GringoPost | Ecuador: Health Insurance dilemma

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Health Insurance dilemma

My husband is 72 years old and has a lifetime health plan thru his company and Medicare. He plans on keeping that. I am 64 years old and have an individual plan that I am paying out of pocket ($$$$) which I plan on canceling as soon as I can get coverage in Cuenca.

My questions are:

How long does it take after applying to be approved and in force?

Which one is recommended? IESS or private? My husband has some pre-existing conditions and I only have blood pressure/cholesterol. Is IESS for everyone or only for seniors?

And any other thoughts/ideas that I haven't asked is gratefully appreciated.

I thank all of you for your input in advance.