nbentley1
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Posts: 140
Registered: 9-16-2016
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Private Health Insurance
Looking for info on health insurance for an expat with residencia. The person is not a citizen so I'm assuming that the Govt healthcare is off the
table. Not talking stiches and small stuff, more like something that covers serious hospitalization and potential transport back to the states. Any
leads / thoughts are appreciated. Thanks
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BajaTed
Senior Nomad
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Registered: 5-2-2010
Location: Bajamar
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Google machine says:
"If you are self-employed, you can apply for IMSS insurance. IMSS can also be obtained by foreign residents by voluntarily enrolling and paying an
annual fee."
Es Todo Bueno
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nbentley1
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Interesting. Thank you
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mtgoat666
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Registered: 9-16-2006
Location: San Diego
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Quote: Originally posted by nbentley1  | | Looking for info on health insurance for an expat with residencia. The person is not a citizen so I'm assuming that the Govt healthcare is off the
table. Not talking stiches and small stuff, more like something that covers serious hospitalization and potential transport back to the states. Any
leads / thoughts are appreciated. Thanks |
There is public (IMSS) and private health insurance in Mexico. You may want private for better care.
Or maintain health insurance in usa plus an evacuation policy to get airlifted home for certain care you want from usa.
Woke!
“...ask not what your country can do for you – ask what you can do for your country.” “My fellow citizens of the world: ask not what America
will do for you, but what together we can do for the freedom of man.”
Prefered gender pronoun: the royal we
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Cancamo
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Registered: 4-5-2011
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I have had AXA Health Insurance, first class coverage to the best facilities in country. Around $1800/year full coverage here in Mexico. Fortunately
never have needed it.
Chose them after researching many reviews, including first hand accounts.
Most folks here cannot afford private Insurance or private hospitals, therefore the only option is IMSS. My experience seeing friends in IMSS
compelled me to not depend on the public system.
Evac plan is a separate issue if required.
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Cancamo
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I have witnessed crowded, less than ideally clean conditions in La Paz. That along with doctors being mostly interns doing their stint in residency
would be the two things that come to mind.
It has been a while, but I know folks that had unwarranted procedures, and at least two folks that went in with non life threatening issues, and
didn't come out.
Others that had complications as a result of the same.
Given the choice, nobody chooses IMSS for anything serious, although Ciudad Obregon IMSS main hospital, if you can get in, is highly recommended.
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Hook
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Registered: 3-13-2004
Location: Sonora
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We had insurance through this company, while living in Mexico, until I became medicare eligible and my wife began getting annual COBRA coverage by
virtue of working for the US Federal govt. during each summer.
https://www.vumigroup.com/
We had very high deductibles (5k or even 10k in certain years) and never had a serious medical issue so we were never forced to use it. We paid out of
pocket for the few things, medically, that we did have down here (colonoscopies, a bout with a UTI for my wife, a precautionary EKG for me).
We visited Mexicans friends who ended up in IMSS hospitals. Uh, get the private insurance. 
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pacificobob
Super Nomad
Posts: 2308
Registered: 4-23-2006
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Here is an easy method for determining the choice between IMSS and private.
Simply walk into the ER area of an IMSS facility. What you see there will aid in a quick decision.
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mtgoat666
Select Nomad
Posts: 18389
Registered: 9-16-2006
Location: San Diego
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Best health insurance is healthy living:
Eat less salt and junk food;
Exercise;
Staff lean;
Cover up from the sun;
Stay hydrated; and
Get sufficient sleep
Woke!
“...ask not what your country can do for you – ask what you can do for your country.” “My fellow citizens of the world: ask not what America
will do for you, but what together we can do for the freedom of man.”
Prefered gender pronoun: the royal we
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surabi
Ultra Nomad
Posts: 4940
Registered: 5-6-2016
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Not all medical emergencies have to do with one's personal health. Accidents are also possibilities for which people want to be covered.
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tecatero
Nomad
Posts: 205
Registered: 11-20-2013
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AXA….. best insurance for expats and many Mexicans have AXA as well
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