Bubba
Jul 21, 2004, 10:12 AM
Post #28 of 37
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Re: [SteveInPVR] Pre-Existing Conditions
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We insure through a Mexican insurance company that is a subsidiary of a European parent. We have unlimited coverage with a $20,000 Peso deduction. I am 62 years old have been treated for high blood pressure for years, am overweight and took no physical. My only pre-existing condition in addition to the blood pressure is a cataract that will cost me $20,000 Pesos to eliminate so it is not an issue. One of the exclusions under my policy for the first three years is for hernias so I had to pay for an umbillical hernia out of pocket. The good news is that I had a top flight surgical team from Guadalajara, had the operation performed at the outstanding Hospital Del Carmen in that city where I stayed in a luxurious (for a hospital) private room with excellent amenities and delicious food and the whole thing cost me $38,000 Pesos. That included weeks of post-operative care by the head surgeon who could not have been better or nicer. The hospital room itself was $1,000 Pesos a day and they had CNN in English plus some good TV movies.
And, I hope you all are sitting down, the doctors and hospital staff here in Guadalajara are top notch, very nice, take a personal interest in your dilemma and treat you like an actual human being. The head surgeon's work including five weeks of followup cost me $6,500 Pesos. The team of four doctors who performed the operation cost me $20,000 Pesos in aggregate and the total hospitalization cost was $18,000 Pesos.
The thing to remember is that routine physician care is inexpensive here so you should insure against the potential catastrophe that could land you in the hospital for months. I have yet to meet anyone who was excluded for having been run over by a truck as a pre-condition.
I will be happy to privately provide the name of the insurance company upon request. By the way, the agent helped me find the outstanding surgeon in Guadalajara who performed my surgery. Nice people.
We had Kaiser in Northern California and I always felt like a side of beef on a hook when going there with a doctor standing there ready to mark my carcass with a "USDA Approved" Stamp . Retire here to take care of your old bones.
A word of advice. If you live in the Lake Chapala area, do not assume that people manning the advice desk at the Lake Chapala Society or that anyone selling products or services on the Society grounds has any notion of the quality of what they are telling or selling you. Do your own homework on health insurance or live to regret it.
Oh, and lastly, when we retired we had the option of continuing our major medical coverage in the San Francisco Bay Area for only $850US per month. Here we are both covered for less than $200US per month.
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