Several items - you can call Belize from the US. You dial 011-501 and then the local 7-digit number.
If you find this to be too expensive to do as a direct-dial, you can sign up for Skype on your computer and use your computer to dial to a phone line. The cost is minimal and the set-up is very easy. I do a lot of international calling this way and find that it is literally pennies per minute.

R F & G does not sell medical insurance.

BUPA is one of the international medical insurance companies of choice for ex-pats here. I believe there are others, but I don't have details on them. BUPA can be found online. You can also buy BUPA through an agency in Florida. This agency is owned and operated by the Roe family. The Roe family also owns and operates R F & G in Belize; hence the mistaken impression that RF & G sells medical insurance. They don't although the lovely Joyce Perdomo in Belize City R F & G office is often helpful in providing phone contacts in Florida to those of us who loose our phone-logs and can't reach BUPA direct.