Community Posts
Insurance policies have limitations and exclusions that are often not clearly detailed, potentially leading to surprises when surprises are the last thing you need. By discussing critical details and providing the knowledge to make informed decisions, I aim to ensure that your healthcare and insurance coverage align effectively.
One of the most common exclusions is coverage for treatments not based on evidence-based medicine or those under investigation. This means that while medication might be approved by the FDA, it may not necessarily be approved by Ecuador’s Ministry of Public Health (MSP). Similarly, treatments prescribed by homeopathic physicians, or those involving technologies such as hyperbaric chambers, might not be covered if they are not recognized and accepted by the MSP.
Some doctors may have interests or affiliations that could influence their recommendations for specific treatments. Therefore, if a particular treatment is suggested, make sure to verify with your doctor to ensure prescribed treatments have the necessary approvals. It’s also imperative to communicate with your insurance agent about the proposed treatment and understand how your policy applies to it.
Through articles like this one, helps to provide guidelines for handling specific situations, such as physician recommendations that may be influenced by personal interest. With this knowledge, you will be better equipped to make informed decisions about your health and your insurance coverage, ensuring that you receive the most effective care for your health needs.
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1. When buying fresh cookies here of what might an Expat want to know?
2. What are the four general types of Ice Cream sold here?
3. What’s light tan with pink dots and is not a potato?
4. At a department store, some rechargeable batteries are behind a locked case. What will likely be required to purchase them? Why?
5. At an Artesenal market there are pricy varieties of Ecuadorian Chocolate. Is there a cheaper way to get these?
Score:
0. Strongly recommend going to www.MasDespacio.com
1. Probably best to go to www.MasDespacio.com
2. Consider going to www.MasDespacio.com
3. 50/50
4. You might be ok without www.MasDespacio.com
5. I need to talk to you about being a content provider. Please go to www.MasDespacio.com and click Support.
Alternatively, one can go to Amazon and buy the book Mas Despacio 1,000 things to consider before moving to Ecuador for only $9.99.
Stay tuned for more questions in a few days.
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1. There are at least three types of “Tortillas” here. What are they?
2. What’s the difference between Arriba chocolate and what most of us eat and who cares?
3. When a person’s iron dies, what one option is available here in Ecuador that is unheard of in the U.S.?
4. When trying to buy a fresh pineapple at a tienda, the owner asks “Blanca” o “Hawaiian”? What’s the correct answer?
5. A passenger is waiting at the correct stop when the bus they want flies by being only partially loaded. The next two do the same with even fewer passengers. What can cause this and how can it be avoided?
Score:
0. Strongly recommend going to www.MasDespacio.com
1. Probably best to go to www.MasDespacio.com
2. Consider going to www.MasDespacio.com
3. 50/50
4. You might be ok without www.MasDespacio.com
5. I need to talk to you about being a content provider. Please go to www.MasDespacio.com and click Support.
Alternatively, one can go to Amazon and buy the book Mas Despacio 1,000 things to consider before moving to Ecuador for only $9.99.
Stay tuned for more questions in a few days.
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Did you know that you can make a difference today in the future of Cuenca’s dogs?
FAAN (Fundacion Familia Amor Animal) has established a Legacy Society that supports the future and sustainability of our new US Standard animal shelter and our prevention and education programs, designed holistically to radically change the face of animal welfare in Ecuador. Because change is needed! In this article one of FAAN’s Legacy Society members explains the process of making your will in Ecuador and in the US including planned giving for your charity of choice.
https://www.faanecuador.org/extractedarticles/heirofthedog/heirofthedog.pdf
FAAN promises to make a difference in animal welfare and your promise to support FAAN’s future today, helps the Foundation create sustainable building blocks to fund ongoing operations and support of the shelter. Visit our Legacy Giving Page on our website at https://www.faanecuador.org/heirprogram.html
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RioCargo Express offers an affordable and reliable way to import your international purchases to Cuenca. With our service, you only pay $5.99 per pound, regardless of the store you buy from. Whether you’re shopping on Amazon, Shein, AliExpress, eBay, or thousands of other online retailers, we’ve got you covered.
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Don’t let the hassle and expense of international shipping prevent you from getting the products you want. Choose RioCargo Express and enjoy hassle-free, affordable shipping to Cuenca.
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Website: www.courierc.com
WhatsApp: 0986539819
Telephone: 07409133
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1. What’s Salcedo Ice Cream and besides going to Salcedo, how else can one buy it? Of what flavor should one beware?
2. A recipe calls for butternut squash. Is that going to be a problem?
3. What are three ways to clean fruits and vegetables? Is it necessary?
4. What is required for those wanting 600mg of ibuprofen here? What about insulin?
5. What’s Churrasco? What do they normally cost and for what should one be prepared?
Score:
0. Strongly recommend going to www.MasDespacio.com
1. Probably best to go to www.MasDespacio.com
2. Consider going to www.MasDespacio.com
3. 50/50
4. You might be ok without www.MasDespacio.com
5. I need to talk to you about being a content provider. Please go to www.MasDespacio.com and click Support.
Alternatively, one can go to Amazon and buy the book Mas Despacio 1,000 things to consider before moving to Ecuador for only $9.99.
Stay tuned for more questions in a few days.
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1. What are “sueltos” and why does this word often frustrate Expats?
2. A person hears your name and exclaims that the two of you are “tacayos”. What does that mean?
3. What is “Cuy” and what are some things an Expat should know before ordering it?
4. Though $1.50 almuerzos can be found, what might an Expat want to know before ordering it?
5. What should an Expat know before ordering a brownie here?
Score:
0. Strongly recommend going to www.MasDespacio.com
1. Probably best to go to www.MasDespacio.com
2. Consider going to www.MasDespacio.com
3. 50/50
4. You might be ok without www.MasDespacio.com
5. I need to talk to you about being a content provider. Please go to www.MasDespacio.com and click Support.
Alternatively, one can go to Amazon and buy the book Mas Despacio 1,000 things to consider before moving to Ecuador for only $9.99.
Stay tuned for more questions in a few days.
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When it comes to shipping your packages, peace of mind is essential. With RioCargo, you can send your shipments with ease and have complete control over the entire process. We understand the importance of avoiding losses and damages during transit.
Our reliable shipping solutions ensure that your packages are handled with care from start to finish. Whether you’re sending valuable items, fragile goods, or important documents, we prioritize their safety and security.
By choosing RioCargo, you gain full control over your shipments. You can track their progress, receive real-time updates, and have peace of mind knowing exactly where your packages are at all times. Our commitment to excellence ensures that your shipments arrive at their destination intact and on time.
Trust RioCargo for effortless shipping, unparalleled control, and the assurance that your packages are in safe hands.
Contact information:
Website: www.courierc.com
WhatsApp: 0986539819
Telephone: 07409133
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1. What is “Morcilla” and why should some people never order it?
2. What expectations should an Expat have with regard to paper napkins and restaurants?
3. At a classic ice cream store, what is one flavor an adult should probably taste first before ordering?
4. A restaurant says “BBQ” outside. What should one expect?
5. A man on the street opens a large plastic container filled with beautiful, giant, donuts for sale. What should an Expat know before deciding to buy one? What about Brownies? What about cupcakes?
Score:
0. Strongly recommend going to www.MasDespacio.com
1. Probably best to go to www.MasDespacio.com
2. Consider going to www.MasDespacio.com
3. 50/50
4. You might be ok without www.MasDespacio.com
5. I need to talk to you about being a content provider. Please go to www.MasDespacio.com and click Support.
Alternatively, one can go to Amazon and buy the book Mas Despacio 1,000 things to consider before moving to Ecuador for only $9.99.
Stay tuned for more questions in a few days.
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1. What, not who, is “Lisa Asada” and why might it best to have a friend handy when ordering it?
2. What’s should an Expat know about Donuts here?
3. How common are “Panaderias” (Bread Stores) in Ecuador and why?
4. How common are Chinese restaurants, how good is their food, and what one dish can one almost guarantee will be on the menu?
5. How easy is it to find yogurt here and what should one know before buying it?
Score:
0. Strongly recommend going to www.MasDespacio.com
1. Probably best to go to www.MasDespacio.com
2. Consider going to www.MasDespacio.com
3. 50/50
4. You might be ok without www.MasDespacio.com
5. I need to talk to you about being a content provider. Please go to www.MasDespacio.com and click Support.
Alternatively, one can go to Amazon and buy the book Mas Despacio 1,000 things to consider before moving to Ecuador for only $9.99.
Stay tuned for more questions in a few days.
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At RioCargo, transparency is our priority. We understand the importance of clear and transparent rates when it comes to international shipping. That’s why we guarantee clear rates from the very beginning, ensuring that you know exactly what you’re paying for. No hidden fees or surprises along the way.
In addition to transparent rates, we also strive to reduce taxes for our customers. We have a thorough understanding of customs regulations and work diligently to minimize any additional costs or duties that may arise during the import process. With RioCargo, you can rest assured that your budget is protected, and you won’t be burdened with unexpected expenses.
We believe in providing a seamless and hassle-free shipping experience. Our commitment to transparency, clear rates, and tax reduction sets us apart. Experience the difference with RioCargo and enjoy the peace of mind that comes with knowing you’re getting the best value for your international shipments.
Contact information:
Website: www.courierc.com
WhatsApp: 0986539819
Telephone: 07409133
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1. What is “Cazuela” and where is it most commonly found?
2. What is Golf sauce, what is it not, and what should one expect when it is served?
3. What are “Salchipapas”?
4. Between Quito and Cuenca it is common to see rotisseries on the side of the road. In addition to the chicken there is often a meat that looks like what? What should a person know before trying it?
5. How do McDonald’s hamburgers taste here, compared to the U.S. and what U.S. chain is 4 times bigger here?
Score:
0. Strongly recommend going to www.MasDespacio.com
1. Probably best to go to www.MasDespacio.com
2. Consider going to www.MasDespacio.com
3. 50/50
4. You might be ok without www.MasDespacio.com
5. I need to talk to you about being a content provider. Please go to www.MasDespacio.com and click Support.
Alternatively, one can go to Amazon and buy the book Mas Despacio 1,000 things to consider before moving to Ecuador for only $9.99.
Stay tuned for more questions in a few days.
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1. On the freeway, yes they have freeways here, there is a sign that says “Falla”. What does that mean, and what are some things a driver might want to do?
2. Out on the street, an Expat couple looks for a restaurant serving breakfast. What will they likely find?
3. When speaking to a shop owner the owner will occasionally reply, “¿Mande?” What did they just ask?
4. What is the Registro Civil and of what use is it to Expats?
5. When ordering a steak, what are the common words used to describe how done the customer wants the steak to be?
Score:
0. Strongly recommend going to www.MasDespacio.com
1. Probably best to go to www.MasDespacio.com
2. Consider going to www.MasDespacio.com
3. 50/50
4. You might be ok without www.MasDespacio.com
5. I need to talk to you about being a content provider. Please go to www.MasDespacio.com and click Support.
Alternatively, one can go to Amazon and buy the book Mas Despacio 1,000 things to consider before moving to Ecuador for only $9.99.
Stay tuned for more questions in a few days.
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FAAN (Fundacion Familia Amor Animale) is delighted to share with Cuenca High Life Animal Lovers our latest magazine for FAAN-atics (Volunteers, Donors, and Adopters) who are working to build the first US standard shelter in Ecuador and make Cuenca known as “The City that Cares” about Animal Welfare.
In this issue, read a first-person account of creating your Last Will and Testament in Ecuador and an introduction to our “Heir of the Dog” Program; Discover what dogs teach us and learn more about the emotions of your pet.
You can also read about and sign up for our incredible June Events (a 50th Birthday Celebration Tea at Madame’s at 4 PM, today this Friday, May 26th) and an amazing day trip to the Tarqui mountains Saturday, June 3rd from 9 – 3 PM
You will enjoy Mimosas and a Continental Breakfast at the home of one of our Cuenca volunteers, walk with a play with the FAAN dogs at their temporary shelter, enjoy the peace and tranquility of the Tarqui countryside, and be hosted by an Ecuadorian family for a traditional, vegetarian lunch. If you haven’t yet visited the FAAN shelter join us on June 3rd! We’re a fun-loving pack of animal lovers working tirelessly to change the face of animal welfare through rescue, sanctuary, prevention, adoption, and education.
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1. An electronic document asks for the Provincia, Cantón, and Ciudad. To what is it referring?
2. A woman is walking down the street with a basket full of what looks like potato chips. She continues to yell, “¡Chifle! ¡Dulce! ¡Chifle! ¡Dulce!” What is she selling, and of what three things should an Expat be aware?
3. When asking for a cubeta of eggs at a local tienda, the owner will often ask, “Criollo o no?” What is a cubeta of eggs, what is “Criollo”, and how much is a standard price for each?
4. When backing into or driving out of a parking space, an attendant or a “vigilante” will often say, “¡Delelelelele!” What are they saying, and what will the “vigilante” desire when the car leaves?
5. What is the proper pronunciation of the word, “Ecuador”?
Score:
0. Strongly recommend going to www.MasDespacio.com
1. Probably best to go to www.MasDespacio.com
2. Consider going to www.MasDespacio.com
3. 50/50
4. You might be ok without www.MasDespacio.com
5. I need to talk to you about being a content provider. Please go to www.MasDespacio.com and click Support.
* Alternatively, one can go to Amazon and buy the book Mas Despacio 1,000 things to consider before moving to Ecuador for only $9.99.
Stay tuned for more questions in a few days.
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In the world of package transport, we understand that your peace of mind is paramount. That’s why we go above and beyond to provide you with the highest level of security and protection. Introducing our free insurance service, designed to give you total peace of mind during the entire transport process.
When you choose our services, you can rest easy knowing that your packages are safeguarded every step of the way. Our comprehensive insurance coverage ensures that in the unlikely event of loss or damage, you’ll be fully protected. Whether you’re sending valuable items, fragile goods, or important documents, we’ve got you covered.
We believe that exceptional customer service includes not only reliable transport but also the assurance that your belongings are in safe hands. That’s why we prioritize your peace of mind above all else. With our free insurance, you can trust that your packages are in the best care possible.
Choose our services for a worry-free shipping experience. Your peace of mind is our priority, and we’re here to deliver it every step of the way.
Contact information:
Website: www.courierc.com
WhatsApp: 0986539819
Telephone: 07409133
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1. How does one add a diacritic to a word in WhatsApp, and why might that save a person a good deal of money?
2. A store clerk tells a customer that they need to go to a Banco de Tornillos (Bank of screws). What is he / she recommending?
3. After returning an empty Botellón to a tienda owner, the customer is directed to a stack of full ones. What is the customary price for such an exchange, and of what should the buyer beware?
4. What’s a “cable” and how hard are they to find here?
5. What is IESS and why do many Expats find it better than the alternative?
Score:
0. Strongly recommend going to www.MasDespacio.com
1. Probably best to go to www.MasDespacio.com
2. Consider going to www.MasDespacio.com
3. 50/50
4. You might be ok without www.MasDespacio.com
5. I need to talk to you about being a content provider. Please go to www.MasDespacio.com and click Support.
* Alternatively, one can go to Amazon and buy the book Mas Despacio 1,000 things to consider before moving to Ecuador for only $9.99.
Stay tuned for more questions in a few days.
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Thinking of Moving to Ecuador? Take this Short Quiz (#25)
1. A recipe calls for evaporated milk. Will that be an issue? What about condensed milk?
2. At lunch time a waiter hands the Expat a menu. Why might that be an issue?
3. When is Skype preferable rather than making a normal phone call?
4. One person loves barbequing with charcoal, the other with gas. Will either be able to enjoy their passion here in Ecuador?
5. A store clerk or government official asks for your 2nd “Apellido” (Last Name). What is the correct response?
Score:
0. Strongly recommend going to www.MasDespacio.com
1. Probably best to go to www.MasDespacio.com
2. Consider going to www.MasDespacio.com
3. 50/50
4. You might be ok without www.MasDespacio.com
5. I need to talk to you about being a content provider. Please go to www.MasDespacio.com and click Support.
* Alternatively, one can go to Amazon and buy the book Mas Despacio 1,000 things to consider before moving to Ecuador for only $9.99.
Stay tuned for more questions in a few days.
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1. When printing a page from the computer, here in Ecuador, the printer jams. What could very likely be the problem?
2. When buying some tomatoes, the shop keeper asks “Riñón (Pronounced Reen-yón) or del arbol (Áre-bowl)?” What’s the correct answer?
3. A visiting youngster says they only eat Frosted Flakes for breakfast. What could be said to the youngster?
4. At a U.S. style Grocery store, an employee helps take the bagged food to one’s car or waiting taxi. Is it customary to tip them for this service? If so, how much?
5. In Cuenca, a popular Expat retirement community, it is very common for people to say that it is safe to drink the water. Is that true?
Score:
0. Strongly recommend going to www.MasDespacio.com
1. Probably best to go to www.MasDespacio.com
2. Consider going to www.MasDespacio.com
3. 50/50
4. You might be ok without www.MasDespacio.com
5. I need to talk to you about being a content provider. Please go to www.MasDespacio.com and click Support.
* Alternatively, one can go to Amazon and buy the book Mas Despacio 1,000 things to consider before moving to Ecuador for only $9.99.
Stay tuned for more questions in a few days.
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Most health insurance providers in Ecuador don’t require medical examinations before signing up for insurance; they trust the good faith of the client. This makes it crucial to declare all pre-existing conditions on your application. Failure to do so may result in your pre-existing conditions not being covered.
When visiting a physician, it’s important to specify when the symptoms of your discomfort began. For instance, if you have been experiencing stomach pain for more than two or three months, then get diagnosed with a gastric ulcer, it’s essential to disclose the date when the symptoms began. If you contracted health insurance only one month before, the insurer will request additional information from your physician to determine whether the diagnosis of the gastric ulcer is an unreported pre-existing condition or not.
It’s essential to understand the rules and regulations regarding pre-existing conditions before purchasing health insurance. Always declare all pre-existing conditions and ensure your physician fills out your reimbursement forms correctly. Your insurance agent can also provide guidance and assistance, avoiding any possible misunderstandings.
In summary, understanding pre-existing conditions is a critical aspect of purchasing private health insurance. By ensuring that you declare all pre-existing conditions and provide accurate information to your physician, you can enjoy peace of mind and receive the best healthcare possible.
Contact me if you have any questions.
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Blue Box CP
