Community Posts
In individual health insurance plans, each policyholder and their dependents have their policy and coverage tailored to their specific needs. Premiums and coverage are determined based on individual factors such as age and deductibles. Consequently, premiums can vary widely.
On the other hand, collective or group insurance plans are often provided by employers and organizations. These insurance plans cover a group of individuals under a single policy. Premiums and coverage are based on the overall risk profile of the group, leading to lower costs per individual. The risk-sharing nature of these plans can result in more stable premiums for all members, with healthier individuals subsidizing costs for those with higher medical needs.
For instance, while creating a collective insurance plan for a community of people aged 50 to 85, this demographic is more likely to require healthcare services due to age-related conditions and chronic illnesses. It could cause a higher healthcare utilization rate among its members, leading to greater claim volume and associated costs. This adverse selection could also lead to a disproportionate number of high-cost claims, impacting all members with potentially increased premiums.
Let’s set a premium of $65 per person which aims to maintain affordability, it may not accurately reflect the true cost of coverage, especially for older individual rates. Also, there’s a risk of losing benefits if the collective plan needs to migrate to another insurance company. This is particularly relevant due to two-year waiting period for coverage of pre-existing condition. If the plan switches companies, members may lose the benefits accrued during this waiting period, potentially leaving them exposed to significant healthcare costs.
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The High Tea on May 28th at Kolo at 3:00 pm will have scrumptious ‘tea’ sandwiches and canapes and desserts included in your $20.00 ticket with, of course, tea, but you can also enjoy a champagne cocktail for only $5.15 (that includes the 15% IVA that is now imposed on all of us). The IVA is also included in the cost of beer ($2.50) and wine ($5.15).
The big update is that we have only limited space so make your reservations soon. We sure would hate to turn anyone down because we are full! RSVP us at the email address listed.
Contact information:
Working with our own mind is the only way to start feeling happy and satisfied with the world we live in. ~Pema Chödrön
The Shambhala Meditation Group of Cuenca is happy to invite you to our regular programming. We follow local health guidelines.
GROUP MEDITATION in English and Spanish
Every Sunday from 10:30 – 12:00.
For orientation, you’re invited to come at 10:00.
The program includes seated meditation, walking meditation, and text recitations from our tradition.
BOOK STUDY GROUP, on a title related to Buddhism and mindfulness, meets Every Tuesday from 3:30 – 5:00. Online via Zoom – send us an e.mail to receive the links.
Our programs are always free – and your donations are also much appreciated.
ADDRESS.
Calle Larga 11-43 & Miguel Ullauri, upstairs one flight, Across from Mercado 10 de Agosto, Cuenca.
CONTACT.
For more information, contact on the email shown, or WhatsApp or SMS, +593 98 2848203
ABOUT SHAMBHALA.
Shambhala takes its name from a legendary kingdom famous for being an enlightened society. Today, the global Shambhala network brings together people of all ages and from all walks of life who are interested in exploring our own minds, transforming our experience, and awakening our potential for enlightened society. Shambhala practice has its foundations in Tibetan and Mahayana Buddhism.
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Brand spanking new King LL Bean Maine Made cotton blanket. Beautiful, breathable 100% corded cotton, perfect by itself on warmer nights and/or for layering on cooler ones. White, so it’ll go with whatever else is on your bed.
If you’ve not tried LL Bean linens, you’re in for a treat. It’s amazing how useful and lovely these deceptively simple blankets are. Made to last your lifetime + whoever you leave it to’s.
Brought in two, but no longer have King bed. It’s way too nice to cut down to a Queen (I think). New, they sell on the site and in the store for $175. I’ll let this one go for $100 and be happy to have some extra room in my linen closet.
WhatsApp text after 10 a.m., please.
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Well-appointed suites for rent. Looking for a completely endowed suite in a prime and safe location? Look no more. Located on Calle Larga, a convenient location with access to all El Centro has to offer. Close to shopping, parks, and activities these suites have it all: fully furnished with a bedroom, kitchenette, large bath, and everything you need. Quiet and safe with an attentive and knowledgeable landlord (who speaks excellent English). Just bring your clothes and personal items and move right in. Ready now so don’t delay – if you are new to Cuenca this is a great launch pad. If you are downsizing and want comfort and convenience this is for you. Contact Orlando Ortiz at 098 824 6499 (WhatsApp +593 98 824 6499)
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Confiamed, founded in Ecuador in 2009, stands out for its prompt payments, agility in reimbursements, and highly trained human capital. Through Bluebox advisors, Confiamed strengthens alliances, offering additional benefits like a unique dental plan for affiliates. Contracting with Confiamed brings exclusive advantages such as extensive provider networks, travel coverage, telemedicine, and timely reimbursements, facilitated by a user-friendly settlement portal.
Confiamed offers diverse insurance types with varying coverage amounts, deductibles, and monthly costs. The major medical expenses plan, combinable with a low-layer policy, provides comprehensive coverage starting at $39.20 per month. These plans cover nationwide clinics and soon extend to Colombia, offering benefits like 100% deductible coverage within the network.
In addition to coverage details, a comprehensive table outlines Confiamed’s network and general benefits, including the exclusive “BLUEBOX DENTAL CARE” plan. While basic dental coverage is available on the official website, the plan designed for Bluebox affiliates is more extensive. Interested parties can request a complete quote to understand the product fully.
Confiamed aims to provide superior benefits compared to other insurers, with prompt reimbursements and minimal fee deductions. While not all procedures or medications are covered, exclusions are typical and regulated by the country’s laws. Confiamed prioritizes comprehensive coverage at regulated costs, promising responsiveness to affiliates’ needs.
https://blueboxinsurance.com/benefits-of-contracting-a-policy-with-confiamed/
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Buenos dias, I am looking to share or rent a small, secure woodworking space, preferably one with a tablesaw, for one month. I make 3D (chamfered) chessboards, normal on the other side. 20% of my collections are donated to charity (Hogar Tadeo Torres Orphanage, Mujeres con Exito).
I am unable to use my tablesaw in my apartment due to wood dust.
Thank you in advance for your help.
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Expats frequently ask about Dental Veneers, regularly stating that they’re interested in receiving them, though usually don’t ask about the other like kind option of Dental Crowns.
Most definitely, at FHIE Dental Clinic (Home of “Dr No. Pain”), we serve very many Expat patients for Dental Veneers and naturally are quite glad to do so upon their request. It might come as a surprise though to many Expats that often, Dental Crowns can be a better fit (both literally and figuratively), because of the fact that Dental Veneers are most recommendable for persons with teeth in good condition who just have some spatial gaps, whereas Dental Crowns are most recommendable for persons whose teeth aren’t in such good condition overall, comparatively speaking.
Call, email or WhatsApp to schedule your own 100% FREE ($0.00) Dental Veneers vs. Dental Crowns consultation with “Dr. No Pain”, so as to determine which one is a better fit for you and your particular dentition.
Simply call or send your message (by Phone/WhatsApp) to +593 98 392 9606 OR by email to info@findhealthinecuador.com to schedule your above referenced 100% FREE ($0.00) consultation with “Dr. No Pain” by today!
WhatsApp Adam 24/7/365!: +593 98 392 9606
Email Address: info@findhealthinecuador.com
Phones: 098-392-9606 / 07-410-8745 (Ecuador) OR 1-941-227-0114 (USA)
Physical Address: Edificio Medimagen (Second Floor), Av. Pumapungo & Av. Paseo de los Cañaris, Cuenca, Ecuador 010105
Websites: www.findhealthinecuador.com AND www.dentaltourismecuador.com
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If you have completed or are about to complete 21 months with the Temporary Visa, you are now eligible to apply for the permanent residence visa, one of the most important requirements is:
Not having left Ecuador for more than 90 days during the 21-month period of your Temporary Visa, these 90 days may have been used continuously or discontinuously.
For more information contact:
DR. LINA ULLOA
uz.asesoresecuador@gmail.com
uz.servicios@gmail.com
UZ Asesores Ecuador
Ecuador Cía. Ltda.
Ave. José Peralta 1-119 and Ave. 12 de Abril – Acrópolis Building – Office #312
410 3588
www.facebook.com/UZasesor/es – UZ Asesores Ecuador CIA. LTDA.
Contact information:
If you are filing for a Temporary/Permanent visa, I offer a 100% money back guarantee. That’s right. If I don’t get you your visa, you pay nothing. My name is Isabel Mosquera. I am an Ecuadorian, who studied and lived in Canada for many years. I have been a Visa Facilitator for over 7 years and have assisted more than two hundred and fifty Expats in obtaining their Visas, Temporary and Permanent, Cedulas, Translations, Health Insurance, housing and much more. These services are available as one fee package or individually. I own a car, so transportation is always included at no extra charge. I have always gotten my clients their Visas, even under the most difficult of circumstances, such as unreadable fingerprints for FBI reports. Have you moved to Ecuador without the required documents? Don’t worry, I can help. I offer free consultations, either by telephone, email or in person. I am at the Immigration office on a very regular basis, so I am knowledgeable about all recent changes in the law and am happy to share my knowledge with you. I will be happy to provide you with references.
I look forward to serving you.
Isabel Mosquera
0999603663
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This 38+ acre Cumbe rural valley property boasts a stunning 1,762 sq. ft custom home, with horse stables and natural beauty, in one of Ecuador’s most picturesque settings, This home offers tranquility and privacy.
Imagine living sustainably amidst breathtaking surroundings with trees and flowering shrubs. Breathe in the crisp, fresh air, savor clean water, and explore the fragrant Eucalyptus tree forests right on your own land.
The property features:
5-stall horse barn with plumbing for a bathroom and storage – ideal for horse lovers or equine training.
1 shelter in the pasture.
2 outbuildings for additional storage.
Concrete water tanks to ensure a reliable water supply.
Fenced for security.
Carport for convenience.
Potable (city) water and a deeded well.
A serene pond.
Irrigation rights for agricultural pursuits.
The beautiful custom home features arched windows and special details, meticulously remodeled in 2015 to meet North American standards. It boasts 2 elegant bedrooms and 2 full baths. During the initial renovation, a new asphalt double tile roof was installed, along with upgraded plumbing and electrical systems.
Inside, you’ll find a cozy fireplace with an insert in the living room. The closets feature built-in drawers, and the space is adorned with handmade chandeliers. Additionally, there’s a comfortable sitting room and high-end finishes throughout, and a spacious sunroom and outdoor kitchen. Further enhancements include a new septic tank, and a 500-liter water tank.
Contact us for more info, pics and/or link to the 360 walk-thru.
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Myers Cocktail is perfect for alleviating chronic symptoms like inflammation, low calcium levels, fatigue, anxiety, and stress and restoring mind, body, and soul balance.
Benefits:
Hydration
It helps boost gut health
Improves adrenal fatigue
Alleviates stress
Restores balance in the body
Muscle relaxation
Increased energy levels and metabolism support
When to Drip:
Post-illness for recovery
Chronic Inflammatory bowel disease
Malnutrition
Fibromyalgia disorder
Lyme disease
Athletic performance recovery
Chronic fatigue
Surgery recovery
Hormonal imbalances
Liver Cleanses
Energy Boosts
This vitamin cocktail brings nutrient-rich hydration to your bloodstream and revives your body.
Book your appointment today.
Contact information:
Country living near Cuenca.
To take the 360 walk-through virtual tour, see photos or for more info, please email.
🔅In the hills near Cuenca, the house is in a safe, quiet area and is the last house on a dead-end road. The property and buildings enjoy stunning mountain and Cuenca views. The neighbors have large acreages and permit residents to hike or horseback ride. The soil is fertile. There are no tick-borne illnesses, snakes, mosquitoes or fleas at this altitude. Cable internet is available. Road access is excellent.
🔅Total construction on the property is 302.13mt2 / 3,252 sf, as follows:
🔅Main House: 191.57 mt2 / 2,062 sf
Shop/additional living quarters: 30.56 mt2 / 329 sf
🔅Casita/guest house: 80 mt2 / 861 sf
🔅Main house is two-story, unfurnished. The main floor has living room, dining room, social bath, kitchen, master bedroom, large bathroom, and second bedroom. The master bedroom has a large walk-in closet. The upstairs is currently used as an office/library, could be used as a 3rd bedroom/guest room, craft/sewing room/studio. The kitchen includes a refrigerator, gas range, dishwasher. There are two fireplaces.
🔅The unfurnished casita/guest house is single story and includes kitchen appliances, two fireplaces, two bedrooms, one bathroom. The casita has a tenant with monthly rent of $400.
🔅There is an additional building which is used as a laundry room and shop, or finished for living quarters.
🔅There is room for expansion.
🔅Land is 1.2 hectares/3 acres. Approximately 50% of that is grass land, 50% cloud forest.
Contact information:
Gran Colombia Suites is offering 10% in your stay.
This beautiful colonial style located in the heart of Cuenca, Ecuador, in the historic city center. that allows you to be within walking distance to many of the city’s top attractions like.
We offer modern suites where you can enjoy all the comforts of home in a relaxing and peaceful environment. Our long-stay suites are perfect for travelers who want to stay in the city for an extended period of time, whether for work, study or leisure.
Gran Colombia Suites is located in the historic center of Cuenca, you can easily explore the city on foot, or use the public transportation which is easily accessible from our property. You are within walking distance to many important locations and attractions of our wonderful city such us museums, churches, mercados, parks, restaurants and shops.
Our suites are designed to provide a comfortable and spacious living environment, with all the necessary amenities for a long-term stay. Each suite comes with a fully equipped kitchen, a private bathroom, a comfortable bed, a flat-screen TV, and high-speed internet and a 24-hour front desk to assist you with any needs or questions that you may have, among other services.
We offer a range of services to make your stay even more comfortable, including laundry facilities, tour bookings, and airport shuttle services. We can also arrange for a private driver, if you need to go anywhere outside of the city.
Minimum of stay, 7 days.
Contact information:
My name is Marco León and I work in the investment area of the Cooperativa de Ahorro y Credito 23 de Julio Ltda. I can help you with information and services related to accounts, investments, certificates of deposit, ATM cards, online banking, etc. Our cooperative has been in the market for 59 years and is one of the largest Cooperatives in Ecuador.
If you live in another city, don’t worry, I can help you from the city of Cuenca because we have 26 offices throughout our country, and I can send the documentation or visit you in the place that you want.
• CD with the 10,25% in interés rate.
• Our Risk rating is AA- which shows our excellent financial indicators of a safe and strong cooperative, and we are also segment 1.
• Now we have our new service of receiving money by direct international transfer to our cooperative
• We have paper CD and electronic CD, you can choose
• CD to get an Ecuadorian VISA
• Online Banking (you can see your account statements from anywhere)
• Debit card for ATM “Mastercard”
• The interest of the CD can be deposited monthly in the account that you want, including in other cooperatives or Banks.
Marco León
The Best Investment Advisor of Gringo Post 2024
Email: mleon@coop23dejulio.fin.ec
Cel Whatsapp +59399 2913161
Address: Cuenca City, Av. Gonzalez Suarez and Calle 13 de Abril sector Totoracocha, Cuenca, Ecuador
Contact information:
Welcome to Gran Colombia Suites, the first medium and long stay property in Cuenca.
This beautiful colonial style building is located in the heart of Cuenca in the historic city center.
Our long-stay suites are perfect for travelers who want to stay in the city for an extended period of time, whether for work, study or leisure.
Staying at Gran Colombia Suites you can easily explore the city on foot, or use the public transportation which is easily accessible from our property. You will be within walking distance to many of the city’s top attractions and important locations such us museums, churches and the main cathedrals, mercados, parks, restaurants, shops and historic plazas.
Our suites are designed to provide a comfortable and spacious living environment, with all the necessary amenities for a long-term stay. Each suite comes with a fully equipped kitchen, a private bathroom, a comfortable bed, a flat-screen TV, and high-speed internet and a 24-hour front desk to assist you with any needs or questions that you may have, among other services.
We offer a range of services to make your stay even more comfortable, including laundry facilities, tour bookings, and airport shuttle services. We can also arrange for a private driver, if you need to go anywhere outside of the city.
We are offering 10% discount on your booking if you do it through our website www.grancolombiasuites.com or our email info@grancolombiasuites.com.
Contact information:
Join us this Sunday as we welcome back Pastor Phil and Rebecca and celebrate our journey in God toward our heavenly home. You will be inspired by the love we share; our prayers; Bible study and the Special music provided my Wes Elliott.
Pastor Kennemer will share “Three Lessons Learned on our Journey”.
Make this the Sunday you come home to God.
See you then.
Contact information:
Corozones de Oro (Hearts of Gold) is holding another fun event – High Tea on May 28th at 3:00 pm.
Come chat with your friends, or meet new friends, with lots of yummy food (if your plate gets emptied, our volunteer ‘waitresses’ will fill it up again!) and, of course, tea for only $20.00. We will also have a bartender available for those who would like a glass of wine or beer. All drink proceeds go to the wonderful Kolo restaurant that is providing free space for this event.
For those of you who are not familiar with what we do, for 10 years we have promoted the skills and capacities of women, children, teenagers and individuals in vulnerable situations, and not for profit organizations through empowerment and continuous training, ensuring their integral development, promoting social inclusion and equal opportunities.
Our programs include the Change Makers, the D’Ellas, a social project that aims to empower women, Special Emergency Services, In the face of natural, environmental, social and health disasters and my favorite, All Children Deserve to Dream, focused on empowering children and teenagers, working on their self-esteem through art therapy, guiding them to choose a sustainable career, and fulfilling their dreams. See lots more about our organization at https://www.heartsofgoldfoundation.org
Please don’t forget to RSVP us by email to info@heartsofgoldfoundation.org or call our hard-working Executive Director, Maria Jose at 096-290-4928.
Contact information:
Foreigners who are irregular in Ecuador, either due to visa expiration or cancellation, have the option to regularize and apply for the corresponding visa by paying the $200 penalty, these regularizations will be available until April 8 in accordance with the regulations that were published on March 10, 2022.
For more information, contact Dra. Lina Ulloa at:
Email: uz.asesoresecuador@gmail.com,
Address: Av. Jose Peralta 1-19 and Av. 12 de Abril, Acropolis Building, 3rd Floor, office 312.
Telephone numbers: (07) 410-3588 or 098-420-5336
Contact information:
Dear clients and expat community
We are thrilled to announce that Cuenca Expat Insurance is dedicated to providing top-tier health insurance solutions tailored specifically for you. As broker, we understand the importance of partnering with financially stable companies to ensure the longevity and reliability of your insurance plans. That’s why we work closely with reputable insurers to offer INDIVIDUAL health insurance policies. What does this mean for you? It means each policyholder and their dependents receive personalized coverage designed to meet their unique needs.
We recognize that one size does not fit all when it comes to health insurance. That’s why we take into account individual factors such as age, deductibles, and medical history to determine the most suitable premiums and coverage options for you. With us, you can rest assured that your insurance plan will evolve with you over time, providing comprehensive coverage that adapts to your changing circumstances.
Our key partners in this endeavor is BMI, a leading insurance provider renowned for its commitment to excellence and customer satisfaction. For over 6 years, we have collaborated seamlessly with BMI to deliver outstanding results and unmatched service to our clients
We are committed to safeguarding your health and well-being. By choosing us, you are entrusting us with the important task of protecting your health, and we take that responsibility seriously. We will continue to go above and beyond to ensure you receive the highest quality of care and support.
Thank you for choosing Cuenca Expat Insurance.
Contact information:
Blue Box CP
