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A Veteran is anyone who has served in the United States military or the National Guard. A retired Veteran served for an entire career, usually for 20 years or more. Registering with the VA or Tricare could make you eligible for medical care in Panama. Learn how to register below and see additional information about hospitals where you can get care in Panama.
In Panama, retired and non-retired veterans honorably discharged with a VA-awarded disability of 0% to 100% are covered under the VA Foreign Medical Program (FMP). These Veterans are eligible for VA-FMP-covered medical care and medication prescriptions in Panama at certain locations. The veteran must register with VA-FMP.
Are you thinking about moving to Panama? Check out our guide to living in Panama and learn more about our relocation tours.
If you do not have a VA ID, visit a VA hospital or clinic whenever you travel back to the US with a copy of your DD214 to request a VA ID. NOTE: The VA ID is not required for medical services overseas. You will only need your VA-FMP benefit letter listing your awarded disabilities. VA-FMP covers medical services and medications overseas for VA-awarded disabilities.
NOTE: If you DO NOT have VA-awarded disabilities, you WILL NOT have VA medical coverage overseas.
Spouses, dependent children, widows, and widowers of non-retired veterans who have been declared to be 100% total and permanently (T&P) disabled by the VA, are also eligible for medical services and medications under the Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA).
The 100% T&P non-retired veteran and his dependents are also authorized DOD ID Cards for entry into military installations. They will have access to commissaries, PX/BX, and MWR in some countries, although they are unavailable in Panama.
Dependents of retired and non-retired 100% T&P veterans are entitled to Chapter 35, Dependents Educational Assistance (DEA), to be used towards a degree in VA-certified colleges and universities.
TRICARE Select, TRICARE for Life, and CHAMPVA beneficiaries have a 25% co-pay for medical services and medications.
MEDICARE
For retired veterans and their spouses, ensure you sign up for MEDICARE Part-B prior to your 65th birthday. If you don’t have Medicare Part-B, you will be dropped out of TRICARE and not be medically insured. Manage this most important life event very carefully and don’t miss it. Permanent penalties apply if you register in MEDICARE Part-B after age 65.
Medicare Part-B is Mandatory by Law to continue TRICARE coverage, even if it does not provide coverage outside of the US.
You can convert to a Medicare Advantage plan. If you have certain Medicare Advantage plans, they cover medical emergencies or urgent care in Panama without the need to prepay. It’s importan to have the “right” Medicare Advantage plan.
Learn more about Medicare Advantage HERE
To keep TRICARE coverage, when military retirees and their spouses turn age 65, they must enroll in Medicare Part-B and pay the standard Part-B monthly premium.
https://www.tricare.mil/LifeEvents/Medicare/Retiree_and_Family
https://www.tricare.mil/Plans/HealthPlans/TFL/TFL_O.aspx
Public Law 106-398, October 30, 2000, mandates Medicare Part-B enrollment if you wish to remain eligible for TRICARE for Life (TFL) at age 65 and beyond.
Apply for Medicare Part-B before your 65th birthday to avoid a break in TRICARE for Life coverage.
By taking a few simple steps, you can make sure you have your TRICARE benefits at age 65 and beyond.
Four months before your 65th birthday, you should receive a postcard from the Defense Manpower Data Center (DMDC), the office that supports the Defense Enrollment Eligibility Reporting System (DEERS), with information about keeping TRICARE coverage at age 65 and beyond.
If you do not receive a postcard from DMDC, call them at (800) 538-9552.
You must have Medicare Part A and Medicare Part B to be eligible for TRICARE For Life, even if you live overseas and Medicare does not provide coverage.
TRICARE For Life is the Medicare wrap-around coverage for TRICARE beneficiaries entitled to Medicare Part A and have Medicare Part B regardless of where they live.
The Medicare initial enrollment period is seven months. If you miss your initial enrollment period, your next chance to sign up for Medicare Part B is during the general enrollment period, Jan. 1 – March 31. Your coverage will begin July 1st, and your monthly premium for Part B may go up 10 percent for each 12-month period that you could have had Part B but didn’t sign up for. Also, there will be a lapse in your TRICARE coverage until Part B is effective.
** Another way to enroll:
If you are a military retiree over 65 and already receiving SS retirement benefits, please enroll by completing Form CMS-40B.
– If you are a retiree, age 65, and have not applied for SS retirement benefits yet, please enroll in Medicare Part-B by completing Form CMS-40B or online at https://www.ssa.gov/benefits/medicare
– If you are a spouse or survivor of a retiree, aged 65, please enroll in Medicare Part-B by completing Form CMS-40B
https://www.cms.gov/Medicare/CMS-Forms/CMS-Forms/Downloads/CMS40B-E.pdf
– You can also apply for Medicare Part-B using your online Social Security account
Important: If you are applying for Medicare Part-B and have not applied for SS retirement benefits, the Social Security Administration (SSA) will contact you for further information. Provide a valid phone number and area code where you can be contacted.
REMEMBER: If you are enrolling in Medicare Part-B to keep your TRICARE for Life benefits, you must answer “YES” when the Social Security representative asks if you want to enroll in Medicare Part-B.
**For survivors (widow/widower), on Form CMS-40B, include the following in “Remarks”:
1) Your Deceased spouse’s Name and Social Security Number (SSN) if you do not have your own SSN
2) The word “TRICARE”
3) Indicate if you are receiving benefits from the Department of Veterans Affairs (VA). Write “VA Survivors Pension”
4) Write “Interpreter” and the language you require if you need translation assistance for the follow-up telephone interview
HOSPITAL CARE
Several hospitals throughout Panama offer services to Veterans with direct billing to the VA, Tricare, ChampVA, and Medicare Advantage. The Online Panama Relocation Guide details which hospitals offer direct billing and is updated often.
VETERAN MEETINGS
There are thousands of Veterans living in Panama.
The American Legion in Coronado sponsors monthly Veteran meetings. If you cannot attend in person, you can attend virtually. Join the American Legion Facebook page to stay updated on Veteran news.
IMPORTANT NOTE:
MEDICARE cannot be used in Panama. Veterans cannot cancel MEDICARE Part-B at any time or you will be dropped out of TRICARE and not be insured.
In the United States, all veterans, service-connected or not, are entitled to 100% care at any VA hospital.
Overseas, veterans can only receive medical care and medications for service-connected disabilities rated at 0% to 100%. The VA ID must state “Service Connected” under the picture, and the veteran must be registered in FMP.
I know it sounds complicated. Know that the Veteran Servicer officer at the American Legion can help.
Enjoy tropical Panama with the thousands of veterans and other expats who have made Panama their retirement home.
Do you know when the annual health alliance meeting
is in Panama?
HI Joe
I don’t know when the meeting is but I will find out and let you know.
Jackie I am a 76 year old 60% service connected vet. My 73 year old wife and I are looking to move to Panama. we have approx . $3500. per month from SSI and Svc connected disability monthly. We are selling our paid off home for about 225,000.00 asap. do you have any suggestions for us. I am planning to come for a few weeks to check out Panama and could use suggestions. I dont intend to attend any of those expensive International Living Seminars as several friends say it is just a money scheme. thank you in advance for any help you may be able to offer, and told you have useful tours.
HI Joseph
You and your wife will qualify for the Pensionado Visa. First you should decide what kind of weather you prefer (city life, beach life, mountain life), then you might consider taking a Private Tour of the areas you are most interested in. They are only $250 a stay and you’ll learn a LOT about the pros and cons of the area. See details at https://panamarelocationtours.com/private-tours
Annual Veteran’s meeting can be in October, November or December. Month and date is always announced one month prior by HealthAlliance Panama. Veterans, affiliated to HealthAlliance, are notified via email.
Thank You
If my retired Air Force husband die and I want to go back to my country can I use my Air Force health insurance there?
HI Rosa
There are no VA hospitals in Panama. Some hospitals in Panama accept Tricare, CHAMPVA or FMP for Veterans
I’m new to Panama city Panama and would like information on veterans representative locations in or near Chame area if any. Or will I have to travel to Panama city to obtain the most important information that I will need.
This link has answers to your questions:
https://mebvepa.000webhostapp.com/
Also your attorney in panama for any legal problem he is a retired sf medic
Hello, my family lives in Panama and I have contacted two VSOs regarding two different circumstances and would like to know an approximate time of reply. Thank you very much!
Hello I’m sorry the VSO officers have not contacted you. Perhaps they are on vacation. Usually JR is the most responsive – you can reach him at [email protected]
Are there any special programs for retired law enforcement individuals from the US? Thank you!
Cheryl
HI Cheryl, There are no special programs for US law enforcement in Panama. If you are retired, you can take advantage of the Pensionado discounts for medical, airlines, restaurants, etc.
good afternoon. I keep trying to contact healtalliance via their web site but it does NOT work. Just trying to get more info before actually moving there this fall, we have already completed our pensionado visas. Really just looking for VA/ Tricare info. Thanks
HI Chuck, I suggest you contact one of the Veteran Service Officers listed in the article. They can answer your questions about VA benefits in Panama. JR at We Care Pharmacy in David is a good place to start.
I have been in Panama for 12 years, am 50% service connected, had no idea this group/chapter existed. Can someone please provide me with a updated email or number to call. I am trying to see how I can get coverage in Panama for an injury I have. Thanks in advance.
Timothy
HI Timothy
There are some contact emails and phone numbers in this article =- suggest you contact JR at the We Care Pharmacy in David — he has the latest information.
https://panamarelocationtours.com/veterans-medical-benefits-in-panama
Where are you located? There are also weekly veteran meetings in some towns.
What is the difference between non service connected and service connected?
Israel, a service connected injury is an injury that happens when you are in the service (military) versus injuries that happen when you are not in the military.
I am a 100% disabled veteran looking to relocate as an ex pat to Panama, Costa Rica,Colombia in the near future and wondering if I would be covered in the other two above countries.
I’m only familiar with the rules in Panama. I would assume that you’d be covered in the other countries but you should contact a VSO (Veterans Service Officer) listed in the article to confirm.
Retired Military, still working age, considering a move with my wife to panama. I have a handfull of meds to take, how do i get those transfered to a doctor, pharmacy, or hospital there in Panama and still have tricare pay for them. Also would find a primary care doctor there to manage my care? If so where can i find a list of them? Lastly is Brisas the better hospital that takes tricare or do others such as punta pacifica and do they have a wide variety of specialists on their staff?
HI Ron
Several other hospitals in Panama will file for Tricare. I suggest you contact a VSO ( Veteran Service Officer) for more details about hospitals and medications. The VSO’s are listed in the article about Veteran Medical Benefits.
I am moving too boquete in febuary and I am a veteran with 80% disability where is closet for medical care is it david
Medical care is readily available in Boquete. The small public hospital is $2 for a doctor visit or you can go to the doctor’s office for $12. I believe you can take advantage of your VA benefits at Mae Lewis hospital in David – but often it is not worth the drive when medical care is so affordable in Boquete.
The Boquete Veteran Outreach (BVO on Facebook) meets the third Wednesday of the month at restaurant Sabroson#4 on via Boquete (Rt 41) in Alto Boquete
This is really good info. My wife and are planning a move to Panama in about a year, and, as a veteran, this is very helpful. Thanks again.
I use an electric oversized wheel chair ,want to relocated there , disabeled veteran need info on n how to get around and accessibility there,im alone in life..Jessie
HI Jessie
Unfortunately, Panama is not very handicap-friendly. There are no services to get you around in your electric wheelchair. Many places in Panama are not accessible with an electric wheelchair.
for jackie lange…….did your father serve in the marine corps?
my Dad was in the Army and Air Force
Good evening is there any Veteran oriented medical insurance plan with monthly payments that can help while living in Panama. I know VA will not cover non-service-connected injuries overseas. We have tried the big medical insurance plans for example Cigna, Geo blue, and others. Most will not even accept you in because of the injuries most veterans have. If you could please help me with this answer I would greatly appreciate it.
Hello Robert
See these Panama health insurance options
https://panamarelocationtours.com/health-insurance-options-in-panama
I am a veteran 70% disabled and my wife is from Panamá city. We are looking to relocate to Panamá. What are the requirements to move. Can I continue my claims while I am living here?
Hello Alfredo. For you to move to Panama, you’ll need to get a visa. The fastest and easiest visa is the Pensionado Visa. Learn about it at https://panamarelocationtours.com/demystifying-the-panama-residency-visa-process
our Complete Panama Relocation Guide has more details and a list of reliable immigration lawyers. https://panamarelocationtours.com/guide
You should also see this article about Veteran medical benefits in Panama — https://panamarelocationtours.com/veterans-medical-benefits-in-panama
I am a disabled veteran and my disability is P.T.S.D. So, if I understand correctly, I am covered for that, but if I get the flu or break a leg, I am not covered as a disabled vet and will have to pay out of pocket for anything not listed on my disability. Is that right?
Thank you so much for your help.
Sincerely,
Russell Wilfong
Hello
You are correct that you could be covered for disability-related illnesses but not covered for other medical costs in Panama. If you also have certain Medicare Advantage plan, it covers urgent care and emergencies in Panama (like breaking your leg, heart attack, etc)
If I move to stay in Panama with a pensionado visa, I still continue to receive social security from the US? Also, If Im retired with 100% disability, where will my monthly funds will be deposited when I arrive?
Hello Samuel. If you move to Panama, you will still get your Social Security and military disability payment. You can either continue to have it go into an bank in the US or you can have it deposited into a bank in Panama.
HELLO JACKIE, I AM A 20 YR AIRFORCE RETIRED VETERAN WITH A DISABILITY RATING OF 40%, ME & THE WIFE HAVE SOLD OUR HOME & BUISNESSES — WHAT TOUR YOU PREFER–?? WE ARE INTERESTED IN A SMALL BEACH HOME OR SETTING – 3 MONTHS RENT OR 6 MONTHS – WHATEVER THE MINIMUM – WE WANT TO BE CLOSE TO HOSPITAL BRASIS TO UTILIZE ALL OF OUR MEDICAL BENEFITS – NOT RIGHT IN CITY – COULD YOU GIVE US A FEW SUGGESTIONS???????
Thank you for your service. Check out Gorgona, Coronado, San Carlos, and Rio Hato
I have a couple of questions:
1. I am 100% t/p. Is my wife eligible for FMP. Her ID says spouse of 100% veteran
2. Also I never paid into Social Security. My wife is over 65. What benefit does she qualify for?
HI Harold
If you or your wife never paid into Social Security, you would not have any Social Security benefits.
Your wife would be eligible for FMP… but understand that only a few hospitals in Panama handle FMP or VA benefits.
I am a 10 pt Vet, retired after 20 years of service in USMC and USN. Both my wife and I have Medicare Parts A&B and TFL. My VA coverage here at the VA Hospital acts as my Primary Doctor, but they only see me. If we move to Panama, and as we are both covered under TFL, would she and I be able to utilize any VA type medical centers?
HI Timothy, That’s a good question for a VSO (Veteran Service Officer) see http://www.VSOOverseas.com click on VSO
I am a 24-year retired US military veteran with 50% service-connected disability living in Veraguas, but my question is unrelated to my service. What places anywhere in Panama can you refer me to for buying used books, preferably at cheap prices? I like to buy used Bibles in either Spanish or English language to give away to locals who don’t have a Bible. Also interested in books about history, politics, foraging, hobbies and topics of general interest. I haven’t found any used book stores in Panama in my 18 months of living here. Can you help? Thank you for all you do helping visitors and new residents in Panama.
Hello Arthur
The Handicap Foundation has a huge selection of English books available for sale at super affordable prices ( 50 cents to $1 a book). They are in Alto Boquete.
What are the best places to live in the mountains? I’ve researched Boquete/El Valle de Anton & I’m blown away by there natural beauty. Secondly, what does the private tours include? Thanks, in advance. Your videos/emails are a wealth of information.
For cooler weather, Boquete and Volcan are the two most popular mountain towns. El Valle de Anton is at a lower elevation so you may need air conditioning. We offer Private Tours of Boquete, Volcan and El Valle de Anton. See private tour details at https://panamarelocationtours.com/private-tours
Hi Jackie, I am service connected100% TD with a 90% disability rating do to depression. I am considering relocate to Panama in the near future. I would like to explore a near beach relocation with VA covered medical facilities. My wife is CHAMPS eligible. Could you send me links of the agencies, people that I need to take to achieve my dream relocation.
Hello Abraham. There are no VA clinics in Panama. But there are clinics that service veterans. See https://hcaglobal.com/en/
Hi Jackie,
I am a veteran with 90% Va disability rating for conditions/injuries that will never resolve/are lifelong conditions now. At 90% disability, I get twice the $1000 monthly income stipulated as a requirement for the Pensionado Visa. I am curious to know if disability compensation income (of more than $1000 monthly) is counted among the acceptable sources of income for the Pensionado Visa? I have tried looking online for this information, but I keep getting directed to the same websites with generic statements that include a few acceptable income sources, and then stop short of providing a comprehensive list of acceptable income sources with “and other income sources may qualify as well”.
If you do not know, I would greatly appreciate if there were any members here that might be able to clarify if they ahve had success or not with using their disability compensation (of $1000 or more, monthly) as their only source of monthly income to meet the Pensionado Visa requirements?
Hello Caton. Yes! Your military disability payments will definitely qualify you for a pensionado visa. Thanks for your service.
I am borderline diabetic, surviving spouse of 100t+p will this possible future need of insulin cause me any problem relocating to Panama??
Scotty, that would be a good question for the Veteran Service Officer at https://www.facebook.com/groups/197756807958112
Ms. Lange:
Do you know whether or not Hospital Chiriqui accepts Foreign Medical Program Insurance?
Robert, yes Hospital Chiriqui accepts FMP for service connected disabilities
Thanks very much. I am qualified to use FMP in Chiriqui.
MRS LANGE; IAM A RETIRED US NAVY WITH 100 PERCENT DISSABILITY I HAVE MEDICARE AND TRICARE AND A FMP FROM THE VA. I WANT TO RETIRED IN PANAMA.WHAT DO YOU RECOMEND I SHOULD DO TO RELOCATE.
Hello Felix
Thanks for your interest in Panama. Several hospitals and clinics in Panama offer direct billing for veteran benefits. In Panama City, go to Hospital Nacional, San Fernando Hospital or MiniMed Clinics and Hospital.
In far western Panama, in David, go to Hospital Chiriqui or Hospital Mae Lewis