blankletmusic Posted December 19, 2019 Report Share Posted December 19, 2019 In very good health, generally. I would likely want a large deductable, probably a $2,000 USD equivalent deductable. My only health issue that may impact this is that I take several blood pressure drugs and a low-dose statin daily. Any rough estimates what i'd be looking at per month for such a health insurance policy? Quote Link to comment Share on other sites More sharing options...
AngusMactavish Posted December 19, 2019 Report Share Posted December 19, 2019 1 hour ago, blankletmusic said: Any rough estimates what i'd be looking at per month for such a health insurance policy? 4 Quote Link to comment Share on other sites More sharing options...
blankletmusic Posted December 19, 2019 Author Report Share Posted December 19, 2019 2 minutes ago, AngusMactavish said: That bad, eh? Even with the high deductable? Quote Link to comment Share on other sites More sharing options...
Mostlylost Posted December 19, 2019 Report Share Posted December 19, 2019 Age will be the number one factor. Doubtful you will find one with monthly payments. Quote Link to comment Share on other sites More sharing options...
Mrs. Rupert Posted December 19, 2019 Report Share Posted December 19, 2019 You have a pre-existing condition- you take statins and have high blood pressure. $2000 is not a big deductible. You may be forced to have a larger deductible. You will have to run around to all the insurance agents and discuss this with them. A chat board is not the place to find the answer to your question. 8 1 Quote Link to comment Share on other sites More sharing options...
TelsZ4 Posted December 19, 2019 Report Share Posted December 19, 2019 No one can come close to giving you an answer.. there are so many variables.. Quote Link to comment Share on other sites More sharing options...
cstone Posted December 20, 2019 Report Share Posted December 20, 2019 Sad to say, but $2,000 is NOT a high deductible. I am older, but still close to your age bracket, do NOT take statins and do NOT have high blood pressure, or diabetes etc. My deductible is $5K and I am happy to pay the $$$ premium that goes with a private international policy. 1 Quote Link to comment Share on other sites More sharing options...
pappysmarket Posted December 20, 2019 Report Share Posted December 20, 2019 Depending on age...very possibly uninsurable at any premium or deductible. No Obamacare in Mexico. 1 1 Quote Link to comment Share on other sites More sharing options...
tomgates Posted December 20, 2019 Report Share Posted December 20, 2019 Stop in to see Valerie in the office near Benno's in the Lake Taco and Car Wash complex. She sells Vumi. Don't mention meds to anyone as they will exclude coverage or not extend coverage to you at all. 1 2 Quote Link to comment Share on other sites More sharing options...
Bisbee Gal Posted December 20, 2019 Report Share Posted December 20, 2019 Quote Stop in to see Valerie in the office near Benno's in the Lake Taco and Car Wash complex. She sells Vumi. Don't mention meds to anyone as they will exclude coverage or not extend coverage to you at all. If you lie to the insurance agent, are you willing to lie to doctors about the medications you are currently taking?? If so, you risk bad drug interactions and an invalid treatment plan. If you end up in a hospital in an emergency, my guess is you will not lie about your current medications. Then you risk rejection of a claim because you lied to the insurance agent about your pre-existing conditions. The insurance company will most certainly review your hospital medical records before paying a hospital claim. 6 1 Quote Link to comment Share on other sites More sharing options...
blankletmusic Posted December 20, 2019 Author Report Share Posted December 20, 2019 1 hour ago, Bisbee Gal said: If you lie to the insurance agent, are you willing to lie to doctors about the medications you are currently taking?? If so, you risk bad drug interactions and an invalid treatment plan. If you end up in a hospital in an emergency, my guess is you will not lie about your current medications. Then you risk rejection of a claim because you lied to the insurance agent about your pre-existing conditions. The insurance company will most certainly review your hospital medical records before paying a hospital claim. I agree. Sounds like you're damned if you do, damned if you don't. Not telling doctors what meds you take could well be the end of you. 1 Quote Link to comment Share on other sites More sharing options...
Floradude Posted December 20, 2019 Report Share Posted December 20, 2019 You do realize that your drugs will not be covered by insurance. Doctors visits and drugs are out of pocket. Quote Link to comment Share on other sites More sharing options...
blankletmusic Posted December 20, 2019 Author Report Share Posted December 20, 2019 Yes, I do. The health insurance would be for hospitalization, accidents, etc. (anything where a very large expense is likely). Everything else would be paid for by myself. Quote Link to comment Share on other sites More sharing options...
bmh Posted December 20, 2019 Report Share Posted December 20, 2019 II have insurrance with AXA but I got it when I was in my 50´sI have a 35 000 pesos deductible per event. Once you reach the deductible your drugs are covered by the insurrance.. You need a factura for all expenses and there is a copay at the hospital and not everything is covevered.. If yo are older I doubt that you will be accepted. I have friends who had insurrance snce they were younger as well and they ask to change the deductible last year and were kicked out by their insurrance so make sure the policy cannot be cancelled. As far as telling everything you are taking is obviously up to you. The doctor you see with a private insurrance is part of their network but does not necessaraly report eveything. The least you tell the insurrance the better off you are but you have to remember that if you are caught lying they will kick you out and eveeerything you tell the insurrance will be used against you As you get older the premium go up and up and will be the equivalent of several hundred dollars a month payable in one lump sum a year. Quote Link to comment Share on other sites More sharing options...
pappysmarket Posted December 20, 2019 Report Share Posted December 20, 2019 2 hours ago, tomgates said: Stop in to see Valerie in the office near Benno's in the Lake Taco and Car Wash complex. She sells Vumi. Don't mention meds to anyone as they will exclude coverage or not extend coverage to you at all. That's asking for trouble when it comes time for a claim. First 2 years are the contestable period of the policy and folks may not disclose something on the app but when they suddenly need treatment they tell the truth to the doc and bang goes the claim. Refund of premium and cancellation of the policy. Many moons ago I was involved with many such incidents thanks to having worked for a large insurer, TIC. 1 Quote Link to comment Share on other sites More sharing options...
Ferret Posted December 20, 2019 Report Share Posted December 20, 2019 I would still go to the Vumi rep and find out what your options are. They have, in the past, had multiple options which both include U.S. coverage and ones that do not. Guess which one has the higher premiums. I also would make full disclosure. I did when inquiring and it came down to conditions that were MANAGED well... like you're taking BP meds but your BP is stable. I thought their options were very reasonably priced. Ask about premium increases and if there is a cut off day for coverage or if it will be lifetime. They do not accept applications if you are 74 or older. 2 Quote Link to comment Share on other sites More sharing options...
lakeside7 Posted December 20, 2019 Report Share Posted December 20, 2019 The poster asked what is cost of health care insurance.....why not include IMSS or SP?..why are we assuming only private health care?? It would seem that Health Insurance and coverage has only become a issue in Mexico these past 5/8 years..what has changed?.... ..us getting older or the advent of private insurance...instances of folks have Medical Financial Stress seems to be coming more prevalent here at Lakeside 1 Quote Link to comment Share on other sites More sharing options...
Ferret Posted December 20, 2019 Report Share Posted December 20, 2019 Everybody has their own level of security. I still don't have health insurance after 23 years in Mexico. Still, I was curious about Vumi and was pleasantly surprised. IMSS and Seguro Popular are not for everyone and neither is Private Insurance. Each to his/her own. 2 Quote Link to comment Share on other sites More sharing options...
blankletmusic Posted December 20, 2019 Author Report Share Posted December 20, 2019 Anyone have one of the expatriate health plans that cover Mexico specifically? Quote Link to comment Share on other sites More sharing options...
Mostlylost Posted December 20, 2019 Report Share Posted December 20, 2019 How old are you? 1 Quote Link to comment Share on other sites More sharing options...
Ferret Posted December 20, 2019 Report Share Posted December 20, 2019 In the OP's (blanketmusic) heading, there is a hashtag that says 64 years old. Quote Link to comment Share on other sites More sharing options...
happyjillin Posted December 20, 2019 Report Share Posted December 20, 2019 3 hours ago, Ferret said: Everybody has their own level of security. I still don't have health insurance after 23 years in Mexico. Still, I was curious about Vumi and was pleasantly surprised. IMSS and Seguro Popular are not for everyone and neither is Private Insurance. Each to his/her own. Ditto, we don't have insurance either. After due diligence, and coming off Canadian medicare where there was no charge at source we have had no problems looking after ourselves even after some major outlays. Huge just recently in making our casa disabled friendly which probably wouldn't have been covered by any insurance, in any event. Quote Link to comment Share on other sites More sharing options...
bmh Posted December 20, 2019 Report Share Posted December 20, 2019 You do not know if you will need major insurrance or not , until you need it.. A friend of mine who is Mexican and has AXA and is in his 40s went through a million dollars iin medical expenses over the last 8 years because of cancer. So it is all up to each person to take care of themself or not. Quote Link to comment Share on other sites More sharing options...
pappysmarket Posted December 20, 2019 Report Share Posted December 20, 2019 "Go Fund Me" seems to be a popular coverage at LC these days. No exams, no premium, what's not to like? 3 3 Quote Link to comment Share on other sites More sharing options...
Ferret Posted December 21, 2019 Report Share Posted December 21, 2019 I'd rather die than ever ask for "go fund me". I'd rather die than go back to Canada to have my health care kick in again. Luckily, I won't ever have to "go fund me"... but aren't you the presumptive one pappy. 1 Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.