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coho
Junior Nomad
Posts: 43
Registered: 5-6-2009
Location: bahia concepcion
Member Is Offline
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Mexican health insurance
Just found out today after a consultation with an IMSS official that access to the Mexican heath care program is available to FM3 holders. Cost for
those over age 60 is approx. $200 per year for full coverage. To join, apply at any IMSS office with your FM3...have a brief physical exam with their
doctor and within 30 days you are issued your card. You provide the photos for the card. You must sign up as a couple or two people, married or not.
Drugs, ambulance, and surgery all included. This is the official public health care program for all Mexican people that are employed. When you need
care, you must take your turn in line, but total coverage with no deductibles are included. This could be a good alternative for those who spend long
periods of time in Mexico. I plan to enroll next week. Any one out there with experience on this topic?
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
Member Is Offline
Mood: must be 5 O'clock somewhere in Baja
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PLease keep us informed of your progess. Do both applicants
have to be over 60???
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BMG
Super Nomad
Posts: 1776
Registered: 6-10-2007
Location: La Paz / Bahia Asunci�n / Away from home
Member Is Offline
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Both Ana and I were turned down last year. I have an FM3, she is a Mexican citizen.
I think the world is run by C- students.
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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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BMG...so why were you turned down? I am confused yet again.
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David K
Honored Nomad
Posts: 65294
Registered: 8-30-2002
Location: San Diego County
Member Is Offline
Mood: Have Baja Fever
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"...for all Mexican people that are employed"
So, how does an non-Mexican, over 60, retired, FM-3 holder qualify?
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jorgie
Nomad
Posts: 430
Registered: 8-25-2006
Location: on another road,again
Member Is Offline
Mood: on the road....again,again
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I was quoted $226 for FM3 holder over 60 . Non employed , retiring in Mexico .
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Bajahowodd
Elite Nomad
Posts: 9274
Registered: 12-15-2008
Location: Disneyland Adjacent and anywhere in Baja
Member Is Offline
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I was under the impression that any permanent resident can qualify. So I, too, would like to hear more from BMG about that.
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LOSARIPES
Nomad
Posts: 283
Registered: 8-14-2008
Member Is Offline
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Isn't this the plan named Seguro Popular? It is precisely designed for non working and/or self employed people, not covered by IMSS or ISSSTE. Age
doesn't matter. They are taking "wait list" names only as their capacity is limited. Pregnant women are given priority and accepted on the spot.
I don't know about the immigration status requirements. I will ask next time I go there. The cost is very low. Symbolic.
Aripes
God bless America
and Baja tambien
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coho
Junior Nomad
Posts: 43
Registered: 5-6-2009
Location: bahia concepcion
Member Is Offline
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As I understand, Mexico has two levels of universal health care. IMSS coverage is for Mexican citizens who are working and whose employers pay into
the fund. SSA also provides some care for the poor and unemployed, more limited. Any foreigner of any age can enter the mainstream IMSS system,
working or not. But must purchase two policies...family or couple. Cost age 40-59: 1,855.21 pesos per person. Age 60+: 2791.78 pesos per year per
person. I believe the maximum age to join is 65.
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jorgie
Nomad
Posts: 430
Registered: 8-25-2006
Location: on another road,again
Member Is Offline
Mood: on the road....again,again
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what happens 65+ ?
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BMG
Super Nomad
Posts: 1776
Registered: 6-10-2007
Location: La Paz / Bahia Asunci�n / Away from home
Member Is Offline
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| Quote: | Originally posted by redmesa
BMG...so why were you turned down? I am confused yet again. |
I was told that I was turned down because I have somewhat elevated blood pressure (pre-hypertension range). The nurse that took it came up with a
reading of over 100/160. I told her that I had never had a reading that high. We waited a bit and the next reading was 72/125.
Ana was turned down because  She takes no medication. She isn't over
weight. Her blood pressure is very good. She has no major pre-existing. When we asked, the lady asked her boss and he said they didn't need a reason.
I think the world is run by C- students.
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Russ
Elite Nomad
Posts: 6742
Registered: 7-4-2004
Location: Punta Chivato
Member Is Offline
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I'm very interested! Just canceled my State side ins. At $1300/mo I couldn't afford it. That's about twice what it cost me to live here. But with
pre-igsisting (sp) med concerns I won't qualify. Not a lot do over 60 I think. Please keep the info coming.
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schwlind
Nomad
Posts: 362
Registered: 8-30-2008
Location: Daytona Beach, FL/San Antonio Del Mar (Colonet)
Member Is Offline
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Several years ago I did some research on this and I seem to recall that if you had a pre-existing condition, that they wouldn't cover it for the first
3 years...
As we all know with virtually everything in MX, it is probably a very fluid situation, and any answer you receive may depend upon with whom you speak.
Please feel free to correct me on this if anyone has more up to date or contradictory information.
Linda
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coho
Junior Nomad
Posts: 43
Registered: 5-6-2009
Location: bahia concepcion
Member Is Offline
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There are many Mexican private health care providers as well, offering plans. Bancomer has a plan with coverage limited to 40k usd which costs 2318
pesos per year. Private hospitals also offer plans that limit your care to that particular hospital. Currently searching for a private provider that
would provide coverage while visiting the States for the summer. The goal is to drop US health insurance completely until age 66 and MedicAid/MediCare
kicks in.
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CortezBlue
Super Nomad
Posts: 2213
Registered: 11-14-2006
Location: Fenix/San Phelipe
Member Is Offline
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We have a neighbor in San Felipe who signed up for it when he turned 60 and had a major surgery for a stomach issue and said it was wonderful.
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vandenberg
Elite Nomad
Posts: 5118
Registered: 6-21-2005
Location: Nopolo
Member Is Offline
Mood: mellow
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We inquired about IMSS insurance in Loreto years ago and were told we didn't qualify. No reason given. May have changed since then though.
Interpretations of the facts seem to be strictly depending on whoever you talk to.
We're inmigrados.
And I do remember that there was a time frame during which they excepted new applicants.
[Edited on 5-7-2009 by vandenberg]
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bajabound2005
Ultra Nomad
Posts: 2762
Registered: 10-15-2005
Location: Punta Banda, BCN
Member Is Offline
Mood: words cannot describe...
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I have a policy through Allianz. It is not really health insurance, but is Major Medical It covers me anywhere in the world (e.g for emergencies or
accidents). If I went for a regular check up, that would be not covered. If they found something wrong during the check up, then both the check up
and subsequent treatment is covered. They have agreements with some hospitals for the hospital to bill the insurer directly, otherwise you'd have to
go through a reimburnsement. It also covers treatment up to 20 miles from the border into the US. Cost for me is $13,000 pesos per year.
I am also looking at another policy from ProtExPlan (formerly MedExPlan) which is specifically designed for ex-pats. You have to live outside the US
for at least 6 months a year. It covers MedEvac and allows you to return home for treatment. Premium depends on deductible. For me, 52 yrs old, no
pre-existing conditions, $1000 deductible, the premium is about $1500 USD per year
www.protexplan.com
Friends don't let friends drink white zinfandel.
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tjBill
Senior Nomad
Posts: 516
Registered: 10-6-2007
Location: Tijuana
Member Is Offline
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What I've noticed in Mexico, is that most middle class Mexicans visit private doctors and pay out of there pocket. They use their IMSS coverage as an
emergency backup in case they can't afford private doctors.
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coho
Junior Nomad
Posts: 43
Registered: 5-6-2009
Location: bahia concepcion
Member Is Offline
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Bajabound, Thanks for the tip on protexplan. After an hour on their site, I think they are a good option and inexpensive. Their PPO network in the
States is extensive. I recommend Nomads spending at least 6 months out of the year in Mexico to check them out. You can go to any hospital in Mexico.
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BigWooo
Senior Nomad
Posts: 579
Registered: 1-2-2007
Member Is Offline
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Here's another option. We've been looking hard at this plan for when we retire and move to Mexico later this year:
Multinational Underwriters
It has pretty good benefits and covers treatment anywhere in the world, including the U.S. and Canada, but you have to live out of those two countries
for at least 6 months of the year. It's more expensive than Mexico policies, but seems to be very reasonable when compared to most U.S. policies.
If you have a lot of pre-existing conditions though it may not be a good option as they do restrict coverage.
[Edited on 5-8-2009 by BigWooo]
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