Bad news: Our insurance doesn’t pay for any of the prescriptions we need!
I had to chuckle when we arrived at the pharmacy and everything came up in the computer as “denied.” Not that I had high hopes, but it was disappointing to see “denied” after all the paperwork we had to go through. However, if you take into consideration that medication is one-fifth to one-tenth the cost of what it would be in the States, we’re still only paying $40 a month or less for all our prescriptions.
We look at our medical as insurance against something catastrophic (after all we want to leave our boys an inheritance!) so we will continue to pay $81 a month, which includes healthcare for both of us. Because you just never know when you might fall into a “femur” breaker like I almost did today.
We were walking along Remigio Crespo and I was admiring all the gorgeous spring flowers (trees!), but I forgot the cardinal rule in Ecuador: Stop, plant your feet, and then look or take a picture. But today the sidewalk just jumped up and almost swallowed me up!
The streets and sidewalks are fairly uneven all over Cuenca and sometimes there are cracks in the cement, metal objects sticking up out of the pavement and today—two huge holes that were three feet deep! Mark grabbed my arm right before I almost “dug” myself into a hole.
We have had a few close calls since we arrived in Ecuador and we’ve had many friends who have taken some bad falls. My hubby already broke his hip a couple of years ago, so we’re not taking any chances. Medical care in Cuenca is excellent and the cost is one-fifth of what it would be in the States, so we feel a little bit better about stepping into “femur” breakers knowing that our medical insurance will cover up to six months in the hospital if it's accident related.
Evidently, we got our medical insurance just in time; our particular company (Humana) will only accept persons 55 years or younger. I’m sure there are other companies that will insure you if you’re older, but it may cost you considerably more.
Like anything in Cuenca, there’s the good and the bad, but for us…it’s all GOOD!
Until next time…hasta luego!
P.S. I'll leave you with some springtime pictures (no wonder I can't keep my eyes on the sidewalk!).