Health Insurance Options for Expats
Foreign tourists will find Mexico a very attractive country. The language difference will be the least of your worries, as many Mexicans speak English. Healthcare providers in the country are also fluent in English, so you can be sure that if you need medical attention, you will be well taken care of.
Private health insurance in Mexico is the best in the world. But like anything, knowledge is power and you need the right information to make informed decisions. Our trusted partners have insurance solutions that can help with this process.
Health Insurance Living in Mexico
When looking for the best health insurance for expats in Mexico, one of the key factors is the services offered by private hospitals. Any local Mexican insurance plan may cover emergency care. But the global health insurance plan provides the best medical facilities and immediate care in clinics. Before visiting or driving to Mexico without private insurance, access to some of the best private hospitals in the country is limited or non-existent. Public hospitals are often overcrowded and the main language is Spanish. Non-urgent procedures may require a longer waiting time and you will still have to pay yourself.
If you rely on IMSS medical services provided by the Mexican government. Your care may be limited or denied as a foreign national because you are not a Mexican citizen.
What are your options?
American health insurance company
Expats can choose from a variety of health plans to suit their needs. Many major U.S. health insurance companies offer expat plans with extensive provider networks that cover a wide variety of services and conditions but with different costs and limits. U.S. companies are the best choice for those who want the flexibility of getting insurance in Mexico and the U.S. and can afford higher premiums.
Some advantages of American insurance providers:
There is a wide network of service providers to choose from.
Coverage in the US and other countries depends on the policy selected.
Customer service agents are available 24/7 in call centers around the world to answer questions.
Local insurance company
Remember that each country has its health care system with different operating rules and regulations. If you often ‘shop’ with a local insurance provider, they can provide customized services at a lower cost, and with valuable information about the local healthcare market, you save time and hassle. can.
Some benefits of a local insurance provider:
Personal understanding of the health care system and the documentation required to submit a claim.
Only work with the best doctors in the field because they have first-hand knowledge. Yes, large companies can provide 125 different service providers, but are they quality service providers?
Offer products and services specifically designed for the expat community as this is their primary market.
At the customer service level, you’re not just a number at the end of the phone line, but a person they’ve met virtually or in person.
Expat health insurance in Mexico and abroad
Unlike most US or country-specific health insurance plans, these plans are designed specifically for foreigners to receive private medical care around the world. Suppose you decide to become a digital nomad and want to travel to many countries. In this case, your health insurance is with you. Of course, when you leave your designated ‘home country’, you’ll always want to check your policy for any restrictions.
Health insurance plans are available in Mexico
Some companies offer very affordable insurance for foreigners in Mexico but with limited coverage. Most Americans are not eligible for these policies or government insurance because they must be permanent residents or citizens of Mexico. Also, coverage is usually limited to catastrophe and emergency medical treatment. As a result, many foreigners have to pay their medical bills twice. Who wants to do that?
Can I use my US health insurance in Mexico?
Most medical insurance in the United States provides little or no coverage to Americans living in or visiting Mexico, except for catastrophic events.
Most plans cover you in-network or if you’re traveling within the US. Coverage is extended nationwide during medical emergencies. Some have options outside the US, so check coverage if you’re overseas.
As you travel the world, it’s best to get international health insurance in Mexico and other countries.
How to buy insurance on a budget?
How can I afford insurance as an expat or Mexican citizen if my income is not enough to cover normal living expenses? Mexican insurance companies offer products for different groups of people. Plans can be customized according to people’s needs, making them very affordable.
Regardless of the insurance plan you choose, in many cases, you will have to pay a deductible before receiving care, just like in the US. One thing to consider before deciding on health insurance is the annual deductible. Generally, lower deductibles mean slightly higher premiums.
Unlike in the US, you don’t have to worry about high deductible plans that make you think twice about getting medical help. As a foreigner living in Mexico, you have several health insurance options. So now you have no excuse to go to a warmer climate and stay with friendly people. If you have any questions about your overseas insurance plans, contact our trusted partners who are Mexican insurance experts.
