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Veterans in Panama

You served. Panama is ready for you.

Thousands of U.S. veterans have made Panama home. Your VA and military income keeps paying here, it can qualify you for permanent residency, and residency brings discounts on everyday life. We connect you with the attorneys, doctors, clinics and banks who know how to work with veterans, and we stay with you through the move.

  • VA disability and military pay continue in Panama
  • Permanent residency from day one
  • Pain care and regenerative medicine through our partners

What is available to you

What veterans come to us for

Most veterans ask us about the same six things. Choose the one that matters most to you and ask us about it.

Residency

A VA disability or military pension of $1,000 a month or more, paid for life, can qualify you for the Pensionado visa: permanent residency with no renewals. We introduce you to an immigration attorney who has done it for veterans.

Ask about this

Your benefits abroad

VA disability compensation, military retirement pay and Social Security keep paying while you live in Panama. Panama uses the U.S. dollar, so there is no exchange rate to manage.

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Pain and regenerative medicine

Chronic joint and back pain, old injuries, surgery you would rather avoid. Our partner clinic in Panama City offers stem cell treatment, and we connect you directly.

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PTSD and wellbeing

Regenerative programs for veterans with PTSD and TBI symptoms, English speaking therapists, and a community of people who understand. We help you find the right support.

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Healthcare and the VA

Private hospitals, doctors who work with the VA Foreign Medical Program, TRICARE for retirees, and private insurance for everything else.

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Retiree discounts

Residency as a pensioner brings discounts set by law on restaurants, hotels, entertainment, flights, medical bills and utilities.

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Every veteran's situation is different. We start with yours.

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Regenerative medicine

Feel better, through people we know.

Many veterans live with pain or injuries that years of standard treatment have not resolved. Panama is one of the leading places in the region for stem cell treatment, and we work directly with one of its most established clinics. It reaches you through us: we introduce you, we look for the best price for you, and we stay in touch from your first call to your follow up.

What veterans ask our partner clinic about

  • Chronic joint pain, cartilage wear and old injuries
  • Back and spine pain, as an option before surgery
  • PTSD and TBI symptoms, reviewed case by case by the clinic's doctors
  • Nerve related pain and neurological concerns
  • Recovery from sports and service injuries
  • Autoimmune conditions and healthy aging

Ask about regenerative medicine

About the clinic

01

Accredited and registered

The first stem cell center of its kind to earn AABB accreditation, with ISO certified cell manufacturing and FDA registration as a cell and tissue establishment.

02

Umbilical cord derived cells

Mesenchymal stem cells produced in the clinic's own laboratory under cGMP quality standards.

03

A hosted treatment week

Five days in Panama City, Monday to Friday, at a private center on the 48th floor of a Punta Pacífica tower. Former professional athletes have been treated there.

04

Medical review first

You share your health history, the clinic's doctors confirm whether you are a candidate, and they design your protocol. Follow up continues after you return home.

Treatment is decided by the clinic's own medical review and results vary from person to person. Stem cell treatments are not approved by the FDA for these conditions in the United States, and VA programs generally do not cover them.

Pensionado benefits

Discounts that come with residency

These are not veteran discounts. They come with Panama's pensioner status, and your VA or military pension is what gets you there. They are set by law and apply wherever you show your residency card.

  1. Restaurants

    25% at sit down restaurants and 15% at fast food chains.

  2. Hotels

    50% on weekdays and 30% on weekends.

  3. Entertainment

    50% on cinemas, concerts, theater and sports events.

  4. Flights

    25% on airline tickets from Panama.

  5. Medical

    Discounts on private hospital bills, doctors, dental care and prescriptions.

  6. Utilities

    25% on electricity, water and phone, up to set consumption limits.

  7. Moving

    A one time tax free import of household goods up to $10,000, and a car every two years.

Some businesses still need reminding. Ask for the discount before you pay. Exact rates are set by Law 6 of 1987 and its amendments.

Healthcare

How your care works in Panama

Panama City has private hospitals with U.S. trained doctors, and costs are a fraction of the U.S. Here is how veterans usually cover their care.

VA Foreign Medical Program

Covers care for your service connected conditions, at any rating. Many clinics ask you to pay first and claim it back, and some have stopped accepting the program. We introduce you to doctors who work with it and handle the paperwork.

TRICARE

Military retirees can use TRICARE Select Overseas or TRICARE For Life with approved providers in Panama.

Private insurance

For everything that is not service connected. Local plans cost far less than U.S. coverage, and we introduce you to brokers who compare them.

How it works

From first call to settled in

  1. Step 01

    Tell us your situation

    Your benefits, your health priorities, where you want to live and when.

  2. Step 02

    We map your options

    Residency path, healthcare, treatment and budget, in plain language.

  3. Step 03

    We introduce the right people

    Attorney, clinic, doctors, bank and real estate, all people we know and work with.

  4. Step 04

    We stay with you

    Through the move and after it, with a community of veterans who already live here.

Talk to us

Tell us what you need.

Leave your details and a member of our team will contact you personally. No cost and no obligation.

  • A personal reply, not an automated sequence
  • Introductions to people who work with veterans
  • The option that makes the most sense for you financially

Questions

What veterans ask us

Does my VA disability compensation continue if I live in Panama?

Yes. VA disability compensation, military retirement pay and Social Security continue when you live abroad. Most veterans keep a U.S. bank account for the deposits, and the VA plans to offer direct deposit to Panamanian banks.

Can my VA disability count for the Pensionado visa?

It can, when it is paid for life and meets the income requirement: $1,000 a month, or $750 a month if you also buy property worth $100,000 or more. Your VA award letter is the key document. The attorney we introduce you to reviews it before you apply.

Do I get discounts just for being a veteran?

No. The discounts come with pensioner residency, which your VA or military pension can qualify you for. Once you have it, they apply to you like any other pensioner.

Will the VA pay for stem cell treatment?

Generally not. The Foreign Medical Program covers care for service connected conditions that the VA would cover at home. This is why we work with our partner clinic to find you the best price.

Is there help for PTSD in Panama?

Yes. There are English speaking therapists, the Foreign Medical Program covers treatment for service connected PTSD, and our partner clinic reviews veterans with PTSD symptoms for its regenerative programs. If you are in crisis, contact the Veterans Crisis Line by chat at veteranscrisisline.net, from anywhere in the world.

Do I still file U.S. taxes?

Yes. U.S. citizens file wherever they live. Panama taxes only income earned in Panama, so pensions and benefits paid from the U.S. are generally not taxed here. Confirm your own case with a tax adviser.

Where do veterans live in Panama?

Panama City for hospitals and convenience, Coronado and the Pacific beaches for a slower pace, and Boquete and David in the Chiriquí highlands for a cooler climate.

I served in the Panama Canal Zone. Does that matter?

It may. Members of Congress have pushed for VA claims for herbicide exposure in the former Canal Zone. A veterans service officer can tell you where that stands for you.

Talk to us

Everything Panama is an introduction service. We are not affiliated with the U.S. Department of Veterans Affairs, the Department of Defense or TRICARE. Nothing on this page is medical, legal, tax or financial advice. Benefits, rates and requirements change, and the professionals we introduce you to confirm them for your situation.