We mentioned on previous blog that we had decided to pursue private health insurance through Hospital Britanico in Montevideo. We went this route because we were told time and time again that it was the best health care in Uruguay, and the best place to have a baby in Uruguay.
While the care we received there was great, we decided to go another route. This decision was mostly due to the fact that every time we talked to the Hospital Britanico Scheme office, their price for delivering the baby kept changing. So much so, that the amount they wanted up front more than doubled from our original conversations! Yikes.
So, after doing some more research, we decided to pursue medical coverage through Asociación Española, one of Uruguay’s largest mutualistas. Asociación Española is named a "Baby Friendly Hospital" by the Ministry of Health, according to World Health Organization (WHO) and UNICEF initiatives. And, they have the most comprehensive Pediatric Department in Uruguay.
In addition, their health insurance rates are much lower than Hospital Britainco’s health insurance rates. Brian and I will each be paying UY$1446 per month (U$S 69.69 as of today’s exchange rate), which includes funeral coverage in addition to health care coverage (tax included). The rate for Zoë is UY$ 867 (U$S 41.78) per month, including health care coverage and funeral coverage (tax included).
There is an additional fee of UY$ 1085 (U$S 52.29) per month if you want a private room, but we decided to forgo that for now. You must pay 12 months of fees before you can actually have a private room (only 7 months for delivery of the baby). So, she said we can think about it and pay the full 7 months of fees later if I decide I want a private room.
That brings us to a total of UY$ 4629 per month, or U$S 223 (if only the US dollar would stop losing value!) for all three of us to have health insurance, emergency service coverage and funeral coverage. This is UY$ 1302 (U$S 62.75) per month less than Hospital Britanico (and we did not have funeral coverage with them).
Getting health insurance with Asociación Española was very simple. We just went down to their Departmento de Socios office at Rivera 2341 and met with a woman who spoke English (we were told you must get there between 8 am and 1 pm to be able to meet with someone who speaks English; no appointment necessary).
We told her we wanted to sign up with the hospital, provided our passports and signed a couple of papers. They didn’t even ask us any medical questions like they did at Hospital Britanico.
She recommended that we get photo ID cards for the hospital since we don’t have our cedulas yet (Uruguayan ID cards). There is an extra fee of UY$ 17 (U$S 0.82) each for the cards, but they make them for you on the spot. We paid the cashier; they took our pictures and gave us our Asociación Española ID cards.
Then she walked us over to the SUAT representative and gave her our information. We signed a couple papers and she provided our SUAT ID cards. Our coverage was effective immediately and we don’t have to pay anything until next month.
It was a very easy process to get health insurance through Asociación Española. Now, the next step is to find a good English-speaking Obstetrician at Asociación Española. Any recommendations are welcome!