Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, where he focuses on helping people compare health plans for life abroad. He emphasizes clear information, neutral analysis, and practical decision support.
Cigna Global in Panama
Cigna Global is one of the most popular choices among American retirees in Panama. With strong hospital relationships, US coverage options, and comprehensive plans, Cigna addresses the key concerns of Panama's expat community.
For retirees who may need care back in the US or want seamless coverage across borders, Cigna's global network and reputation provide peace of mind.
$350-550
Monthly (Age 55)
Direct Billing
Panama City hospitals
US Coverage
Available option
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Comprehensive coverage for Panama expats and retirees.
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Why Cigna for Panama
Cigna Global stands out for Panama expats for several reasons:
Hospital Network
Cigna has relationships with Panama's top private hospitals:
- Hospital Punta Pacífica: Direct billing available at this Johns Hopkins-affiliated facility
- Hospital Nacional: Part of Cigna's network
- Centro Médico Paitilla: Established network facility
US Coverage Options
Many American retirees in Panama want the option to return to the US for complex care. Cigna offers:
- Plans with US coverage included
- Access to US hospital networks
- Coordination with Medicare for those who maintain it
Retiree-Friendly Features
- Lifetime renewability guarantee
- No upper age limit for new applicants (with medical underwriting)
- Wellness programs designed for older adults
Pensionado Tip
Pensionado visa holders get 20% off medical consultations and 15% off hospital stays in Panama. These discounts apply even when using Cigna, reducing your out-of-pocket costs.
Plans and Pricing
| Plan | Coverage | Price (Age 55) |
|---|---|---|
| Silver | Core inpatient | $280-350/mo |
| Gold | Inpatient + outpatient | $350-450/mo |
| Platinum | Comprehensive | $450-550/mo |
Prices shown for healthy 55-year-old. Actual premiums depend on age, health history, selected coverage, and deductible.
Cost Factors
- Age: Premiums increase significantly after 60 and 65
- US coverage: Adding US coverage increases premiums 30-50%
- Deductible: Higher deductibles ($2,500-$5,000) can reduce premiums 20-30%
- Area of coverage: Americas-only is cheaper than worldwide
Coverage Details
What's Covered
- Inpatient: Hospital stays, surgery, ICU
- Outpatient: Doctor visits, specialists, diagnostics (Gold+)
- Emergency: Worldwide emergency coverage
- Evacuation: Medical evacuation to nearest appropriate facility
- Cancer treatment: Full coverage including US facilities
- Chronic conditions: Covered after waiting period
Limitations
- Pre-existing conditions: 2-year moratorium or underwriting
- Mental health: Limited coverage, varies by plan
- Dental/vision: Optional add-on, limited benefits
Retiree Considerations
Age-Related Pricing
Panama's retiree demographic means age-related pricing is especially important:
- Age 55: $350-550/month
- Age 65: $500-800/month
- Age 75: $700-1,100/month
Pre-existing Conditions
Many retirees have pre-existing conditions. Cigna offers:
- Moratorium: 2-year exclusion, then covered
- Full underwriting: May cover some conditions immediately, exclude others
- Continuation: If coming from employer plan, may get better terms
Living Outside Panama City
If you live in Boquete, Coronado, or Bocas del Toro, Cigna's evacuation coverage becomes more valuable. You may need transport to Panama City for serious care.
Compare Cigna Plans for Panama
Find the right coverage level for your needs.
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Disclaimer: Prices and coverage details are estimates based on typical scenarios. Get a personalized quote for accurate pricing based on your age, health, and coverage needs.
