medical insurance suggestions

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Old 6th January 2020, 03:14 PM
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Hello. I have been living in Silao, Guanajuato for two years and commuting to Detroit for work for two weeks every month. I am ready to retire within the next three months. I am a 66 year old permanent resident and need to make a choice about medical coverage. I'm very confused about age limit of 65. I also live in an area with no English speaking doctors that I am aware of and hospitalization in case of emergencies is a concern. Of course my UHC will cease at retirement. I do not plan on living in the USA again at this point.

Any and all advice would be apprecitated.

Thank you

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Old 6th January 2020, 04:13 PM
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Hello HughT,

Perhaps you've seen this thread, but here's something to digest. https://www.expatforum.com/expats/me...-coverage.html

From what I've read in other discussions the type of coverage that's right for you boils down to what services are locally available.

My wife and I will take up residence in Ajijic later this year. We expect to fund out of pocket most of our medical/dental expenses. We've been in talks with a local insurance broker about catastrophic coverage.

We plan to stay indefinitely in Mexico but will keep a minimum of Medicare coverage as a backstop. Hopefully, we'll abandon this as we assimilate into our new lives in Mexico.

Good luck,

Don

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Old 6th January 2020, 08:48 PM
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For what it is worth, I use a mix of IMSS and paying-out-of-pocket.

I don't think IMSS (Instituto Mexicano de Seguro Social) is available to tourists but it is available for people on a visa. It costs about $10,000 mxn/year now for my age (74), cheaper for younger people. IMSS care is inconsistent and the quality depends on where you are. Seeing a specialist for non-emergency issues entails a long wait for an appointment, but I can talk to my family doctor with a wait of only a day or two. The annual fee is the only cost, no co-pays, no charges for prescriptions.

I also go to a private doctor occasionally. I don't use the IMSS dental care.

Edit: Added time period to cost.


Last edited by TundraGreen; 7th January 2020 at 12:39 PM.
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Old 6th January 2020, 10:06 PM
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At the moment we also have IMSS and pay for stuff out of pocket. In 2016 IMSS cost us 6000 pesos. In 2019 IMSS cost us 10000 pesos. We did move into a different age band, but they also increase the cost every year as well. I suspect that this year it might be something like 14000 pesos or so (no idea).

Last year my wife had catarac surgery on both eyes at an outside specialty eye clinic. It went great. Cost 20000/eye. We might recoup that money on the savings from her no longer needed contact lens. She does need two different types of eye drops, both of which are available at IMSS. Just filling her prescription at IMSS might cover her annual membership fee.

We still need to look into private insurance but have been lazy.

HughT:

One new change near us (maybe elsewhere as well) is the new replacement for Seguro Popular called INSABI which went into affect Jan 1st. To get care you simply need to walk in the door with a copy of your 'green card' (resident visa) and a printed copy of your CURP. There is no signup procedure and there are no fees. I have never been to a Seguro Popular hospital/clinic but I bet that the overall 'feel' would be close to that of IMSS. Perhaps it might be worth your while to give it a shot. Go to a INSABI facility for something/anything and get the 'feel' for the place. Can you handle the lines/waiting ? Would you trust them if something serious were to come up ?

Just a thought.

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Old 6th January 2020, 11:10 PM
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"Green card" - Mexican resident visa/card will not get you medical service at the new INSABI [previously the Seguro Popular]. Only an INE card and CURP or birth certificate - Mexican - will be accepted there. No more legal residents as of Jan. 1st. will be accepted. Keep your IMSS or join the IMSS if you qualify. Even if you are the spouse of a Mexican national you cannot use ISABI. This is written in the Secretaria de Salud new law replacing the previous law.


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Old 6th January 2020, 11:31 PM
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I physically went to where Seguro Popular used to function (which now doesn't exist, as of 1 January 2020). That was at the general hospital here.

I am a permanent resident.

I was offered free medical services via INSABI. No questions asked other than my Residence Visa.

And you will need your CURP too.

That was my experience. Where I'm located, you will also need Spanish.
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Old 6th January 2020, 11:34 PM
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Quote:
Originally Posted by AlanMexicali View Post
"Green card" - Mexican resident visa/card will not get you medical service at the new INSABI [previously the Seguro Popular]. Only an INE card and CURP or birth certificate - Mexican - will be accepted there. No more legal residents as of Jan. 1st. will be accepted. Keep your IMSS or join the IMSS if you qualify. Even if you are the spouse of a Mexican national you cannot use ISABI. This is written in the Secretaria de Salud new law replacing the previous law.
I have no personal interest in INSABI, I already have IMSS.
My INE card already has my CURP on it so I'm not sure I would need the printout.
I've read from more than one source something akin to - The only condition to be entitled to receive INSABI medical care is to be in the national territory and not be linked to IMSS or ISSSTE.
I also read that youngsters who do not have a CURP can provide a birth certificate. They surely won't have an INE card.

Back when - on the day I received my permanent 'green card' I also received a letter from INM stating the rights it brought with it. If I am not mistaken one of those rights was the entitlement to free health care. Am I wrong ?

[edit]
Here is a link of the secretary of salud's website :
https://www.gob.mx/salud/prensa/002-...e-salud-insabi

Note - "The Institute of Health for Welfare (Insabi) informs that all people who are in the country and do not have social security have the right to receive free public health services, medicines and other associated supplies, at the time of requiring the attention"

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Last edited by lat19n; 6th January 2020 at 11:49 PM.
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Old 7th January 2020, 12:31 AM
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Quote:
Originally Posted by AlanMexicali View Post
"Green card" - Mexican resident visa/card will not get you medical service at the new INSABI [previously the Seguro Popular]. Only an INE card and CURP or birth certificate - Mexican - will be accepted there. No more legal residents as of Jan. 1st. will be accepted. Keep your IMSS or join the IMSS if you qualify. Even if you are the spouse of a Mexican national you cannot use ISABI. This is written in the Secretaria de Salud new law replacing the previous law.
Quote:
Originally Posted by lat19n View Post
Quote:
Originally Posted by AlanMexicali View Post
"Green card" - Mexican resident visa/card will not get you medical service at the new INSABI [previously the Seguro Popular]. Only an INE card and CURP or birth certificate - Mexican - will be accepted there. No more legal residents as of Jan. 1st. will be accepted. Keep your IMSS or join the IMSS if you qualify. Even if you are the spouse of a Mexican national you cannot use ISABI. This is written in the Secretaria de Salud new law replacing the previous law.
I have no personal interest in INSABI, I already have IMSS.
My INE card already has my CURP on it so I'm not sure I would need the printout.
I've read from more than one source something akin to - The only condition to be entitled to receive INSABI medical care is to be in the national territory and not be linked to IMSS or ISSSTE.
I also read that youngsters who do not have a CURP can provide a birth certificate. They surely won't have an INE card.

Back when - on the day I received my permanent 'green card' I also received a letter from INM stating the rights it brought with it. If I am not mistaken one of those rights was the entitlement to free health care. Am I wrong ?

[edit]
Here is a link of the secretary of salud's website :
https://www.gob.mx/salud/prensa/002-...e-salud-insabi

Note - "The Institute of Health for Welfare (Insabi) informs that all people who are in the country and do not have social security have the right to receive free public health services, medicines and other associated supplies, at the time of requiring the attention"

"Para tener acceso a los servicios del Insabi las personas deben acudir a su centro de salud más cercano y presentar CURP, credencial del INE o acta de nacimiento. Ahí se realizará un registro para la continuidad de su expediente clínico."

Google Translation:

"To have access to Insabi services, people must go to their nearest health center and present CURP, INE credential or birth certificate. There a record will be made for the continuity of your clinical record."

Read further down on that webpage you quoted from and read the credentials a Mexican citizen living in Mexico or visiting needs to show for service. No foreigners will get service as of Jan. 1st. They may modify the law. Who knows now what is happening in Mexico with many institutions?

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Old 7th January 2020, 12:11 PM
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Quote:
Originally Posted by AlanMexicali View Post

Read further down on that webpage you quoted from and read the credentials a Mexican citizen living in Mexico or visiting needs to show for service. No foreigners will get service as of Jan. 1st. They may modify the law. Who knows now what is happening in Mexico with many institutions?
These articles contradict your premise.


https://d.elhorizonte.mx/local/hasta...gratis/2746514

https://m.oncenoticias.tv/nota/insab...-los-mexicanos

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Old 7th January 2020, 01:28 PM
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Quote:
Originally Posted by Cristóbal View Post
One article states INSABI "should" allow illegal immigrants service for humanitarian reasons quoted from a civil rights group spokesman involved with migrants in Mexico.

The other article dated Oct. 24th., 2019 stated INSABI "needs" to include foreigners living in the national territory and is a Morena Party Deputy speaking during the debating sessión before the voting to pass the new Secretaria de Salud law. The Secretaria de Saulud law was passed on Nov. 29th. 2019 and does not include service to any foreigners, legal or illegal, in the national territory. Mexican citizens only at this point in time will recieve service from INSABI.


"El artículo 77 bis 7 de la Ley General de Salud, cuya reciente modificación fue publicada en el Diario Oficial de la Federación el 29 de noviembre,..."

Google Translation:

"Article 77 bis 7 of the General Health Law, whose recent modification was published in the Official Gazette of the Federation on November 29,..."

https://www.gob.mx/salud/prensa/a-pa...-restricciones

Google Translation:

"Home:

Secretary of Health Press

336. From the 1st. January, Insabi offers free and unrestricted medical care

The beneficiaries must only present the INE credential, CURP or birth certificate.

It should be remembered that INSABI starts functions on January 1, 2020 as a decentralized body of the Secretary of Health and the services it will offer will be under criteria of universality, equality and inclusion.

The beneficiaries must only present the INE credential, CURP or birth certificate.



Author: Secretary of Health Publication Date December 30, 2019 National Category:

With the entry into official status of the Institute of Health for Wellbeing (Insabi) people without social security [IMSS] will receive free medical care and medicines without restrictions, as they will no longer need to join or pay fees.

As part of the transformation actions of the public health system that the federal government implements to guarantee free medical care and medicines to the entire population, as of January 1, 2020, Insabi beneficiaries must only present their INE credential, the Unique Population Registration Code (CURP) or your birth certificate to receive public health services.

Those who have an affiliation policy will no longer need to present it because that document is without effect as of January 1 [all Seguro Popular contracts will be invalid ], since the care will be offered without restrictions.

Article 77 bis 7 of the General Health Law, whose recent modification was published in the Official Gazette of the Federation on November 29, states that in order to receive the free provision of health services, medications and other supplies, only three requirements

The first is to be in national territory. Second, not be a right holder in IMSS or Issste; and the third, submit the CURP, which is in the INE credential or, where appropriate, a birth certificate.

Health for Wellbeing (Insabi); people without social security [IMSS] will receive free medical care and medicines without restrictions, as they will no longer need to join or pay fees.

Therefore, they will no longer need to go to a module, join and receive a policy; nor will they have to pay annual fees to be treated in the medical units as was the case before."


This is part of the Secretaria de Salud Law what is required to get service. No mention of any foreigners legally or illegally in Mexico qualifying.


Last edited by AlanMexicali; 7th January 2020 at 01:51 PM.
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