Real life experience Fonasa B with the private system

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eeuunikkeiexpat
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Real life experience Fonasa B with the private system

Post by eeuunikkeiexpat » Wed Sep 04, 2019 2:40 am

Preliminary Info:

I voluntarily pay monthly (US$31ish depending on exchange rate) into the Fonasa system at the B level (Chilean minimum wage) which gives me full coverage in the public system and bonos for the private system.

I am middle aged and proactive in health matters focusing on alternative health strategies so rarely go to the conventional allopathic system for anything unless a true bodily break/fix situation.


Problem:

I unfortunately have a situation where I damaged my knee and had to finally delve into the Chilean health system.

I went to the same Las Condes traumatologist my wife went to for a second opinion when she had a snapped shoulder tendon who not only accurately diagnosed her on the first visit but was able to prevent an operation (which the first doctor insisted on and was more than ready to schedule) via kinesiology therapy.

So doctor visit aprox. US$9, same day X-Rays on-site aprox. US$42. Doc ordered an MRI and I went to their recommended place in Santiago aprox. US$97. Then another visit to the doc for review of the data aprox. US$9 and then another aprox. US$9 for the doctor on staff that is the expert on the knee and who will be performing any future operation. Discovered that the first doc is actually the owner of the clinic and his specialty is not the knee but he knows his stuff and I feel confident that anyone on his staff he refers to can be trusted.

Diagnosis not good, need to reconstruct the ACL tendon and the inner meniscus is broke and the unsalvageable part needs to be removed.

Since I don't have a cadilac private plan like some of the younger or richer types on the forum, I was referred to Fonasa PAD where a medical consultant analyzes all the information pertinent to the situation and comes up with a price for the operation.

Of course, I had to get a blood test aprox. US$21 and an ECG aprox. US$9 which I conveniently did near my digs at Clinica San Antonio.

Next: now waiting on the PAD consultation.
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Re: Real life experience Fonasa B with the private system

Post by thisisreallycomplicated » Wed Sep 04, 2019 5:47 am

How did you hurt it?
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Re: Real life experience Fonasa B with the private system

Post by admin » Wed Sep 04, 2019 8:29 am

Fonasa not magic, but it is pretty dam good health insurance for the price. Better than anything I could have ever got in the U.S., at any price.

It is especially good deal, if you are in relatively good health.

I think key to getting the best bang for the peso, is being able access specialists outside the FONASA system at a relatively reasonable price.
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eeuunikkeiexpat
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Re: Real life experience Fonasa B with the private system

Post by eeuunikkeiexpat » Wed Sep 04, 2019 10:22 am

thisisreallycomplicated wrote:
Wed Sep 04, 2019 5:47 am
How did you hurt it?
In a stupid way, I was jumping up and down and when I returned to earth on the fatal jump, I landed leg extended in just that 1% certain way and blew out the knee which I have never had a problem with previously.
There are two ways to be fooled.

One is to believe what isn't true;

the other is to refuse to believe what is true.

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Re: Real life experience Fonasa B with the private system

Post by mem » Wed Sep 04, 2019 3:06 pm

Yes, it seems that Fonasa B has a really good reputation from everyone who has had experience with it and the prices are simply a great value. My wife is going to be using (Fonasa B as well I think) at a private hospital so I can comment on her experience once she goes through it.

Question: Is it possible to pay the Fonasa fees in advance versus month to month? We have about 5 more months on our current work visa, and it would be great if we could just pay the AFP/Fonasa taxes ahead and have it all be done with so we have the receipts to present when dealing with the intendencia for the next/new year of work visas for us.

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Re: Real life experience Fonasa B with the private system

Post by thisisreallycomplicated » Wed Sep 04, 2019 7:26 pm

eeuunikkeiexpat wrote:
Wed Sep 04, 2019 10:22 am
thisisreallycomplicated wrote:
Wed Sep 04, 2019 5:47 am
How did you hurt it?
In a stupid way, I was jumping up and down and when I returned to earth on the fatal jump, I landed leg extended in just that 1% certain way and blew out the knee which I have never had a problem with previously.
Are you sure it's bad enough, that it needs surgery? How high were you jumping? I twisted mine about a year or 2 ago, and it hurt like h*ll. But it's back to normal now.
“Now it’s conspiracy – they’ve made that something that should not even be entertained for a minute, that powerful people might get together and have a plan. Doesn’t happen, you’re a kook, you’re a conspiracy buff!” – George Carlin

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Re: Real life experience Fonasa B with the private system

Post by at46 » Wed Sep 04, 2019 7:47 pm

thisisreallycomplicated wrote:
Wed Sep 04, 2019 7:26 pm
eeuunikkeiexpat wrote:
Wed Sep 04, 2019 10:22 am
thisisreallycomplicated wrote:
Wed Sep 04, 2019 5:47 am
How did you hurt it?
In a stupid way, I was jumping up and down and when I returned to earth on the fatal jump, I landed leg extended in just that 1% certain way and blew out the knee which I have never had a problem with previously.
Are you sure it's bad enough, that it needs surgery? How high were you jumping? I twisted mine about a year or 2 ago, and it hurt like h*ll. But it's back to normal now.
Over the long term, patients who undergo knee arthroscopy versus those who receive conservative management strategies do not have important benefits in pain or function.
https://bmjopen.bmj.com/content/7/5/e016114

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Re: Real life experience Fonasa B with the private system

Post by thisisreallycomplicated » Wed Sep 04, 2019 9:18 pm

admin wrote:
Wed Sep 04, 2019 8:29 am
I think key to getting the best bang for the peso, is being able access specialists outside the FONASA system at a relatively reasonable price.
Can anyone with FONASA access specialists outside FONASA? Or do you need some special type of FONASA?
“Now it’s conspiracy – they’ve made that something that should not even be entertained for a minute, that powerful people might get together and have a plan. Doesn’t happen, you’re a kook, you’re a conspiracy buff!” – George Carlin

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Re: Real life experience Fonasa B with the private system

Post by thisisreallycomplicated » Wed Sep 04, 2019 9:22 pm

at46 wrote:
Wed Sep 04, 2019 7:47 pm
thisisreallycomplicated wrote:
Wed Sep 04, 2019 7:26 pm
eeuunikkeiexpat wrote:
Wed Sep 04, 2019 10:22 am
thisisreallycomplicated wrote:
Wed Sep 04, 2019 5:47 am
How did you hurt it?
In a stupid way, I was jumping up and down and when I returned to earth on the fatal jump, I landed leg extended in just that 1% certain way and blew out the knee which I have never had a problem with previously.
Are you sure it's bad enough, that it needs surgery? How high were you jumping? I twisted mine about a year or 2 ago, and it hurt like h*ll. But it's back to normal now.
Over the long term, patients who undergo knee arthroscopy versus those who receive conservative management strategies do not have important benefits in pain or function.
https://bmjopen.bmj.com/content/7/5/e016114
I always remember a guy from my gymnastics team in college, who had that type of surgery done on his elbow. He didn't seem too happy with the results, and I wonder if he would've been better off without the surgery.
“Now it’s conspiracy – they’ve made that something that should not even be entertained for a minute, that powerful people might get together and have a plan. Doesn’t happen, you’re a kook, you’re a conspiracy buff!” – George Carlin

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eeuunikkeiexpat
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Re: Real life experience Fonasa B with the private system

Post by eeuunikkeiexpat » Wed Sep 04, 2019 9:23 pm

Thanks for questioning the need for surgery as I likewise am usually against it. The article above is regarding degenerative knee conditions whereas my problem is a snapped ACL tendon and a broken inner meniscus (recent major traumas not degenerative) both of which prevent me from getting back to walking normally. Yes, I have been walking around - carefully - for eight weeks without any crutches and have reached a plateau where the sensation of knee instability or that something is not right prevents me from walking normally, fast or more. This injury is similar to what futbolers and other athletes experience.

At a minimum, the inner meniscus unrecoverable parts that are broken need to be removed as the pieces can come loose and migrate in the joint and cause other problems. The inner meniscus differs from the outer meniscus (mine is uninjured) in that it does not have adequate blood supply to be repaired. The lack of an ACL tendon may mean I will never be able to walk normally or engage in more intense knee activities and the longer one waits for surgery, the less successful it will be. Since the meniscus definitely needs to be operated on, reconstructing the ACL at the same time makes sense and it is not like I don't have the time to properly recover from such an operation.

Ideally, it would be nice if I could keep up with growing grand kids, go on a semi-challenging hike and run at full throttle from the incoming tsunami or other threat if needed :alien:
There are two ways to be fooled.

One is to believe what isn't true;

the other is to refuse to believe what is true.

- Søren Kierkegaard

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Re: Real life experience Fonasa B with the private system

Post by eeuunikkeiexpat » Wed Sep 04, 2019 9:33 pm

thisisreallycomplicated wrote:
Wed Sep 04, 2019 9:18 pm
admin wrote:
Wed Sep 04, 2019 8:29 am
I think key to getting the best bang for the peso, is being able access specialists outside the FONASA system at a relatively reasonable price.
Can anyone with FONASA access specialists outside FONASA? Or do you need some special type of FONASA?
As long as you are paying into the system at the B level, you can go to anyone in the private system who accepts Fonasa and receive a bono (usually around 50% off the without insurance price). The bonos for office visits and lab stuff is usually issued on site whereas PAD and Plan Auge bonos need to be payed at a Fonasa office.
There are two ways to be fooled.

One is to believe what isn't true;

the other is to refuse to believe what is true.

- Søren Kierkegaard

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Re: Real life experience Fonasa B with the private system

Post by passport » Wed Sep 04, 2019 10:42 pm

Are there income limits for qualifying for FONASA B?

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