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Hound Dog

Sep 22, 2009, 2:56 PM

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Logic 101

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I have probably written of this before but life´s lessons sometimes bear repeating.

So, anyway, last January I´m lying there in this abominably filthy and primitive hospital with the colorful and romantic name of the Hospital Colonial in the historic center of the otherwise fine, beautiful and polished ancient city of San Cristóbal de Las Casas dying, or so I thought, among edifices struck by countless generations of the Spanish predating my arrival on the planet; said edifices which were inconsequential in terms of the civilization that predated them built by the Maya among others and I must say I may have been impressed by all this history and architectural achievement except that my own history on the planet was about to end as best I knew at that point and the next thing I was going to be staring up at was the inside top of my coffin but as it happened I saw my way through that at that point although that certainly was an interim and temporary victory but here is what I remember. I had a very fine team of surgeons and consulting doctors that saved my life and these were the losers who were on duty during Christmas week while anyone worth his or her salt was in Acapulco but that hospital was so filthy and disorganized and insecure and incompatible with life itself that had Cortez arrived, been wounded and given a room in that hospital, the Spanish would have never occupied Mexico or not for long anyway but where was I?

While I was lying there in the squalor of that hospital being shoved about by this insolent and rude cleaning lady if I may be so bold is to use the term, "cleaning lady", for some bedraggled hag who last bathed about the time I was born in 1942 and kept shoving me about so she could spread more accumulated filth with that mop that had not been cleaned since the aforementioned Cortez waded ashore in the fairly nearby state of Veracruz if ever, I had an epiphany . I realized that in terms of even a few decades, nothing that happened to em at that time really mattered.

While I was lying there assured that things were probably concluded for me, my insurance company called and told me that should I desire the service they would fly me free to Mexico City, Guadalajara or even Monterrey for emergency treatment at the finest hospitals of my choice but I declined stating that I was in such bad shape that I would stay at this two bit San Cristóbal hospital for treatment and as it happened that worked out and for some reason insurance company logic is that I and my wife have choseen to live in primitive and poverty-stricken Chiapas part time but here is the kicker. When I returned to Ajijic, I called my insurance agent to thank him for the fine response of the company which it happens is AXA. He told me that that was fine but I should not expect a repeat of that sort of offer and I asked him why. Now, get this.

It seems that, while we live in Ajijic within easy reach of Guadalajara´s fine hospitals, we have chosen to also live part of the year in Chiapas with its, at best, marginal hosptials even in the largest urban areas. Therefore, in the future, should we be resident in San Cristóbal when taken ill, they will not offer the air ambulance service to Mexico City or Gudalajara again since living in a primitive area with marginal hospital care was our decision and - get this - since I at one time elected to choose hospital care in Chiapas (since I thought I would not survive a flight) and turned down their offer of an emergency flight, they would never offer that emergency flight service again. That´s fine. I liked the service I received in the Chiapas mountains. Screw them.


(This post was edited by Hound Dog on Sep 22, 2009, 3:04 PM)



smokesilver

Sep 22, 2009, 7:41 PM

Post #2 of 5 (1473 views)

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Re: [Hound Dog] Logic 101

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A great story with a happy ending...for you. Thanks.


Zorba

Sep 24, 2009, 12:29 PM

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Re: [smokesilver] Logic 101

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F'ing bastard insurance companies. You could argue against that. You chose to stay because you were worried that you would not survive the flight, not because you wanted to be treated in Chiapas. The next time, you should be offered the same option and again make your decision based on your condition. I realize that you are happy with the treatment you got, but they must fly you to wherever there is good care. If it is determined that you can't receive the necessary care in Chiapas they should have to relocate you. If they refused and you died due to the lack of care in Chiapas, they should be held liable.

I'm curious about the care you got as I will be in Chiapas as well. Was it IMSS? What was your condition if you can say? Why do you think the care you got was good?

I have heard good things about Axa. Do you have the international plan or do they sell domestically in Mexico? What kind of premiums are they charging? Is it reimbursment or do can Mexican hospitals bill them directly?

What is your advice in terms of health care? I plan to get Imss as a backup for something serious, or go back to Canada for treatment and pay out of pocket for small stuff.

Do you recommend private insurance as necessary in Mexico?

Glad to hear you pulled through and got good care. Sounds terrifying. You must have been thinking "I'm fcked!" at the time!


Hound Dog

Sep 24, 2009, 5:29 PM

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Re: [Zorba] Logic 101

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Zorba:

I´m really not upset with AXA since I love my agent and he came through for me pretty well considering I had opted for unapproved hospitals in San Cristóbal versus choosing the option of a flight to the big city as an alternative to care in Chiapas. They actually were pretty fair under the circumstances.

We carry major medical just to try to assure we are not forced into penury because of the capricious behavior of an insurance company all of whom we consider to be capricious and untrustworthy and we believe IMSS to be bankrupt and dreadfully mismanaged so there you have it. We are both in our 60s and I have the option of Medicare but I will inhabit the netherland before I ever inhabit the United States again if I have a choice unless Medicare becomes an absolute necessity.

I don´t have the time now but we have lived here for almost a decade so when I have more time I will write of our experiences here with the medical establishment but just let me say this for now:

As in the United States, the medical establishment in Guadalajara and its opportunists from the metropolitan zone who come to Lake Chapala to prey on the frail Lakeside old folks are out to make a peso but that´s human nature is it not? I´ll tell you this unequivocably. I would rather be in a fine private hospital in Guadalajara any day than one in the San Francisco Bay Area where we lived for some 30 years.

More later if any of you are interested.


SecretAgent69

Sep 24, 2009, 6:18 PM

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Re: [Hound Dog] Logic 101

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Thanks for the reply Hound Dog. It is a lot of questions. Hmmmm. Im only 40, but am debating signing up for private insurance now because my doctor told me it is a good idea to do while you are relatively young so you are not denied coverage or deemed to have pre-existing conditions. I just find it hard to trust those bastards. As a Canadian, it is hard to swallow profit motive in healthcare. I hate to hear of stories of people who faithfully paid their premiums only to be bailed on by the insurance company in their time of need on a technicality in order to gain more profit.

I would love to hear about your experiences. Do tell.

I lived previously in Puebla for 7 years and was told by several people that the IMSS sucks for small stuff, but if you need heart surgery etc, it is good. As you know, in the metropolitan areas good hospitals and qualified doctors are there. Of course there is the old switcharoo too where you go to a private doctor who also works for the IMSS, pay him under the table, and he treats you within IMSS. Same doctor, much cheaper. When in doubt, do as the locals do I guess.

Obama et al. may not get everything they want on health care, but the fact that it will be illegal to deny coverage and to make bullshit claims about pre-existing conditions is a HUGE change.
 
 
 
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