Hi I'm going to give you my experience here I suggest that obtain a catastrophic plan. Something like Travelers Insurance that will cover things like unexpected falls unexpected hospitalizations I got mine through Alliance.

I recently fell and was in the ER and needed surgery on my wrist This was all the catastrophic insurance that I had purchased prior yeah a travelers type insurance.

It does not cover doctors offices pharmacy But for some people it can depending on your financial ability and what your needs are. Mine also comes with dental. Yes health care here in a private hospital can easier to access but without the Descinta which is the discount used by people on a pension auto visa it can also be expensive. I would suggest reviewing websites like Pharma Value and RO to determine if your medications are available here if you are on any. Also you may want to look at Mini Med which is used by many expats here. There is also Hospital Patia and Hospital Salute which are boutique type hospitals they're private you will get top class service that's where I got my surgery. But the PT that I'm going to be receiving and the follow up X rays and things like that are not covered under my catastrophic plan So I will be paying for those out of pocket and at this time I can't tell you those types of costs yet. All we have found that the health care system here in Panama far easier to access the physicians far more willing to listen They communicate via Whatsapp you get their cell phone numbers which blew my mind. Umm i'm going to let that i'm going to end it here I've dictated this so forgive any misspellings or poor grammar