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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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Do you have Mexican health insurance?
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.
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desertcpl
Super Nomad
Posts: 2396
Registered: 10-26-2008
Location: yuma,az
Member Is Online
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point well made,, this sent this off to friends that live part time in San Felipe, you never know
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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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We have Seguro Popular and use it!
Everyone living here should have it!
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El Jefe
Super Nomad
Posts: 1027
Registered: 10-27-2003
Location: South East Cape
Member Is Offline
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I fell off the ladder and busted my head pretty good last spring and went to Amerimed hospital is San Jose del Cabo. The care was excellent with MRI,
plastic surgeon, cardiologist, neuro surgeon etc. and an overnight stay. Total cost $10,000 US paid on credit card. Reimbursed by my stateside health
insurance 100%. Glad I have good insurance up there and glad I have good credit limit. No complaints.
But, am wondering if I could have gone to same hospital and they would have take Seguro for partial payment and my credit card for the rest if I had
seguro in addition to my USA coverage. Or do you have to go to certain hospitals?
[Edited on 11-18-2012 by El Jefe]
No b-tchin\' in the Baja.
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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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Thanks for the positive feedback Mula!!
| Quote: | Originally posted by Mula
We have Seguro Popular and use it!
Everyone living here should have it! |
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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 El Jefe
I fell off the ladder and busted my head pretty good last spring and went to Amerimed hospital is San Jose del Cabo. The care was excellent with MRI,
plastic surgeon, cardiologist, |
A cardiologist for a head injury? Sounds like they were runnung up the bill a bit. Did you get a rabies vaccination before they released you? 
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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 don't believe you will get reimbursement from Seguro Popular. You need to go to one of their contracted hospitals. The point is, who has $10,000
American dollars to tie up on a credit card? The other point is, how long do you wait for reimbursement? And what illnesses or accidents aren't
covered? | Quote: | Originally posted by El Jefe
I fell off the ladder and busted my head pretty good last spring and went to Amerimed hospital is San Jose del Cabo. The care was excellent with MRI,
plastic surgeon, cardiologist, neuro surgeon etc. and an overnight stay. Total cost $10,000 US paid on credit card. Reimbursed by my stateside health
insurance 100%. Glad I have good insurance up there and glad I have good credit limit. No complaints.
But, am wondering if I could have gone to same hospital and they would have take Seguro for partial payment and my credit card for the rest if I had
seguro in addition to my USA coverage. Or do you have to go to certain hospitals?
[Edited on 11-18-2012 by El Jefe] |
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DaGreen
Junior Nomad
Posts: 29
Registered: 9-25-2003
Location: La Ventana
Member Is Offline
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Speaking of insurance, I've been searching on this site for the inexpensive Med Vac insurance. Anyone know where/what I am talking about?? I think
it was through Baja Insider but I am not locating the information.
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vandenberg
Elite Nomad
Posts: 5118
Registered: 6-21-2005
Location: Nopolo
Member Is Offline
Mood: mellow
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| Quote: | Originally posted by DaGreen
Speaking of insurance, I've been searching on this site for the inexpensive Med Vac insurance. Anyone know where/what I am talking about?? I think
it was through Baja Insider but I am not locating the information. |
DaGreen, check your U2U
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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 EnsenadaDr
The point is, who has $10,000 American dollars to tie up on a credit card? |
Do you think they'd take an out of state, two party check? 
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DENNIS
Platinum Nomad
Posts: 29510
Registered: 9-2-2006
Location: Punta Banda
Member Is Offline
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By the way....what ever happened to this affordable medical care in Mexico?
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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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Dennis you more than anyone should get over to your Seguro Popular office in Maneadero with your FM3 and utility bill receipt....It is FREE...I don't
want to think you would want to pay out of pocket again..you also need to get reimbursed for those bills...when I get back I will follow up if you
haven't submitted them already for reimbursement. | Quote: | Originally posted by DENNIS
By the way....what ever happened to this affordable medical care in Mexico? |
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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 EnsenadaDr
Dennis you more than anyone should get over to your Seguro Popular office in Maneadero with your FM3 and utility bill receipt....
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I suppose you're right.
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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
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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greengoes
Select Nomad
Posts: 10283
Registered: 6-27-2011
Member Is Offline
Mood: Today I slay the Red Dot.
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Correct me if I am wrong, if you are over 55 there is no charge to enroll. That should cover 99.5% of the ex-pats living here.
On another matter, when does the information thread begin about the new requirements for FM3s and FM2s the went into effect this past September?
ANUNCIATE AQUI
DISPONIBLE
INFORMES LLAMA SNOWBALL - 646-115-7754
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desertcpl
Super Nomad
Posts: 2396
Registered: 10-26-2008
Location: yuma,az
Member Is Online
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| 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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oladulce
Super Nomad
Posts: 1625
Registered: 5-30-2005
Location: bcs
Member Is Offline
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| Quote: | Originally posted by El Jefe
I fell off the ladder and busted my head pretty good last spring and went to Amerimed hospital is San Jose del Cabo. The care was excellent with MRI,
plastic surgeon, cardiologist, neuro surgeon etc. and an overnight stay. Total cost $10,000 US paid on credit card. Reimbursed by my stateside health
insurance 100%. Glad I have good insurance up there and glad I have good credit limit. No complaints.
But, am wondering if I could have gone to same hospital and they would have take Seguro for partial payment and my credit card for the rest if I had
seguro in addition to my USA coverage. Or do you have to go to certain hospitals?
[Edited on 11-18-2012 by El Jefe] |
Jefe- Who is your US health insurer?
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El Jefe
Super Nomad
Posts: 1027
Registered: 10-27-2003
Location: South East Cape
Member Is Offline
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Jefe- Who is your US health insurer?
Anthem Blue Cross. But it costs us over $1,100 a month for the premium. Same plan I had with the city before I retired. We get our usual stuff handled
in the states, but emergency use in mexico paid 100% so far for my dumb fall off the ladder and a prior surfboard gash on the same fat head. For
routine medical down here we have just paid cash (tummy grief etc.)
BTW, Dennis, the cardiologist was there to make sure I would be OK for going under when the put me out for surgery. But I really think when they get a
live one in there with good insurance and an ample credit limit the call goes out to all the specialists in town. I felt very well taken care of....
No b-tchin\' in the Baja.
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durrelllrobert
Elite Nomad
Posts: 7393
Registered: 11-22-2007
Location: Punta Banda BC
Member Is Offline
Mood: thriving in Baja
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| Quote: | Originally posted by oladulce
| Quote: | Originally posted by El Jefe
I fell off the ladder and busted my head pretty good last spring and went to Amerimed hospital is San Jose del Cabo. The care was excellent with MRI,
plastic surgeon, cardiologist, neuro surgeon etc. and an overnight stay. Total cost $10,000 US paid on credit card. Reimbursed by my stateside health
insurance 100%. Glad I have good insurance up there and glad I have good credit limit. No complaints.
But, am wondering if I could have gone to same hospital and they would have take Seguro for partial payment and my credit card for the rest if I had
seguro in addition to my USA coverage. Or do you have to go to certain hospitals?
[Edited on 11-18-2012 by El Jefe] |
Jefe- Who is your US health insurer? |
I have always submitted my MX emergency treatments to Kaiser and always got a partial (about 75%) reimbursement. The fist time was $800
Pesos for treatment at the military hospital and they reimbursed me $600 USD but they never made that mistake
again.
Bob Durrell
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Alm
Ultra Nomad
Posts: 2728
Registered: 5-10-2011
Member Is Offline
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| Quote: | Originally posted by DaGreen
Speaking of insurance, I've been searching on this site for the inexpensive Med Vac insurance. Anyone know where/what I am talking about?? I think
it was through Baja Insider but I am not locating the information. |
Did you mean med evac? Inexpensive... There was an old saying (back in my old country) - cheap fish, poor soup.
1) DAN Travel Assist - cheap $30 annual, but it only takes you to the "closest capable" hospital, not to the hospital of your choice. So if you get
sick in Mulege, and they think that Loreto or La Paz is good enough in your situation, they will take you to Loreto or La Paz, but not to San Diego.
You don't have to have a diving accident to be eligible for their evac program - being on the coast and having a snorkel somewhere in a closet is
enough. For $45 extra they include $10,000 non-diving accident treatment (lifetime amount). Summary of coverage - click Travel Assist link under the price-list. Download the Member Handbook for all the "small print" info.
2) Med Jet - takes you to the hospital of your choice. Several times more expensive, cost depends on the trip duration or status (more than 6 months
or less), and age.
And there are others, I don't see much sense in listing them. Most trip insurance plans and hospital plans include evacuation feature, though usually
type #1, when THEY decide where to take you.
The biggest drawback of these "evac" plans is that they will only take you to the hospital, no matter - closest or your choice - after you've already
made it to some hospital but need more than they can offer. The only exception that I know is Sky Med. They will take you from the place of accident to the hospital of your choice and/or in your home country, as I understand. No personal
experience.
Seguro Popular... Does anybody remember that story posted here, about a guy who had a heart attack in Ensenada? Quite an eye-opener on Mexican public
hospitals. If it wasn't for his wife, he wouldn't have probably made it to San Diego and wouldn't have lived to tell the story.
Edit- PS:
I hope you realize that "evac" plans, unless otherwise provided (ex. $10K coverage in DAN) don't include any treatment. They are exactly what they are
called - evacuation.
[Edited on 11-19-2012 by Alm]
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