Aloha Val,
Welcome aboard, this is an awesome site so much information. Don't know how much this will help, but I'm living here in Okinawa, Japan. I'm still working for the US Govt. so I'm covered by health insurance. But I also plan on retiring here as I've purchase a home. What I've found out is that here in Japan, as soon as I get my alien card, and Japanese medical insurance card I will recieve my dialysis treatments at almost no cost, plus I should be able to get on their transplant list. I receive Baxter supplies and I'm using the cycler. Good luck with your retiremnent in Panama.