What Does Health Insurance Cover While In Mexico?

What Does Health Insurance Cover While In Mexico?

What Does Health Insurance Cover While In Mexico?

For many people, getting older means retiring and seeing retirement as a time to travel. More and more Americans are retiring abroad to increase their savings. So what happens to US benefits for Mexican retirees? Foreign nationals, on the other hand, can continue to receive social benefits, such as monthly SSI payments, while living in Mexico. Unfortunately, traditional health insurance is not one of them, as it does not cover hospital bills or medical expenses outside the United States. 


What Does Health Insurance Cover in Mexico?

Medicare is a medical/health insurance plan for retirees over the age of 65. A basic health insurance plan is divided into two parts. Part A is free and provides hospital coverage, and Part B (outpatient care) requires a monthly premium plan.

Seniors enter both programs when they turn 65, but they can automatically enroll in the program if they get Social Security early. And the D part that was reported in Mexico? Prescription drug and Part C costs that combine Part A and Parts B and D. We know that dealing with the federal government can be confusing.

There is also a Medicare Supplement Plan (Medigap). Medigap Plans C, D, E, F, G, H, I, J, and M. Part N covers emergency medical expenses for foreign travel outside the United States. These plans cover 80% of the cost of emergency medical procedure bills abroad. This may be an option for retirees with short-term health insurance in Mexico.

Mexican permanent aliens who do not intend to return to the United States or do so infrequently cannot use health insurance to pay for emergency medical services. There are several options: 1) Purchase a travel insurance plan that includes medical coverage. 2) Buy overseas health insurance that covers routine and emergency medical care at private hospitals and clinics of your choice. 3) Try to seek care at a hospital or clinic run by the Mexican government, services are provided only in Spanish and the quality of treatment may be different from your expectations. 4) Does not have insurance and pays the full fee for medical services in cash. No matter what choice American seniors make after returning to the United States from abroad, they will still have Medicare Part A coverage.


Medicare Only Covers Hospital Expenses in the Following Cases:

  • If you have a medical emergency in the U.S. and the foreign hospital is closer than the closest U.S. hospital. 
  • If you live in the United States and there is a foreign hospital near your home that can treat your medical condition, whether it is an emergency or not.


Health Insurance Plans for Older Americans in Mexico

In addition to staying in Mexico and returning to the U.S. for health care, the following other options may be considered:

1. Trust Mexico’s public health care

In Mexico, everyone can receive medical care in public hospitals, including foreigners. The two main schemes are IMSS and the popular Seguro Scheme for Foreigners (now called INSABI). Employees are automatically registered with IMSS by their employer. Expats can pay an annual premium of between $200 and $400 or qualify for the government’s Seguro Pop benefit for foreigners and the unemployed. To prevent disappointment, expat retirees should plan for emergency medical expenses by purchasing an annual expat health insurance plan.

2. Private health insurance in Mexico

Healthcare standards in Mexico’s private hospitals are very good and cost 50% less than in the US. Check out private expat insurance for retirees in Mexico and note that health insurance prices vary based on several factors, including age and prenatal care.

3. International Health Insurance: Coverage in Mexico, USA

International health insurance provides comprehensive medical coverage in Mexico and elsewhere, including Europe and the United States. Some features may include overseas dental services, access to private healthcare facilities, prescription visits, affordable deductibles and emergency medical evacuation coverage for expats. When emergency medical evacuation is required.



Emergency medical evacuation is usually covered by travel insurance (including health insurance) as well as foreign and international health insurance. Emergency medical evacuation involves transporting sick pensioners to the nearest facility in their home country. In the unfortunate event of a death while traveling, we also arrange for the remains to be returned to the US or their country of origin. Whether you’re looking to retire or become a world-traveling senior citizen, you’ll be the envy of all your friends and family. If you have any questions about health or travel insurance options, please get in touch with us so our trusted partners can help you with all your insurance needs in Mexico.

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