DavidMTY
Nov 30, 1919, 12:00 AM
Post #2 of 9
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IMSS registration and a note to Mickey, Flaco & Pat
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Good luck to all of you, you each present a case which could go either way depending on a host of factors including the basic case history and the subjective review's opinion at IMSS. While the cholesterol issue should not be an issue as explained, definitely under a voluntary sign-up, there is no reason to complain about cholesterol That will be in the medical evaluation required for sign-up. If denied for that, argue it and you should convince them pretty easily. The other two cases present the voluntary signup problems if the meds can be seen as extensions of "treatment."<p>I spoke with IMSS in Monterrey, and they will deny any Diabetes (Type I and Type II were not distinguished by this reviewer). As a matter of fact both of the IMSS person's parents had Type II and would not be accepted voluntarily. That is based on criteria here in Monterrey, not on IMSS law and policy, which only prevents later complications sufferers from signing up. Since the person who attended me has a collective work contract with IMSS as their employer, they were accepted no questions asked along with their parents, grandparents, family, etc, under her. So if Flaco can't claim to control his condition by diet and exercise at the time of sign-up as recomended, "criteria" become a big issue, although IMSS governing law/policy does not. <p>IMSS, like most other health plans is not after picking up members who will cost a lot. A male in his late 30's for example, only pays about $120 USD annually (in advance) for individual voluntary membership. And you all know what meds cost.<p>However, like most government groups, IMSS is a big inefficient mess, which occasionally gives stellar service and excellent doctors, though frequently is it so complimented. Which also means there is much latitude to get in to the prospect who works at it.<p>First, we need to recognize the three basic ways one get on board. And realize that this is the IMSS - Medical Plan and no more of their offering.
(1) You were part of IMSS under your employer or the breadwinner's employer of your family, and the coverage you had was in effect at least until July 2001.
(2) You were never part of IMSS and want to get on under the "Voluntary" sign-up, and have no employer behind you.
(3) You get a job and your employer signs you up under his collective contract.<p>Under the first, you simply go to the IMSS delegation nearest and request reenstatement.<p>Under the second, the no pre-existing condition explained in other posts is the criterium. You sign up (or a head of family signs up with you covered) and coverage begins in a month or two. If they determine you have a pre-existing condition, they will not accept you, period, under the "Voluntary" route,perhaps giving it a year, though I am not sure on the latter.<p>Under the third, if your employer (or the breadwinner of the family)has a contract, you get signed up without the pre-existing condition restriction, though it might not be easy. I believe you might need a year before finally getting benefits if there is a pre-existing condition. With a clean bill of health, you get on board in a month or so. <p>Once in the system your history is there, so play it carefully first - being honest, though not going down paths that will be damaging to your application if not necessary. For example, mild Diabetes Type II controllable by diet and exercise might not even be identified by IMSS. And their policy/law does not blatantly exclude it. On the contrary. But if you say I have mild Diabetes Type II, someone invartiably will say: Diabetes? Sorry, not under the voluntary program. Meanwhile 5 others who had it but were not overanalyzed by the US doctors are blissfully signed up. They have no real symptoms that bother them. There is a very fine line in the combination of honesty, common sense and relative standards. IMSS may not alway be able to find your history, but rest assured they have the info in the big computer somewhere, like the phone company.<p>If one signs up for IMSS "voluntarially", they will say,
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