Mariposa wrote:Well, we both got E106 and they are about to run out so are going to have to get insurance. If we lived in Valencia or one or two other areas we would still be able to get free healthcare. It is a pity that we can't contribute something as early retirees to help with the costs, but the autonomo rate is not an option and is actually more expensive . I am really unhappy about paying privately as they don't really want older people and can cancel it at any time if you become ill according to the local agent -so there is no real alternative! We will try the basic one and will also see what happens when we return to the local doctor after the date of no return...and we'll see whether the computer says no when we give the card over. Generally, the story varies depending on who you talk to.
Mariposa - life isnt always greener in the Communidad de Valencia because they have now realised that they are being swamped with immigrants of all nationalities demanding free healthcare and are not handing out the SIPPS card to all and sundry anymore. As a conservative area it gets nothing from Madrid so is a big worry about building new hospitals etc.
Indeed my Spanish friends tell me that local Spanish phone- in radio stations are swamped with Spanish callers who are now having to go on a waiting list where before it was virtually walk in.
Also the UK phenomenon to dump a granny outside a hospital with a note saying look after this old person who doesnt know who she is and has no identification has just hit the TV screens here and Spanish people dont have that happy smiley face they used to have when they knew the English were buying here.
Not sure how old you are but if you are approaching 60 you should be eligible for E121 at 60 and have your husband as a dependent.
Alternately have just looked at
www.ASISA.es and premiums for age up to 59 are only 63 euros a month each or if you are super young one can pay autonomos of about 225 Euros per month and the other is a dependent and if you have 11 or more years before retirement you will also get a full but crappy Spanish pension. (I know law still says 14 but it is against EU law and will surely change within an 11 year time frame to 11 years).
Apologies if any errors but I have never been able to reconcile what I pay in taxes, nor advice given by our gestor(s) with anything available at any government office.
Oops just to make you feel a little nervous yes I too know of people who have been refused treatment because their cards have been canceled as they no longer are covered by their home country nor pay into the system.
I know of a cancer patient who was sent home because he forgot to take his E106 paperwork with him on the day he was going to have his brain tumor zapped.
I think you are doing the right thing by taking out the basic cover whilst you investigate all options open to you. Its a pity more do not follow your example.
Mike