By Don Murray | International Living
If you are like most, one of your primary concerns when considering a move outside the U.S, will be healthcare. Fortunately, you will find, in general, healthcare in Mexico is very good…and in many places it is excellent. Many doctors and dentists in Mexico received at least part of their training in the U.S. (And many U.S. doctors have trained in Mexico, notably in Guadalajara and Mexico City.) Many of them continue to go to the U.S. or Europe for ongoing training.
Every medium to large city in Mexico has at least one first-rate hospital. And a big plus is that the cost of healthcare in Mexico is generally half or less than what you might expect to pay in the U.S. The same goes for prescription drugs. Prescription drugs manufactured in Mexico cost, on average, about 30% to 60% less than the same drugs in the U.S.
Indeed, healthcare in Mexico is good news for expats and future expats. That said, the medical care system is entirely different from what one has experienced in the U.S. so be prepared to go through a learning curve to participate in and negotiate the system. The primary difference and one that is usually quite obvious, is that the care system is not profit driven. Decisions for your care and well-being are not filtered through or guided by any profit motive. Doctors take plenty of time with you and a large number still perform house visits for patients.
Mexico’s national healthcare system is made up of two primary paths. The IMSS system is part of the national Social Security process and was designed for employees across the country. Employees and employers are mandated to contribute to the IMSS plan every month and those funds are augmented by funds from the Federal Government.
Expats, those who hold either Temporary or Permanent residency status, are also permitted to apply for the IMSS program under the voluntary participation process. You may begin the application process online or by visiting a local IMSS office in your community. Be prepared to negotiate this unfamiliar process in Spanish, filling out multiple forms. Those not fluent in Spanish are advised to bring an interpreter to assist and don’t be surprised if it takes multiple visits to complete the registration process.
Currently, participation costs about $40 per month, per person which is more good news, for sure. The bad news is that many pre-existing conditions will prohibit you from participating in the IMSSprogram. Such conditions include but are not limited to cancer, diabetes, heart disease, and addictions. Exclusions can be found here. Other pre-existing conditions may permit enrollment after a waiting period. Nearly all treatment is provided at no cost, including medications in the IMSS program.
The second option for participating in Mexico’s national healthcare program is Seguro Popular. Seguro Popular was established to provide for those who are not able to participate in the IMSSprogram for financial reasons and for those with pre-existing conditions, thereby ensuring medical coverage for all legal residents.
Seguro Popular is an entirely different system from IMSS and has its own set of rules and procedures as well as its own clinics and participating hospitals throughout Mexico. While the IMSS Program is mandated for employees and employers´ participation (as well as those who voluntarily participate), Seguro Popular accepts all who apply without concern for pre-existing conditions or ability to pay. This encompasses the unemployed and chronically ill. Again, expats who hold either Permanent or Temporary residency may apply.
The application process is completed by the “head of the household” who can register his/her entire family for the program. To register for Seguro Popular, locate the Affiliation Office in your Community and determine what documents will be needed for your family´s registration. This one scouting trip may save multiple return trips while applying.
Annual fees are charged based on income and range from $0 to $500 annually per family. Again, this system almost always includes free medication however supplies may be limited.
Another way that expats can manage their medical care is to purchase a private medical insurance policy and/or medical evacuation insurance. The internet is a good resource for exploring those two options.
Finally, expats may choose to self-insure, paying out-of-pocket for all routine expenses while maintaining funds or a credit card balance sufficient to handle medical emergencies.
Mexico’s hospital system is a mix of government operated hospitals and clinics blended with private hospitals and virtually all will quote the cost of treatment in advance. No surprise huge bills at the end and costs must be paid before leaving the hospital. For elective procedures, payment is generally paid up front. Again, no surprises and surgeries and procedures generally cost about a third of the price north of the border.
Many doctors speak English as they have often experienced some significant training in the States. The quality of care is generally excellent. The one area of significant difference is in hospital nursing care. In government hospitals, friends and family are expected to provide general bedside care, including meal service. Professional nursing staff is light. Modern equipment is plentiful in bigger cities and such things as cardiac and brain surgery are commonplace with good results. Mexico now has a thriving medical tourism business as the cost for surgical procedures is usually around one third the cost of the same procedure in the States. Private hospitals usually provide a nursing experience more similar to what you would find in the States.
At the time of this writing, Mexico’s president has declared that he intends to improve and remake the healthcare system to be more inclusive and cost fewer dollars. No changes as of yet, however.
Here are a few examples of typical fees charged for services and procedures in Mexico if paid out-of-pocket. Prices will vary according to location and your particular medical needs:
|Treatment Type||Price U.S. $|
|Routine Doctor Visit||$12 to $15|
|Routine Dental Exam||$25 to $50|
|Specialist Exam||$40 to $50|
|Complete Blood Work||$50 to $80|
|X-Ray||$24 to $30|
|MRI||$300 to $500|
|Dental Cleaning||$30 to $35|
|Standard Filling||$45 to $50|
|Dental Extraction||$50 to $55|
|Single Implant||$700 to $900|
|Crown||$400 to $450|