Mexico Expat Forum

Is There Affordable Hospitalization Coverage in Mexico??

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Tuddiepat1
8/22/2017 22:22 EST

Hello All,
I am sure this has been talked about time and time again on this forum, but I need guidance please!! My husband and I will be moving to Playa del Carmen or Merida (haven't quite decided yet) full-time in the next few months and are not so concerned with paying for doctor's visits, labs etc. But we are looking for affordable hospitalization insurance that will cover even for pre-existing conditions. Is this something that is attainable or are we just chasing something that is a dream? We have gotten a few estimates, but many of them will not cover pre-existing conditions. My husband has Medicare and if needed, we could get back to the US to use it, but we really would like to stay in MX and not have to travel back and forth. Any info. would be really appreciated.
Thanks,
Karen

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Marinoni
8/23/2017 01:32 EST

Well...that's a loaded question. For about $225 a month I had my family covered for emergency medical and some great dental coverage. Problem is, the insurance wouldn't cover all of us for reasons I cannot post publicly. So yes, it is affordable from some perspectives, but not affordable for others. BTW, don't gamble....don't take the chance in Mexico if you don't have coverage. You could end up dying or worse, dying very painfully because not treatment was available for the uninsured.

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Marinoni
8/23/2017 01:35 EST

Contact Martin Theler in Playa del Carmen at 984-1091807 or martin@segurosplayadelcarmen.com

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MonicaRixPaxson
8/23/2017 03:13 EST

Getting conventional private insurance coverage for pre-existing conditions, especially at retirement age, typically lands at either impossible or merely very expensive. However, the Mexican government has promised medical care for everyone. They generously include those of us who have resident's visa in both the IMSS and Seguro Popular programs. IMSS excludes pre-existing conditions for at least two years. Seguro Popular does not exclude pre-existing conditions and has no limits on age. Both have fans and detractors. Simply put, the care is generally good but the amenities you are accustomed to are lacking. For many, the pay-as-you-go approach using private hospitalization is workable and some combine that with air evacuation insurance and Medicare. In any case it is a complex topic with many factors to weigh. So many in fact that I've written a book on this and related subjects that you may want to consider. —Monica Rix Paxson, medical researcher and author, https://www.amazon.com/English-Speakers-Guide-Medical-Mexico-ebook/dp/B06XRG93J4/

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Retiree2
8/23/2017 06:15 EST

IMSS will exclude you from joining for some chronic diseases. They have a 6 month, 1 year , 2 year and 3 year waiting period on other chronic diseases and treatments and operations needed, It depends on what condition you are in when applying.


From the IMSS website:

Exclusions to join,

Google Translation:

"• not subject to insurance people who have: malignant tumors, chronic degenerative diseases (late complications of diabetes mellitus), diseases: Hoarding (Gaucher disease), chronic liver disease, kidney failure: • Some pre-existing, such as illness chronic valvular heart disease, heart failure, sequelae of ischemic heart disease (arrhythmia, angina or myocardial infarction), chronic obstructive pulmonary disease with respiratory failure, among others
• chronic systemic connective tissue diseases, addictions like alcoholism and other substance abuse, mental disorders such as psychosis and dementia; congenital and acquired immunodeficiency syndrome or Human Immunodeficiency Virus positive of diseases (HIV)"



http://www.imss.gob.mx/tramites/imss02014

It also states there is a minmum of 2 family members to join.

"Individual must be at least 2 people, the head of the family group and your immediate family, as spouse or concubine , children, father, mother, or your additional family members, such as grandparents, grandchildren, siblings, cousins, children of siblings, siblings of parents. If you are the owner of the family group and if you reside abroad, you can also purchase this insurance for your family."

Seguro Popular takes legal residents of Mexico. Residente Temporal or Residente Permanente and anyone, any age can join with any pre-medical conditions and only about 2% of the 54,000,000 members pay an annual fee or pay on the 3 year contract for their family. Renters and people without a vehicle do not pay.

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katzgar
8/23/2017 07:25 EST

use the search bar?

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mmapags
8/23/2017 10:08 EST

Monica's book is quite thorough and helpful!

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GranJefe
8/23/2017 10:26 EST

Does anyone have information on using TRICARE in Mexico?

Thx........

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topmexico
8/23/2017 18:49 EST

You should get Monica´s Book, It is by far the most complete and updated source of information available on the subject of healthcare.
To complete the information posted above on Seguro social, costs and how to join we have this blog entry


http://www.topmexicorealestate.com/blog/2016/10/imss-family-health-insurance-in-mexico-2016-update/?art=BLOG_230817&web=expatexchange


Hope this helps you. If you are really concerned with medical facilities and hospitalization, Merida is a much better choice than Playa del Carmen. Better Hospitals, doctors, and care in general. I live in Playa del Carmen and love it, but lots of friends and colleagues go to Merida for treatment,

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Cozumeldeb
8/23/2017 19:23 EST

Agreed, Merida has the best hospitals in the area. Cozumel has good care for regular stuff. Amerimed has a hospital in Cancun + in Merida..You will be surprised how many docs train in US.

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Cozumeldeb
8/23/2017 19:35 EST

Desire Sanromán, cozumelinsurance@gmail.com, is a top notch agent, perfect English Sells healthcare, homeowners + car ins, very responsive and goes the extra mile. She sells all over Q Roo. Highly recommend.

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MexJuan1
8/23/2017 19:39 EST

I agree with Deb's assessment.

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N7nat51
9/11/2017 09:44 EST

I agree Deb, I live on Isla Mujeres, they handle the minor things and Cancun can handle any emergency, I would never go back to the states to see a doctor, that would be a wasted trip.

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sparksmex
9/11/2017 12:25 EST

Seguro Popular is free if you have a Resident Visa. No check for pre-existing

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MonicaRixPaxson
9/14/2017 12:30 EST

While I certainly agree with a contributor that Seguro Popular covers pre-existing conditions for those with a resident's visa, it is not free. There is a modest annual fee based on an interview to determine your standard of living (and thus your payment). There are also charges for some surgical/medical procedures. Generally these are a fraction of what would normally be charged in a private hospital, but not free either. While I think that Seguro Popular is an amazing value, it is not entirely comprehensive. Coverage is based on an extensive menu of procedures and pharmaceuticals, but may not cover a specific need. —Monica Rix Paxson, medical researcher and author, https://www.amazon.com/English-Speakers-Guide-Medical-Mexico-ebook/dp/B06XRG93J4/

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MonicaRixPaxson
9/14/2017 12:30 EST

While I certainly agree with a contributor that Seguro Popular covers pre-existing conditions for those with a resident's visa, it is not free. There is a modest annual fee based on an interview to determine your standard of living (and thus your payment). There are also charges for some surgical/medical procedures. Generally these are a fraction of what would normally be charged in a private hospital, but not free either. While I think that Seguro Popular is an amazing value, it is not entirely comprehensive. Coverage is based on an extensive menu of procedures and pharmaceuticals, but may not cover a specific need. —Monica Rix Paxson, medical researcher and author, https://www.amazon.com/English-Speakers-Guide-Medical-Mexico-ebook/dp/B06XRG93J4/

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