Posted 02 November 2011 - 08:39 AM
Posted 02 November 2011 - 09:44 AM
Posted 02 November 2011 - 12:25 PM
Across from Superlake is an agent Andre Paul Bellon Topete
He sells several insurance plans. We have Met Life Mexico for catastrophic .He speaks excellent English This will be our third year with them. Our previous agent moved to Colima
cell 044 33 3662 6915 firstname.lastname@example.org
Posted 02 November 2011 - 03:22 PM
Posted 02 November 2011 - 03:38 PM
We have Met Life Mexico for catastrophic .
Could you explain what you mean by "catastrophic". We simply want coverage if something bad happens or we are in an accident. The day to day stuff we pay for ourselves. MRI's, meds, diagnostic tests etc.
Posted 02 November 2011 - 10:06 PM
Posted 03 November 2011 - 04:13 PM
Posted 03 November 2011 - 05:24 PM
What is the difference in actual health care between private insurance (Met Life & New York Life etc) and Seguro Popular? Forget the fluffed pillows and a private nurse, but include regular care and catostrophic care all done here in Mexico.
Posted 04 November 2011 - 12:26 PM
Rising premiums every year. Imagine a 10% increase on average every year, even if you have no claims. It's the total number of annual claims to that insurance company that count. You do the math. Yes, coverage can also be cancelled in many ways. One, the company is sold, and the new one wont pick you up as a client. Let's say you have had a lot of claims, they may try to say you had a pre existing condition. Now I don't know about you, but taking an insurance company to court would not be a solution in my book. Winning that? The chances would be slim to none.
If you are over 65, forget it. Not eligible in most cases.
Posted 04 November 2011 - 12:57 PM
Posted 04 November 2011 - 02:24 PM
El respeto al derecho ajeno es la paz.
Posted 05 November 2011 - 05:32 AM
Best plan....Barbara 68...no illness, no disease. 20,000 pesos deductible. Includes nearly all hospitals in Mexico and even dental coverage. About 150.00 us a month. 3 large companies with international reputations. Some waiting time for some coverage. All have been in business for over 20 years. The one we chose has great english speaking agents who will be with you throughout any claims.
Available plan.............Fred 72....no illness, no disease....plenty of turn downs....but five companies willing to play. Most bring the prices down to about 200.00 us a month, BUT with large deductibles, 5000 to 10,000 us dollars. and a two year wait for full coverage and greatly reduced benefits. Most require a physical...some will pay for that but some won't. Most companies out of the 5 will guarantee your annual cost for between 2-5 years before the next increase. Many others will not offer more than one year rate guarantees and several want you to pay out of pocket then wait for reimbursement. The important fact...is you can get coverage up to 75 years old...at this time.
All seemed aware of the IMSS financial collapse that is spreading. Some knew that the state of Jalisco IMSS has to pay for the upcoming retirement costs for 200 doctors....all suggested that costs to enroll in most health plans will go up in January 2012.
Best places to get info....I hit up friends for who they were using and whether they liked or disliked their coverage, the company and the agents. Had good luck at LCS as many agents visit on different days and occupy tables and at Tio Corp. Some agents knew far less than I did and some were very, very knowledgeable about this area and our needs. Some agents went out their way to explain the possible problems and were willing to compare their companies to the competition. I also went on line and read consumer comments about the companies that I was most interested in.
Now as to who I picked and who I didn't pick and as to which agents were most knowledgeable...I will share with most anyone by e-mail. I will not tell you which agents were not chosen nor why.....mostly since it is only my opinion. Barbara and I have spent numerous hours on this and realized that waiting to do this can only cost more in the long run. Once you hit above 70 years old....you are in a very small market for decent affordable coverage.
I also have more info on which IMSS offices will be most affected by the up coming service cutbacks.
Posted 05 November 2011 - 07:44 AM
This is bigger than we could have imagined. Many international companies are offering coverage but if price matters...shop and then shop some more. Thanks.
Edited by barbara habacht, 05 November 2011 - 07:53 AM.
Posted 05 November 2011 - 10:33 AM
Let's say you were considering paying 400 a month for insurance. If you were to put that in a separate account, and receive interest, chances are pretty good that lets say in 10 years you would have $48.000, plus interest, maybe 5% on average, you would have your very own insurance fund of roughly $55,000. You can not be cancelled, or turned down for any reason and there's no massive deductible or co-pay.
I can assure you that medical treatment here, if done sensibly, is way way less than in the U.S. or Canada. Don't go to the high priced hospitals which cater to insurance patients, make a deal with the Doctors, and relax. Medication, use generics which are readily available here. There's absolutely no reason to pay for brand name off patent medication.
Posted 05 November 2011 - 10:42 AM
Excellent hospitals in Guad other than the big bux ones and your doctor can negotiate and help you with those decisions. IF you have a good doc. . .
Posted 07 November 2011 - 05:51 AM
Insurance is for major needs. We put away pesos, even with the IMSS plan we have BUT what about a transplant....my adding machine shows that Barbara will have to save through her nineties for that one.
An example of why a medical savings account should only be considered in the following situations.
You are young enough to build the fund. You have the $800 (suggested $400.00 per person) a month money to cover a couple....like us and or IMSS suddenly recovers future funding....and best of all....nothing unexpected happens for up to ten years.
We are no fans of insurance...we don't want everyday things covered...we need insurance for Heart, Cancer, organ failure, serious burns etc.
Posted 07 November 2011 - 05:40 PM
One year with annual 5-7% increases. Serious medical needs only. In USA dollars. Most hospitals, most doctors. Drugs only as part of the illness and recovery. Up to one million us dollars a year, per patient.
2000us deductible $1326.00
3500us deductible $1080.00
5000us deductible $1021.00
10000us deductible $ 800.00
Subject to being accepted.
These were the best numbers I found. This company is one of the few that will insure up to a 74 year old. More details if you need them at our e mail address.
Posted 08 November 2011 - 11:57 AM
Thanks for all the research you've done, Barbara and Fred. A real public service for so many.
Posted 08 November 2011 - 04:04 PM
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