Affordable Health Insurance In Extremadura

Best Ways To Get Affordable Health Insurance In Extremadura

Are you an expatriate or a resident looking for ways to get affordable health insurance in Extremadura? Do not worry, you are on the right track. 

The Extremadura Health Service ( SES ) is in charge of the public health care and benefits system which provides affordable health insurance in Extremadura.

Health insurance offers so many valuable benefits and all residents in Extremadura should have health coverage. Aside from Extremadura’s public health care service, there is also a private sector that offers health insurance.

With both options to choose from, it may appear to be a little tricky to find which best suits your needs without breaking the bank. But that is why we are here to guide you through the process.

Let’s look closely at the ways to get affordable health insurance in Extremadura.

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Extremadura Health Service(SES)

The Extremadura health service is an autonomous public health service created IN 1986 belonging to the Spanish National Health System.

The SES is a major means of getting affordable health insurance in Extremadura. It is responsible for providing health care services including prevention, treatment, and rehabilitation across the community. One good thing about Extramaduras health service is that the quality of care given is of a high standard and it covers all eligible residents equally.

In Extremadura, the public health service is funded by public taxation which is similar to the MO(mode of operation) of the UK. Workers, both employed and self-employed make social security contributions that are used to fund the system. These contributions serve as their health insurance tax.

The Extremadura Health Service consists of different Health Areas. These areas are geographical divisions with an Area Management responsible for managing the health or medical centers belonging to the service for the health competencies to be developed by them. The different areas are stated below:

  1. Badajoz Health Area
  2. Merida Health Area
  3. Coria Health Area
  4. Caceres Health Area
  5. Llerena-Zafra Health Area
  6. Plascencia Health Area
  7. Navalmoral Health Area 
  8. Don Benito-Villanueva Health Area
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Who Is Eligible For Health Insurance In Extremadura?

Although the SES provides comprehensive healthcare services that meet the needs of the people, not all individuals are eligible to receive free state healthcare services. The following individuals are entitled to Extremaduras health insurance:

  • Employees and Self-employed workers

Workers in Extremadura make social security contributions through their wages or salary which entitles them to the public health cover.

  • Freelancers and business owners

Freelancers also make their social security contributions toward public healthcare and it gives them access to health services.

  • Spouses and children

Spouses of workers and children under the age of 18 are eligible to receive free state care.

  • EU/EEA/Swiss nationals

If you are an EU or EEA or Swiss national on a temporal visit to Extramadura or any other autonomous community in Spain you can receive treatment at the same price as a Spanish national but you must have your EHIC(European Health Insurance Card).

EU nationals who have reached retirement age in their home country can also access public health services in Spain.

  • Students

Students from the European Union with their EHIC can receive health care throughout their period of stay in Spain.

However, non-EU nationals and temporary residents are not covered by the public health insurance in Extramadura and so would require private health policies to cover any medical expenses incurred. 

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What Does Public Health Insurance In Extremadura Cover?

To access any health care service provided by SES, you need to have a health card. A health card covers doctors’ care, hospital treatment, and also homecare treatment which is particularly beneficial to the disabled and elderly.

The health card gives you access to receive free treatment from doctors and hospitals in the state as well as in other parts of Spain. However, prescriptions require payment.

Prescription Costs

In Spain, prescriptions are not free although they come at a subsidized rate. The Spanish government placed a charge/fee on medications to control waste and abuse. 

The current prescription charge is about 11 Euros. However, 40-60% of a worker’s prescription cost is covered by his healthcare card, depending on his income.

Also, the health card covers 90% of the total prescription cost for pensioners.

Dental treatment is not covered by public health except for examinations and minor treatments for kids. More expensive procedures must be paid in full unless you have private health insurance. Dental insurance costs are as low as 10-20 Euros per month.

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Applying For Public Health Insurance In Extremadura

If you qualify for public health insurance, you should register. Applying for public health cover requires the following steps:

  1. Register your address at your local town hall
  2. There you would be issued a certificate of registration(empadronamiento). 
  3. Do well to you have your social security number. It is usually given by employers to those who are workers. But if you are self-employed, you can obtain yours from the social security office closest to you. 
  4. The next step is to apply for a health card (TSI: targeta sanitaria individual in Spanish). To do this, you’ll have to fill out form TA1.
  5.  Take the filled form to a Social Security office near you along with your ID or passport, NIE, and padrón certificate from your local town hall where it will be processed.
  6. You can arrange for it to be sent to you via mail or you can go pick it up yourself.

The system(Extremadura Health Service) allows participants to select general practice doctors within their local district. However, you need a referral to see a specialist doctor.

Your health card proves that you have health insurance in Extremadura and whenever you want to access health care services or purchase a prescription from a pharmacy enjoy the discounts.

 

Private Health Insurance In Extremadura

Private companies also offer affordable health insurance in Extremadura and they offer an extensive range of services that meets the particular needs of different people.

Private health plans are usually the best way for individuals who are not eligible for public health services to get health coverage. Some residents also buy private health policies to complement the public health cover they have.

Advantages Of Private Health Insurance 

Generally, public health service is known to have long waiting lists. With private health insurance, on the other hand, waiting lists are shorter and in some cases absent which means you get quicker access to specialist care.

For patients who require regular medical care, private health insurance in Extremadura might be the best option for you. With private health, you also get to decide which doctor or specialist sees you.

How To Select A Health Insurance Provider In Extremadura

There are many private health companies in Extremadura. If you decide to buy a private health plan and you want to select a health insurance provider, you should first of all:

  1. Understand your needs: This would help you know the type of plan and level of cover you want from your health insurance. 
  2. Consider your budget: Check to see if your preferred plan fits your budget effectively.
  3. Search Hunt: After you’ve considered and concluded on a decision then you can begin to hunt for quotes from multiple insurers and compare them to find which best sits well with your needs and budget. quotes from different health insurance and compare them

These steps can help you in your search for affordable health insurance in Extremadura.

Some Private Health Insurers

  1. Cigna Global
  1. Allianz Care
  2. Globality Health

In Conclusion

There’s no question about the importance of health insurance as it serves as protection for self against health costs that could arise unexpectedly. 

Both public and private health insurance in Extramadura provide quality care at affordable costs. The best policy is to weigh your options before committing to any plan or service. 

I hope this article has been of great help to you. You can drop any questions you have in the comment section.

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