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bigriver

Jul 18, 2017, 11:34 AM

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Humira

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Within the next few years we will be permanently relocating to Mexico. Currently NOB we are covered with conventional private sector health insurance but intend to transition to IMSS upon the move.

I am prescribed the drug HUMIRA to treat RA and would appreciate any current info upon how specialty medications such as HUMIRA are distributed in Mexico i.e. IMSS, private insurance, over the counter, etc.I thank you in advance for any counsel offered.



mcm

Jul 18, 2017, 2:18 PM

Post #2 of 9 (4123 views)

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Re: [bigriver] Humira

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I did a google search on ''Humira IMSS'' -- one result was a 2005 article that indicates that Humira is now included in the 'cuadro basico'' -- the list of basic drugs -- available to IMSS subscribers. That indicates that it's probably widely available in Mexico -- you can do a further search to get some ballpark ideas of prices. BUT -- you should check for limitations on preexisting conditions with IMSS. As I recall, there is at least a year waiting period before preexisting conditions are covered. Also, IMSS services vary from region to region -- some areas are oversaturated, leading to very long waits for appointments with specialists, and it's very typical for medicines not to be available (even though they are supposed to be). Also, your IMSS experience will be difficult if you don't speak Spanish -- although many doctors speak English, few nurses or support personal, including administators do. You would be very unwise to come to Mexico without private insurance and/or enough money to pay for private care and medications, at least for a while, or in the case of an non-covered illness. Good luck -- it's good that you're looking for information well in advance of your arrival in Mexico!


AlanMexicali


Jul 18, 2017, 3:32 PM

Post #3 of 9 (4117 views)

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Re: [mcm] Humira

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I did a google search on ''Humira IMSS'' -- one result was a 2005 article that indicates that Humira is now included in the 'cuadro basico'' -- the list of basic drugs -- available to IMSS subscribers. That indicates that it's probably widely available in Mexico -- you can do a further search to get some ballpark ideas of prices. BUT -- you should check for limitations on preexisting conditions with IMSS. As I recall, there is at least a year waiting period before preexisting conditions are covered. Also, IMSS services vary from region to region -- some areas are oversaturated, leading to very long waits for appointments with specialists, and it's very typical for medicines not to be available (even though they are supposed to be). Also, your IMSS experience will be difficult if you don't speak Spanish -- although many doctors speak English, few nurses or support personal, including administators do. You would be very unwise to come to Mexico without private insurance and/or enough money to pay for private care and medications, at least for a while, or in the case of an non-covered illness. Good luck -- it's good that you're looking for information well in advance of your arrival in Mexico!


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 49,000,000 members pay an annual fee or pay on the 3 year contract for their family. Renters and people without a vehicle do not pay.


(This post was edited by AlanMexicali on Jul 18, 2017, 3:35 PM)


bigriver

Jul 18, 2017, 7:56 PM

Post #4 of 9 (4095 views)

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Re: [AlanMexicali] Humira

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I thank you both for your information & good advice.
We are committed to joining IMSS after years of assessing its care of family in Mexco and their overall satisfaction as well as what we have observed. My only concern is access to HUMIRA.
My understanding is, depending upon the underwriter, at age 70 or below private sector insurance is no longer available. Are supplemental plans available similar to Medigap in the U.S. or do people who demand the best treatment & facilities simply pay out of pocket?
Again, thank you!


RickS


Jul 18, 2017, 8:47 PM

Post #5 of 9 (4091 views)

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Re: [bigriver] Humira

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Private sector medical is surely available at and after 70.... I have friends who are more than that who have private. After 75 it may start getting more pricey but....

To my knowledge there are no 'supplementals'. Do you mean supplemental to IMSS?

And yes, I know a number of people who 'pay out of pocket' for smaller things and have private to cover other, more significant problems. But one better be ready for the BIG problem that could raise its head as we age. It is coming more apparent to me that medical in Mexico after,say, 75 can become a problem... for those not rich enough to pay all costs.


(This post was edited by RickS on Jul 18, 2017, 8:52 PM)


bigriver

Jul 18, 2017, 9:18 PM

Post #6 of 9 (4086 views)

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Re: [RickS] Humira

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Thank You Rick!


DavidHF

Jul 19, 2017, 2:42 PM

Post #7 of 9 (4057 views)

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Re: [bigriver] Humira

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New signups for medical insurance for those over 70 are limited. However, you need to understand that private health insurance pays only for drugs prescribed once you are diagnosed while under coverage. It's likely your pre-existing condition would not be covered. Check with insurers to know for sure.


bigriver

Jul 19, 2017, 7:43 PM

Post #8 of 9 (4041 views)

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Re: [DavidHF] Humira

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Thank you DavidHF!

I've reconciled that a waiting period for RA meds will accompany my joining IMSS. I will coordinate with coverage here NOB.

My interest in private sector insurance is only to procure, if available, a policy that provides high quality care for limited chronic ailments/conditions. I am very content with IMSS but want to ensure if catastrophe hits we am reasonably protected. Do you know if such supplemental policies are offered by private underwriters?


DavidHF

Jul 21, 2017, 3:33 PM

Post #9 of 9 (4002 views)

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Re: [bigriver] Humira

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I don't thnk so but you should check with agents/brokers.
 
 
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