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EnsenadaDr
Banned
Posts: 5027
Registered: 9-12-2011
Location: Baja California
Member Is Offline
Mood: Move on. It is just a chapter in the past, but don't close the book- just turn the page
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I am posting accurate information
I need your contacts in Mexico City. You may contact my boss, Dr. Isaac Trejo in the Maneadero Clinic who is the head of all of the Ensenada
Maneadero area, including Cantu, Zorillo, and Maneadero. I will ask him to contact your source. I have never charged one person in Cantu, Ensenada or
Maneadero. I have a feeling you are thinking of Seguro Social (IMSS) and that is based on income. There is not one person that has ever registered
for Seguro Popular, including Americans, that has been asked for their income in Seguro Popular. I think you need to discontinue your comments if you
are not sure of which insurance you are discussing. | Quote: | Originally posted by Pescador
| Quote: | Originally posted by EnsenadaDr
Hi Folks, just reading the note about the mishap in the Baja 1000 which reminds me to ask once again, how many of you actively living in Baja have
Mexican Health Insurance? How many of you just think that if you have a medical emergency you are willing to shell out thousands of dollars on your
credit card to get treated at a local private Mexican hospital?
I will once again use this opportunity to encourage all of you to get out there and sign up for Seguro Popular. It's free in most areas of Mexico,
and covers basic as well as catastrophic medical needs. |
Please discontinue your misinformation about Seguros Popular as being free. It is based on your income and may well be free but it may also have a
fee. We have enough Mexico bashing and do not need to add more fuel to the fire when someone expects the premium to be free and then goes in to the
Seguros office to sign up and they discover a fee. I have talked to the main office in Mexico City to confirm this and the policy is exactly as I
have described. As someone who is involved in the medical system, you have an obligation to get this information straight.
Mexico is a big country and to generalize about the whole country from what may be happening in the Ensenada/ Tijuana area is a dis-service to the
program. |
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EnsenadaDr
Banned
Posts: 5027
Registered: 9-12-2011
Location: Baja California
Member Is Offline
Mood: Move on. It is just a chapter in the past, but don't close the book- just turn the page
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Seguro Social (IMSS) charges about $300 a year American dollars...Seguro Popular does not go by income
| Quote: | Originally posted by desertcpl
| Quote: | Originally posted by Pescador
| Quote: | Originally posted by EnsenadaDr
Hi Folks, just reading the note about the mishap in the Baja 1000 which reminds me to ask once again, how many of you actively living in Baja have
Mexican Health Insurance? How many of you just think that if you have a medical emergency you are willing to shell out thousands of dollars on your
credit card to get treated at a local private Mexican hospital?
I will once again use this opportunity to encourage all of you to get out there and sign up for Seguro Popular. It's free in most areas of Mexico,
and covers basic as well as catastrophic medical needs. |
Please discontinue your misinformation about Seguros Popular as being free. It is based on your income and may well be free but it may also have a
fee. We have enough Mexico bashing and do not need to add more fuel to the fire when someone expects the premium to be free and then goes in to the
Seguros office to sign up and they discover a fee. I have talked to the main office in Mexico City to confirm this and the policy is exactly as I
have described. As someone who is involved in the medical system, you have an obligation to get this information straight.
Mexico is a big country and to generalize about the whole country from what may be happening in the Ensenada/ Tijuana area is a dis-service to the
program. |
we have friends that live part time in Puerto Vallarta, own a home and have a Fm 3 or 4 cant remember, but they are on the program, his age is 68 and
hers is 50,, I think they pay somethink like $300.00 dollars for both for a year, and it covers most any thing, and that is really cheap when you
think about it |
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Alm
Ultra Nomad
Posts: 2728
Registered: 5-10-2011
Member Is Offline
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Seguro Popular is not completely "free", income does matter, though the premiums are fairly low. Old Fm3 - whatever it's called now - was a
hit/n/miss with Seguro, as I understand.
"The Affiliation and Orientation Modules or the brigades ask the applicant to provide the necessary information to undertake the socioeconomic
evaluation of the family called Household Socioeconomic Features Card in order to determine their ability to pay. This evaluation must be carried out
every three years."
Source:
http://www.seguro-popular.gob.mx/index.php?option=com_conten...
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EnsenadaDr
Banned
Posts: 5027
Registered: 9-12-2011
Location: Baja California
Member Is Offline
Mood: Move on. It is just a chapter in the past, but don't close the book- just turn the page
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Where are you getting your information from?
I think alot of people are confused between the two Seguros, I will stand by my statement that Seguro Popular is free, and they do not require proof
of income. | Quote: | Originally posted by Alm
Seguro Popular is not completely "free", income does matter, though the premiums are fairly low. Old Fm3 - whatever it's called now - was a
hit/n/miss with Seguro, as I understand.
"The Affiliation and Orientation Modules or the brigades ask the applicant to provide the necessary information to undertake the socioeconomic
evaluation of the family called Household Socioeconomic Features Card in order to determine their ability to pay. This evaluation must be carried out
every three years."
Source:
http://www.seguro-popular.gob.mx/index.php?option=com_conten... |
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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| Quote: | Originally posted by Alm
Seguro Popular is not completely "free", |
Ensenada Dr used to work for them on a full time basis. Don't you think she would know what she's talking about?
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Mula
Super Nomad
Posts: 1655
Registered: 8-16-2011
Location: San Nicolas y Lopez Mateos
Member Is Offline
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5 of us from 56 years old to 75 years old got Seguro Popular last spring in Ciudad Constitucion - at no cost.
And the times we have used the clinic - for eye problems, kidney infections, and a variety of other things. . . it has not cost anything for the
treatment or the service.
[Edited on 11-20-2012 by Mula]
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
Member Is Offline
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Ensenada Dr. You are sure a stubborn little thing, even when you are wrong. You can easily call the director at Mexico City and he will tell you
exactly the same thing. Now, it just may be happening that the Ensenada office is not choosing to do the income level evaluation, but please do no
assume that is what is happening to the rest of Mexico. Here is the exact page off of the Seguro Popular website.
Las cuotas familiares del SPSS publicadas el 15 de febrero de 2011 en el Diario Oficial de la Federación (DOF), vigentes para el ejercicio fiscal 2011
son:
Cuotas vigentes
Decil de ingreso
Cuota anual familiar (en pesos)
I Level 1
0.00
II Level 2
0.00
III Level 3
0.00
IV Level 4
0.00
V Level 5
2,074.97
VI Level 6
2,833.56
VII Level 7
3,647.93
VIII Level 8
5,650.38
IX Level 9
7,518.97
X Level 10
11,378.86
Un escaso porcentaje (menos del 1%) de las familias y personas incorporadas al Sistema de Protección Social en Salud (SPSS) pagan una cuota de
afiliación de acuerdo a su condición socio-económica.
Al momento de incorporarse al Seguro Popular, en alguno de los Módulos de Afiliación y Orientación (MAO´s), se les realiza una evaluación
socioeconómica denominada Cédula de Características Socioeconómicas del Hogar (Cecasoeh) cuya finalidad es determinar la capacidad de pago de la
familia o persona interesada en afiliarse y con base en la Cecasoeh se establece una cuota familiar que, en su caso, debe cubrirse, o bien, si
conforme a la condición socioeconómica del, o lo(a)s, interesado(as) formará(n) parte del régimen no contributivo.
Dentro del régimen no contributivo se considera a:
•Las familias que se ubiquen en los niveles más bajos de ingresos, deciles I y II, así como aquellas hasta los deciles III y IV de la distribución de
ingresos.
•Familias beneficiarias de algunos de los programas de combate a la pobreza extrema del Gobierno Federal (por ejemplo, Programa Oportunidades).
Las personas mayores de 18 años que se afilien de manera individual aportarán el equivalente al 50 por ciento del monto de la cuota familiar que
corresponda al decil de ingresos en que se ubique.
[Edited on 11-20-2012 by Pescador]
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
Member Is Offline
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| Quote: | Originally posted by DENNIS
| Quote: | Originally posted by Alm
Seguro Popular is not completely "free", |
Ensenada Dr used to work for them on a full time basis. Don't you think she would know what she's talking about? |
Well, one would think so, but it depends on listening skills I suspect. The web site is very obvious and concrete.
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
Member Is Offline
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Here is what the official webpage states:
4. ¿El Seguro Popular es gratuito?
En la mayoría de los casos es gratuito, pero para determinar la capacidad de pago de una familia se realiza una evaluación socioeconómica utilizando
la Cédula de Características Socioeconómicas del Hogar (Cecasoeh). Consulta aquí las cuotas familiares vigentes.
http://www.seguro-popular.gob.mx/index.php?option=com_conten...
Now, what may be happening (this is Mexico) is the office that Ensenada Dr. was affiliated with may have chosen to classify everyone under level One
through Four and have not done the Cecasoeh evaluation but in other parts of Mexico, even Baja Sur, that is not the case and when I talked to the
Directors office in Mexico City they indicated that was not how the system was intended to be done.
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EnsenadaDr
Banned
Posts: 5027
Registered: 9-12-2011
Location: Baja California
Member Is Offline
Mood: Move on. It is just a chapter in the past, but don't close the book- just turn the page
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Un escaso porcentaje (menos del 1%) de las familias y personas incorporadas al Sistema de Protección Social en Salud (SPSS) pagan una cuota de
afiliación de acuerdo a su condición socio-económica.
This is a quote from your literature and says less than one percent pay according to their income. I am not going to belabor this point anymore. I
don't know why you want to argue about this. Like Dennis said, I worked for the system and the higher ups told me that there was no proof of income
needed. I don't like the way you talk to me, calling me a "stubborn little thing." That shows no respect on your part. If there WAS a one percent,
I never saw it. Many Nomads have commented on this board personally that they never had to show proof of income and don't pay, and this is by their
own personal experience. Like I said, Pescador, give me the name of the person you talked to. Maybe you lost something in the translation. You
still haven't given me any names and numbers.
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EnsenadaDr
Banned
Posts: 5027
Registered: 9-12-2011
Location: Baja California
Member Is Offline
Mood: Move on. It is just a chapter in the past, but don't close the book- just turn the page
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Ah now I see why you are fighting me wich a vengeance. On your member info listed here in Nomads, you are affiliated with http://medjetassist.com/. It's an air ambulance service. You won't make any money now will you, Pescador, if people sign up with local
healthcare and don't need to be transported by your company, now will they?
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
Member Is Offline
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| Quote: | Originally posted by EnsenadaDr
Un escaso porcentaje (menos del 1%) de las familias y personas incorporadas al Sistema de Protección Social en Salud (SPSS) pagan una cuota de
afiliación de acuerdo a su condición socio-económica.
This is a quote from your literature and says less than one percent pay according to their income. I am not going to belabor this point anymore. I
don't know why you want to argue about this. Like Dennis said, I worked for the system and the higher ups told me that there was no proof of income
needed. I don't like the way you talk to me, calling me a "stubborn little thing." That shows no respect on your part. If there WAS a one percent,
I never saw it. Many Nomads have commented on this board personally that they never had to show proof of income and don't pay, and this is by their
own personal experience. Like I said, Pescador, give me the name of the person you talked to. Maybe you lost something in the translation. You
still haven't given me any names and numbers. |
You only get the respect you deserve. You are the one who stated " all coverage is free", and now you have at least admitted, after reading some of
the literature, that there is a fee for those who qualify.
And now, even with the information from the website, you stubbornly hold on to your original statement, that is free for everyone, which is not an
accurate statement. And then you call it my literature, which is completely off of the wall as it is the website developed and maintained by the
Government of Mexico.
The number is very easy and comes from the website. 01-800-7172-583
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
Member Is Offline
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| Quote: | Originally posted by EnsenadaDr
Ah now I see why you are fighting me wich a vengeance. On your member info listed here in Nomads, you are affiliated with http://medjetassist.com/. It's an air ambulance service. You won't make any money now will you, Pescador, if people sign up with local
healthcare and don't need to be transported by your company, now will they? |
You remind me of a battleship that is sinking and it strikes out trying to cause some damage to surrounding ships. When my wife was sick with
terminal cancer, and because I was an insurance agent, we examined all of the evacuation policies available and found that MedjetAssist did not
require medical underwriting and was available to someone in her condition. Since I am retired and no longer active, I give all my referrals to an
active agent and do not need to sell policies. I left it there only so that someone who was looking might find something that would serve them.
For some reason, which escapes me entirely, you want to hold on to the notion that there is not a sliding scale of cost for coverage with Seguros
Popular, but it is there, in black and white. The office you were or are presently affiliated with may bypass that regulation and offer coverage for
free for the applicants served by that office, but that is not the intent or the regulations followed by the rest of Mexico.
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Leo
Senior Nomad
Posts: 518
Registered: 9-23-2004
Location: Todos Santos
Member Is Offline
Mood: could be better
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very interesting conversation/battle to follow.
But where can I get Seguro Popular, free or not, in my area; Todos Santos. And what do i need to bring other then FM3 and water/electric bills?
The grass is always greener....
and so, there is always a better spot in Baja
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
Member Is Offline
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Leo, you can either do La Paz or Cabo.
La Paz is:
08/10/2012 2:10 pm
Jurisdicción Sanitaria La Paz "Velodromo"
Av. los Deportistas y Carabineros la Paz B.C.S. 23000
Baja California Sur
Teléfono: (612) 1254376
modulolapaz@hotmail
Lunes a Viernes de 8:00 a 3:00 hrs. Y durante las afiliaciones de 8:00 a 1:00 y de 3:00 a 6:00 hrs.
VER MAPA APROXIMADO
Módulo de Afiliación y Orientación La Paz "Torre"
Nicolas Bravo #1010 Esq. Josefa Ortiz de Dominguez 23000
Baja California Sur
Teléfono: 6121256734 EXT 105
moduloLaPazTorre@hotmail.com
Lunes a Viernes de 8:00 a 3:00 hrs. Y durante las afiliaciones de 8:00 a 1:00 y de 3:00 a 6:00 hrs.
VER MAPA APROXIMADO
And Cabo is:
08/10/2012 2:10 pm
Módulo de Afiliación y Orientación Cabo San Lucas
Av. 12 de Octubre E/ Ocampo Y Zaragoza, Cabo San Lucas B.C.S. 23410
Baja California Sur
Teléfono: (624) 143-00-03
modulocslBCS@hotmail.com
Lunes a Viernes de 8:00 a 3:00 hrs. Y durante las afiliaciones de 8:00 a 1:00 y de 3:00 a 6:00 hrs.
VER MAPA APROXIMADO
Jurisdicción Sanitaria. 04 San José del Cabo
Manuel Doblado No. 39, Col. 5 de Febrero, San José del Cabo B.C.S. 23400
Baja California Sur
Teléfono: (624) 1307787
modulosjc@hotmail.com
Lunes a Viernes de 8:00 a 3:00 hrs. Y durante las afiliaciones de 8:00 a 1:00 y de 3:00 a 6:00 hrs.
VER MAPA APROXIMADO
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redmesa
Senior Nomad
Posts: 580
Registered: 3-12-2008
Location: Van Isle and Bahia Asuncion
Member Is Offline
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I want to thank Pescador for letting me know about Medjet because it is the only service I could find that would be of assistance for my husband.
I have looked at getting Mexican medical but the one I read had a pre-existing condition exclusion in the policy. This may not have been Seguros
Popular???
We have never been asked to pay at the clinic we have gone to but I have always given the Dr. a donation for the clinic.
It would be good to hear from people who have acquired Mexican Health Insurance?
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EnsenadaDr
Banned
Posts: 5027
Registered: 9-12-2011
Location: Baja California
Member Is Offline
Mood: Move on. It is just a chapter in the past, but don't close the book- just turn the page
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No pre-existing conditions.
Absplutely not. I had an American patient a few months back who had asthma, congestive heart failure, and diabetes. He came into the clinic in Cantu
as a new patient and required hundreds of dollars of medication per month. There is no pre-existing condition clause with Seguro Popular, however
there is with Seguro Social (IMSS). | Quote: | Originally posted by redmesa
I want to thank Pescador for letting me know about Medjet because it is the only service I could find that would be of assistance for my husband.
I have looked at getting Mexican medical but the one I read had a pre-existing condition exclusion in the policy. This may not have been Seguros
Popular???
We have never been asked to pay at the clinic we have gone to but I have always given the Dr. a donation for the clinic.
It would be good to hear from people who have acquired Mexican Health Insurance? |
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EnsenadaDr
Banned
Posts: 5027
Registered: 9-12-2011
Location: Baja California
Member Is Offline
Mood: Move on. It is just a chapter in the past, but don't close the book- just turn the page
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How much of a cut do you get Pescador?
How much money do you make Pescador for each policy you sell? Is it a weekly, monthly or an instantaneous reimbursement? I see also in your
company's literature that only Americans or Canadians are accepted as members. So this is very misleading information to sell this insurance on
Nomads, since some are Mexican citizens here. | Quote: | Originally posted by Pescador
| Quote: | Originally posted by EnsenadaDr
Un escaso porcentaje (menos del 1%) de las familias y personas incorporadas al Sistema de Protección Social en Salud (SPSS) pagan una cuota de
afiliación de acuerdo a su condición socio-económica.
This is a quote from your literature and says less than one percent pay according to their income. I am not going to belabor this point anymore. I
don't know why you want to argue about this. Like Dennis said, I worked for the system and the higher ups told me that there was no proof of income
needed. I don't like the way you talk to me, calling me a "stubborn little thing." That shows no respect on your part. If there WAS a one percent,
I never saw it. Many Nomads have commented on this board personally that they never had to show proof of income and don't pay, and this is by their
own personal experience. Like I said, Pescador, give me the name of the person you talked to. Maybe you lost something in the translation. You
still haven't given me any names and numbers. |
You only get the respect you deserve. You are the one who stated " all coverage is free", and now you have at least admitted, after reading some of
the literature, that there is a fee for those who qualify.
And now, even with the information from the website, you stubbornly hold on to your original statement, that is free for everyone, which is not an
accurate statement. And then you call it my literature, which is completely off of the wall as it is the website developed and maintained by the
Government of Mexico.
The number is very easy and comes from the website. 01-800-7172-583 |
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EnsenadaDr
Banned
Posts: 5027
Registered: 9-12-2011
Location: Baja California
Member Is Offline
Mood: Move on. It is just a chapter in the past, but don't close the book- just turn the page
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Thank you Mula for your information..
Quote from Mula, one of the Nomads posting here:
5 of us from 56 years old to 75 years old got Seguro Popular last spring in Ciudad Constitucion - at no cost.
And the times we have used the clinic - for eye problems, kidney infections, and a variety of other things. . . it has not cost anything for the
treatment or the service. | Quote: | Originally posted by Pescador
| Quote: | Originally posted by DENNIS
| Quote: | Originally posted by Alm
Seguro Popular is not completely "free", |
Ensenada Dr used to work for them on a full time basis. Don't you think she would know what she's talking about? |
Well, one would think so, but it depends on listening skills I suspect. The web site is very obvious and concrete. |
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Alm
Ultra Nomad
Posts: 2728
Registered: 5-10-2011
Member Is Offline
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Dr, you ship's mast is under water already  ... Firing guns in this situation
would be simply useless.
There are "nomads" that used SP for free, alright. There were also "nomads" who paid premiums, and I recall extensive discussion that followed, on the
ethics of using the system intended for those poorest. Official website says it is not free, and income evaluation is required. These are the facts.
I hope everybody here has got enough gray matter to interpret the facts himself.
1% of paying customers has quite a logical explanation: 1% of customers based on predominantly Mexican crowd. Because the system was designed for
Mexicans without means to pay, and most of them fall into this category. Gringos may or may not, and even when they are not, the premiums are low -
from the gringos' perspective - because again the system is designed for Mexicans.
Correcting myself: the evac service that I meant in the earlier post, was not Sky Med, but Global Rescue. They do both rescue from the place of accident (if necessary) and evacuation to the hospital of your choice. For those in remote
locations this would make sense. This is a good news. Bad news is that it costs more than Med Jet, and pre-existing condition clause does exist - the
condition must be older than 45 days (or older than 1 year for those aged 75-85). Also, they have one weird condition: they transport to a hospital of
your choice located in your home country. Don't know how much freedom they allow in specifying the "home country", read the fine print yourself. I
read it that "home country" is either what I chose on the contract OR what my ID says. But I'm not insurance agent.
[Edited on 11-21-2012 by Alm]
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