Q. We really do not understand the Mexican Insurance coverage. How good is it if my loved one needs a serious operation? How will we still have to pay if it very expensive?
A. Private medical insurance is about the same cost as subsidized American coverage, but with much lower deductibles then that available in the USA. This coverage allows you access to world-class private hospitals in Guadalajara, only one hour away. Be aware of age restrictions on most of these policies.
The state health insurance plan is free and eligible to all residents of Mexico, regardless of age or nationality. Once a guest has obtained a residency visa, they are eligible to apply for free health coverage. Although it is free, the system is under financial strain to meet the needs of the people. You should expect to pay for some supplies and medicines that may be in short supply through the system.
Most doctors in Mexico are very well trained, many receiving their degrees in the United States and speak English well.
‘Very expensive’ is a relative term depending on where your coming from. Canada covers for ‘free’ all serious operations, so any cost at all that they may charge in Mexico is more expensive. The advantage in Mexico over Canada is that there are no waiting lists for procedures or doctors when on a paid plan. United States is very expensive to what you would expect to pay in Mexico once the deductible is considered. Even private hospitals in Mexico are much cheaper than medical care in the United States with or without private insurance.
We suggest that everyone research this topic for themselves as it relates to their; or their loved ones; particular needs.