Can I Use My Medicare in Costa Rica?

No — Medicare does not provide coverage outside the United States.

This applies to all parts of Medicare:

• Part A (hospital)

• Part B (medical)

• Part D (prescriptions)

If you move to Costa Rica, your Medicare will still exist, but it won’t pay for your healthcare abroad.

1. What Are Your Healthcare Options in Costa Rica?

Costa Rica offers two excellent systems:

A. Public System — CAJA

All residents must enroll in CAJA.

• Cost: $50–$150/month (income-based)

• Covers doctors, specialists, hospitals, and medications

CAJA is extremely affordable and widely used.

B. Private Healthcare

Costa Rica has modern private hospitals with:

• English-speaking doctors

• Short wait times

• High standards

Costs:

• Specialist visit: $50–$100

• Private insurance: $100–$250/month

2. Should You Cancel Medicare?

Most retirees keep Medicare because:

• If you return to the U.S., you want coverage

• Canceling Medicare Part B means penalties if you ever re-enroll

Best strategy:

• Keep Medicare active

• Use CAJA + private insurance while in Costa Rica

3. Good Alternatives to Medicare Abroad

• International health insurance plans

• Local private insurance

• Travel insurance for part-time residents

Bottom Line

You cannot use Medicare in Costa Rica, but the country’s public and private healthcare systems are extremely affordable and high quality — making retirement here easy and safe.

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