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rockyla
6/7/2019 18:02 EST

I am moving to Mexico to Puerta Vallarta and want to purchase Health Insurance and have HIV . Does anyone know f a company I can apply to ?

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RVGRINGO
6/8/2019 10:48 EST

Pre-existing conditions are typically excluded by Mexican insurance companies, and even by the socialized medical system.

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rockyla
6/8/2019 14:21 EST

Thanks

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MonicaRixPaxson
6/8/2019 16:08 EST

Hi everyone. While it is true that pre-existing conditions are excluded from most private insurance, (although I suspect that if you pay enough you can cover anything.) They are also excluded from IMSS for a specified amount of time (typically 2 years), Seguro Popular has not traditionally excluded preexisting conditions. However, who knows if that will continue with the medical reforms underway with the new administration. It is likely that SP will be absorbed into IMSS over a two year period, but the specifics regarding coverage for expats, the costs or the timeframe are unknown. Stay tuned.

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YellowTail
6/8/2019 17:19 EST

I have no experience with SP but we have had IMSS for many years now. I can't think of anything in the US that would equate to IMSS. If you need a surgical procedure, and you are lucky, you might have an IMSS surgeon who has a prosperous practice outside IMSS and is providing services to retire early (I believe they accrue credits of some sort).

If you have any sort of condition that has a sense of urgency associated with it IMSS may not be the best solution. For example - let's say you have lab tests done and you MAY have a cancer. That would require seeing a specialist. That would probably require a scheduled appt months in advance. If and when you show up for that appt the specialist may or may not be there that day, the dept might have run out of money for the year and they will reschedule you a new appt in say April of the following year. When you show up in April the specialist may say - go have your tests taken again. The tests will likely be scheduled for say May and your followup appt with the specialist will be in July/August. If you have any sort of situation which requires a prescription IMSS may or may not have your drugs and more likely they will have something 'similar'.

I have had one surgery at IMSS that required an over-night stay (with anesthesia) . I could easily have had it done privately - but I wanted to experience IMSS in a less than emergency situation. I am not sure I would go that route a second time. After that procedure I required daily servicing for a week or so and I opted for the local Cruz Roja 'emergi-center' rather than returning to IMSS.

I often read on forums such as this how people think they are going to move to Mexico and get 'free' healthcare. Perhaps the care is better in Canada - but if we did not have the money in the bank to cover a true medical emergency - I'm not sure IMSS would be a viable solution,

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