Changes to INSABI, IMSS, and Private Healthcare in Mexico- Q&A
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- čas přidán 22. 08. 2023
- Join me and Antonio Trejo from Guardian Insurance to get answers to your questions about healthcare in Mexico.
What do the changes to free healthcare mean for you? What IMSS is and what to expect. And the ins and outs of private healthcare insurance.
Join us Wed Aug 23rd at 7pm CDT/6pm CST - Zábava
The best video yet on the different insurance options available for foreigners in Mexico! Thank you and I hope you do a 2024 follow up!🙏
This was an eye opener for me and has me reconsidering retiring to Mexico. It seems the private hospitals are the way to go but the costs can be exorbitant. You never hear this from expat channels. Seems I may as well stay here and deal with deductibles/copays. Thank you for this information
The majority of retirees return to their home countries due to health care costs. Emergency hospitalizations can end up costing thousands of dollars. Some have lost their entire savings. Many swear by their travel evacuation policies to return them to their home countries in emergency situations. The reality is, you have to be stabilized before you can be back to your home country. These policies have loopholes! Many hospitals will not admit you unless you pay upfront. Or allow you to leave before paid in full. With pre existing conditions, private healthcare coverage is very expensive, and at retirement age are most likely not covered. Ever.
@@Malibu_Merle So many people’s dreams of retirement in Mexico is no longer an option. Many keep their Medicare to return to the states for non emergency care/treatments. But if you don’t have a place to live… well, I don’t have to tell you how expensive it would be to rent a place during, possibly months of recovery! And it’s not easy to rent something without a lease, AND paying first, last month, plus deposit.
How does Travel Insurance work that I hear lots of nomads use. Especially if we stick to temporary residence rather than Permanent? Thank you.
Retirement planners have been telling people for a lot of years that they need to have about $100,000 saved to meet their Medicare co-pays, fees, deductibles, medicines, etc in retirement. Add to that the fact that Medicare is BROKE in 4 years. It never collected enough anyway, and healthcare costs have been increasing 9% every year, COMPOUNDED, for many years now.
That would probably get you through retirement in MX, with careful planning. I have a friend who was an emergency doc in the states, and surgical nurse wife, who have decided to forego Medicare, and save & invest their Medicare premiums & Part B supplement cost, and self-insure. I have decided to do that myself, and private insurance gets VERY expensive over time.
As an idea of cost, I fell and broke my wrist in 3 places, needed two plates and screws in it, 1 night in the hospital, all anesthesia & drugs, and 2-3 aftercare visits. All told, it cost me, inc transportation, x-rays, splint, brace, etc, about $5000 US. Not too bad.
@@danielsshepherd228 I wouldn't call a "stabilization policy" a "loophole". The liability to the transporter is enormous if the person isn't stabilized. I wouldn't take on that responsibility, either. Every benefit comes with conditions, right?
This was very informative and realistic to the misinformation in the FB groups. I would love to see him back to answer live questions.
Glad it was helpful!
Excellent information, Mariana, thank you!
Glad it was helpful!
Beginning of private healthcare conversation at 50:57
Thanx!
You're welcome!
Buenos Dias, watching the replay on 10/25/23, reside in Atlanta GA 😊
Hope you enjoyed it!
Some pacific Medicare Advantage Plan C covers you in Mexico: As in the summary of benefits (SOB) Emergency care $100 copay ($0 copay for emergency care outside
the United States) per visit. If you are admitted to the
hospital within 24 hours, you pay the inpatient
hospital copay instead of the Emergency Care copay.
See the “Inpatient Hospital Care” section of this
booklet for other costs.
Urgently needed services $40 copay ($0 copay for urgently needed services
outside the United States) per visit
The most helpful and informative discussion of health insurance in Mexico ever! Muchas gracias!
Glad it was helpful
Thank you!
....to the point
What services does the new system provide and how do expats quality for it and are there deductibles or other costs to pay?
It is not clear yet, but my recommendation is for you to speak to the administrations of the public healthcare system directly
No one really knows yet😉
One thing to remember about Mexico (and I say this from 50 years experience), is that the MX gov't tends to make grand announcements about changes to come (about anything, not just health care), but don't do much advance preparation to transition to the new system!
And closely related... Many systems that need replacement parts (like a pump for a public well providing water for a municipality), the replacements parts aren't bought ahead of time, they are ordered ONLY WHEN THEY BREAK/FAIL... And it could be 3-4 weeks before the pump comes.
Such is Mexico. And many other countries with marginal health systems.
What are the options for expats in their early 70s (they have medicare).
Do fraternal organizations in mx offer health insurance?
Fraternal organizations? Not sure what this means? 😉
@@MexicoRelocationGuide Probably things like Rotary, etc. Not many in MX.
I don't see the website for Antonio?
GuardiáninsuranceMX.com
That's why it's important to eat right and exercise. If you go vegan, you hardly have to worry about cartographic illnesses. I am not talking about people who call themselves vegans when it's convenient, but eat meat, eggs and dairy when it isn't convenient, they are not vegans, I am talking about a lifestyle. You don't worry about these things. You get to sleep well. You have lots of energy.
Are you a doctor?
Yes I agree to a certain degree...I eat healthy as well. But I know several people some related that are total vegan and they are over weight eating to many carbs on vegan diet. Plus you can't help if you inherit certain things from your parents.
I know many sick vegans too
Everyone will get sick at some point, vegetables are sprayed with pesticides. You can have an accident also . Believe me as the Bible says unforeseen things befall us all. But it’s about health care
People are talking from experience. It seems strange that he is so negative about the government's insurance. It is in his best interest to bad mouth the government insurance. I find it a little suspicious when someone does this kind of thing.
He’s not bad mouthing the government insurance. He is speaking the facts about it
He is only telling the truth