Aug 4, 2009, 8:25 PM
Post #3 of 3
My Federal Employees Health Benefits plan covers me here in Mexico as it wold in the US, however there are no "preferred providers" here that I know of. I have not used it though, the deductibles far exceed the costs here. For a catastrophic type of emergency the hospitals here would probably assist in recovering costs from the insurance provider. That probably just depends on the hospital. But even the most severe cases are bound to be a whol lot cheaper here.
Someone I spoke to had an occasion to use their US health plan. They had to go through their provider for authorization but had no problem with that. They were told by their provider that given the costs here they were delighted to authorize all services done in Mexico. It was nothing so severe to be sent back to the US for the services. The hospital was going to work with the billing so as to minimize their deductibles, accept the insurance providers' reimbursement, and waive as much as possible the balance. I can't give more details, it's just what was told to me from someone else's experience.
A word more on pay-as-you-go; my trip to Cruz Roja to get cleaned-up, stitched, and tetanus shot after a dog attack cost $35 pesos for the emergency room treatment and about another $100 pesos for the medicines and supplies - about $13 US around three years ago.