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Redy2Retire

Aug 26, 2015, 11:44 AM

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Healthcare insurance

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First, thank you to everyone who has replied to my prior questions.

While I know healthcare prices are less in Mexico than the U.S.,
1) is a healthcare policy necessary?
2) is the government social security healthcare [ IMSS ?] sufficient, or, does it only provide minimal care at marginal facilities?
3) what else should I be aware of re healthcare in Mexico?



DavidHF

Aug 27, 2015, 3:12 PM

Post #2 of 4 (15733 views)

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Re: [Redy2Retire] Healthcare insurance

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There are no absolutely correct answers to your questions. Each person's situation and needs are different.

IMHO yes, private insurance is necessary. The younger you are when you get it the lower the cost will be. High quality insurance is available thru companies such as Allianz and AXA. IMHO, the IMSS system and facilities would not meet my needs. Private insurance pays for serious issues and requires a deductible per "event" e.g surgery, heart attack, etc.. One pays out-of-pocket for routine medical care and procedures. In our area, Lakeside/Guadalajara, there is easy access to high-quality medical care and facilities.


Gringal

Aug 28, 2015, 8:19 AM

Post #3 of 4 (15681 views)

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Re: [DavidHF] Healthcare insurance

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As David said, there is no answer to fit all needs. It depends on: Your state of health, your pre-existing conditions, if any, your financial situation and what level of hospitalization and doctor visits you would be comfortable with.

IMSS has been described as "MASH, without the incoming fire". Probably the same for Seguro Popular. Yet, I know a number of expats who have used those services with satisfactory results reported.

For younger expats, private insurance costs are fairly reasonable and easier to obtain. David mentioned two reliable companies. For older ones, private insurance is often unavailable, so the options are very limited. Fortunately, out of pocket is within the realm of possibility, since a general practitioner visit is around $300 pesos, a specialist at $600 to $800 pesos and the hospital costs for most minor issues won't break the bank.

Keep asking questions, and welcome to Mexico.


citlali

Aug 29, 2015, 4:59 PM

Post #4 of 4 (15614 views)

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Re: [Gringal] Healthcare insurance

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Having surgery is not that cheap. Cheaper tan in the States but there is nothing cheap about it.
 
 
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