Posts Tagged ‘medical insurance for mexico’

Health and Medical Insurance for Mexico

Tuesday, November 30th, 2010

Every year, more and more US citizens are establishing permanent residency in Mexico. In fact, Mexico is now ranked #1 for the country with the most US Citizens living abroad. If you are an expatriate in Mexico or are thinking about relocating, one of the most important considerations is proper health and medical insurance.

Health and medical insurance in Mexico is considered a “pluralistic” health care system meaning that there are both private and public health insurance options. The public option is called the Instituto Mexicano de Seguro Social (IMSS) which covers public facilities only. In order to be eligible for the national health care system as a non-Mexican citizen, you will need to be employed. The health care system withholds a portion of your salary and your employers pay a large contribution to cover the insurance premiums each year. The coverage includes doctor visits, hospitalization, prescriptions, labs, x-rays, etc. However, some pre-existing conditions are not covered and the public system has longer wait periods to obtain care than in private facilities.

Because of this, many expatriates living in Mexico prefer to have a private international health and medical insurance plan in place. In many cases this allows individuals to choose either a public or private facility. An additional advantage is that expatriates have the option to receive treatment in the country of choice – whether in Mexico or their home country.

Many expatriates find that the Citizen Secure plan is well designed as a health and medical insurance for Mexico. The plan features worldwide coverage and you have the option to include the US and Canada as well. Securing a private insurance plan will allow you to choose your doctor or hospital – including private facilities – and can be annually renewed to give you the protection you need year after year.

Furthermore, you will have the option to seek treatment either in Mexico or at home. Many international health and medical insurance plans also provide translation services which may be helpful in Mexico if you are not as familiar with Spanish. Contact one of our licensed agent for more information on health and medical insurance plans in Mexico.

 

Travel Insurance for Mexico

Thursday, March 25th, 2010

It is that time of the year where the weather is warming up and vacation time is just around the corner. Traveling to Mexico may be next on the list of destinations – you’ll be lying on the beaches after visiting the ancient Mayan ruins. In preparation for your trip, you will want to consider the health facilities and care before packing your bags and boarding the plane.

The US State Department strongly recommends that you purchase a travel insurance plan if you do not already have international coverage. In the United States, some plans offer health insurance coverage abroad. In order to find out these details, you will need to contact your insurance company to find out if your benefits extend into Mexico. If you are on the Medicare system, this plan will not cover you in Mexico.

If, on the other hand, you are a member of the European Union or Australia you will need to purchase a travel insurance plan as Mexico does not have any reciprocal agreements with other nations. Although Mexico has its own national health care system called the Instituto Mexicano de Seguro Social, this is only available to Mexican nationals and legalized immigrants who pay into the system. If you do not have coverage with a private policy – you would not be covered while vacationing in Mexico.

In terms of the facilities, Mexico City has excellent health facilities; however more remote locations may have few resources. Because of this, it is recommended that your plan includes emergency medical evacuation in the event that you’d need to be transported to a facility equipped to provide treatment. If Spanish is not your first language, you’ll also want to find out whether your plan offers translation services.

A well-suited option for your trip to Mexico is the Atlas Travel plan. This plan will allow you to customize your dates of coverage for as little as 5 days and you can add sports coverage should you be participating in adventurous activities. The plan also provides coverage outside your home country for inpatient and outpatient services, prescription drugs, emergency medical evacuation, repatriation, doctor office visits, etc.

Be sure to keep your proof of insurance with you at all times as this is generally required before being treated. Que disfrute su viaje – hasta luego!