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Old 02-10-2010, 11:00 PM   #21
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kevink,

As I recall, IMSS has an upper age limit for joining, as do most health insurance companies who offer coverage in Mexico (and elsewhere). I remember 60 or 65 as the top age. Is that correct?

Thanks.

Ed
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Old 02-11-2010, 09:36 AM   #22
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Hi Ed,

No, no age limit for IMSS. Private insurance - to supplement or in lieu of IMSS- is readily available in Mexico as well. I've looked into it and it isn't cheap, but is much cheaper than the U.S. as long as you exclude or limit coverage for the U.S. when traveling (one starts to see just how scary the U.S. system is when shopping for travel insurance - one rate, very high, if you include U.S. cover, another for "worldwide excluding U.S." that's reasonable).

If you're old enough to be eligible for Medicare you do have to make the decision as to whether to continue paying in while living down here just in case you return.

Another big advantage of being here is it is a very family-oriented society where elders are respected. We know any number of people who as they age hire a part-time caretaker from the family of their maid or gardener to either come in each day or even live in a spare room in their house and provide assistance. At 30-40 pesos an hour (~around $3.50) it beats the hell out of a nursing home.
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Old 02-11-2010, 09:52 AM   #23
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Quote:
Originally Posted by kevink View Post
The answer is that pre-existing conditions are excluded and there is a three year waiting period for full benefits. You get emergency and accident coverage immediately upon enrollment, quite a bit of preventive care coverage in year two, and full coverage after three years.
Do you have to live full-time or a certain # of months in Mexico per year to purchase the insurance?
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Old 02-11-2010, 09:56 AM   #24
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are the pre-existing conditions covered after the 3 years?
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Old 02-11-2010, 11:40 AM   #25
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Also in Mexico, the doctors carry cell phones and give you their numbers.

For a USians experience with IMSS, here is an account of two former Californian's: freeeye and his wife rabi (Rick and Sarah)
The Puerto Vallarta Scene Forum • View topic - IMSS info

This might save Kevin some typing.

MRIs and Cat Scans cost $300 and can be had the same day.

Doctors appointments can be had next day if not urgent and cost $30.
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Old 02-11-2010, 11:17 PM   #26
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Thx, Kevin and Ken.

Cheers,

Ed
In Iceworld, yearning for Mazatlan (etc, etc).
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