creating a momentum.

“They made learning Spanish easy and fun in a very relaxed, comfortable atmosphere.  I would definitely recommend this course.  Even if you know some Spanish, this helps make it easier because of the less stress that no verb conjugations gives you.  This gives you more confidence in yourself to try and speak it more.

“I liked how simply the course was organized and the positive attitude about learning.  Thank you so much for helping me to learn Spanish!” Nadine Taylor

The ONLINE Super Spanish course has our, full satisfaction or money back, guarantee. Try Super Spanish for 60 days.  If not fully satisfied, simply let us know for a full refund. 

The course is available at the highly reduced price of $149, but in this special offer we are knocking another $70 from the price so you can start now for only $79.  

Learn Spanish online $79 - using coupon code SPANISH70 at checkout to immediately save $70 off the regular price of $149.

Still not sure?

Take just ten minutes to let me prove to you that this super fast way to gain the basics can let you can communicate in Spanish in an incredibly short time.

Gary

Gary-scott-super-spanish

Click here for FREE Super Spanish video.

The ONLINE Super Spanish course has our, full satisfaction or money back, guarantee. Try Super Spanish for 60 days.  If not fully satisfied, simply let us know for a full refund. 

The course is available at the highly reduced price of $149, but in this special offer we are knocking another $70 from the price so you can start now for only $79.  

Learn Spanish online $79 - using coupon code SPANISH70 at checkout to immediately save $70 off the regular price of $149.

 

(1) time.com/5806312/coronavirus-treatment-cost/

(2) www.wsj.com/articles/furniture-maker-coronavirus-11597875260