Healthcare in Mexico with pre existing condition

koolcat1954

Member

Member since 28 March 2022

koolcat1954

28 March 2022 22:33:55

koolcat1954

28 March 2022 22:33:55

I am planning on retiring to Mexico this May. I am confused regarding healthcare.. I am 67 and generally in good health
15 years ago I had a heart issue but no damage and have a stent. I only need a check up once a year which I don't mind flying into the us and holding on to my Medicare.

I need advise on what kind of insurance would be right for me.

Please help.

Thanks,,
David

Melanie_In_Mexico

Contributor

Member since 14 April 2015

San Miguel de Allende

Melanie_In_Mexico

28 March 2022 23:18:54

114

Melanie_In_Mexico

28 March 2022 23:18:54

114

San Miguel de Allende

Hi Koolcat,

I have experience with health insurance in Mexico. For instance, I know that pre-existing conditions and an individual health history are taken into consideration when applying for private health plans in Mexico. You might find it difficult to find a company that would accept you after having stent surgery, however, this should not deter your search. Feel free to PM me if you would like me to share more details about how the process has worked for me.

Melanie

Kat11

Serial expat

Member since 01 January 2016

Kat11

29 March 2022 00:52:16

216

Kat11

29 March 2022 00:52:16

216

Koolkat1954, I just sent you a private message with some info.

Kat

mrpres

Active member

Member since 09 April 2021

mrpres

18 April 2022 22:37:27

mrpres

18 April 2022 22:37:27

@Kat11 I also have pre-existing conditions - How is this dealt with on the regular Healthcare in Mexico. Will they accept me as a temporary resident visa holder??? I know the private care will assess my health (and probably laugh at the application). Thanks Ross

Melanie_In_Mexico

Contributor

Member since 14 April 2015

San Miguel de Allende

Melanie_In_Mexico

18 April 2022 23:26:41

114

Melanie_In_Mexico

18 April 2022 23:26:41

114

San Miguel de Allende

@koolcat1954

Hi David,

All health insurance companies which insure individuals in Mexico evaluate pre-existing conditions (surgeries, medical treatment, medical procedures, medications).

Policy limitations may apply to any pre-existing condition. The type of policy limitation applied depends on the company and the underwriters´evaluation results.

The most typical policy limitations include:

1. Permanent exclusion

2. Additional deductible for the medical condition in question

3. Premium surcharge - additional percentage of premium applied to cover the illness

The type of policy limitation is determined by the company, not the insured.

In my experience, very few health insurance companies (Mexican, International, Expat) extend coverage to individuals who have had stent surgery.

I hope this information is helpful.

Melanie

mrpres

Active member

Member since 09 April 2021

mrpres

19 April 2022 00:04:25

mrpres

19 April 2022 00:04:25

Thanks Melanie, I had a quadruple bypass so they may like this more than a stent as all new pipes were assembled? Also had a new shoulder put in (bionic man now). What do you think of these issues? Thanks Ross

Melanie_In_Mexico

Contributor

Member since 14 April 2015

San Miguel de Allende

Melanie_In_Mexico

19 April 2022 00:58:14

114

Melanie_In_Mexico

19 April 2022 00:58:14

114

San Miguel de Allende

Hi Ross,

Quadruple bypass would be more difficult.

Unfortunately, companies assess risk based on intervention, not on how successful the surgery went.

In my experience, any type of joint surgery, repair, or injury usually receives a permanent exclusion.

Do keep in mind that every health insurance company has different underwriting guidelines and practices. There is no way for anyone outside of the company to predict how policy limitations will be applied. We can only make an educated guess based on particular experience working with company underwriters.

Finally, rates are standard and based on age and sex, not how healthy you are.

Hope this information is helpful to you.

Best,

Melanie Lansing