Mexico’s healthcare system—including treatments and coverage—is excellent and far less expensive than that of the U.S. However, there are a few complications as most insurance providers operate individual clinics or hospitals and provide services to their clients.
This blog will look at some key details you must be aware of when purchasing health insurance in Mexico.
Health Care System in Mexico
Mexico is highly regarded for its superior yet affordable public and private healthcare channels. Medical accessibility has also grown significantly over the years. It is now a three-tiered system consisting of:
- Primary care for low-income nationals.
- One managed by the Mexican Institute of Social Security (Instituto Mexicano del Seguro Social or IMSS) is open to foreign residents and funded by payroll taxes.
- The private sector.
Medication prices are typically half of what they are in the States, and health insurance costs are similarly low.
Public Health Insurance
Mexicans, regardless of employment status, have access to public healthcare with heavily subsidized facilities. There are also separate state-subsidized public health insurance systems for employees in the public and private sectors.
The insurance covers a portion of the salary, as well as emergencies, medications, and surgeries. You can also obtain additional private health insurance.
Private Health Insurance
In a free market, private healthcare is available to anyone who can afford it. Guaranteed services are an appealing option for higher-wage earners. Premiums vary depending on the type of coverage chosen, such as in-patient/out-patient treatment, air evacuation, or travellers’ insurance in Mexico.
There are both local and international insurance options for American ex-pats.
If one purchases insurance from a local provider in Mexico, it will not be valid if they return to the U.S. or travel abroad. However, with international or global health insurance, they are covered in the United States, Mexico, and other countries (based on the territories mentioned on the policy).
Which Should You Choose?
You can choose to partner with a public or private provider, or a combination thereof.
People working in Mexico are enrolled for public healthcare by their employers. However, those who wish to access a high standard of care choose to utilize private systems.
What About the U.S. Health Insurance?
In most cases, and similarly to auto insurance, U.S. health insurance may be ineffective in Mexico.
An American policy does not extend beyond its borders. Even with international coverage, one must pay out of pocket before being reimbursed in the States.
Therefore, it is crucial to confirm exceptions and inclusions with the insurance provider in your home country for more information.
Getting the Insurance
One can purchase their health insurance in Mexico & Globally from West Coast Global Insurance Services. Their global team makes it easier to browse through, compare and choose the most suitable plan for individuals, families, and businesses.
West Coast Global Insurance Services is a go-to insurance provider for frequent travellers, ex-pats living in Mexico, or others seeking financial protection against accidents or illness. Their team understands that healthcare provisions are essential for those who move to Mexico and want to safeguard their health in an unforeseen incident.
Feel free to contact the West Coast Insurance Services agents at (818) 788-5353 to obtain free quotes for health insurance in Mexico. One can also fill in this Health Questionnaire so, their friendly team can determine an adequate level of coverage for their clients.