San Miguel de Allende

Healthcare and Insurance in San Miguel de Allende



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For anyone thinking of retiring in Mexico, healthcare is a very important topic. You can relax, excellent medical care is available in Mexico. From personal experience, I can tell you that I have received more thorough and caring helthcare in Mexico than I ever did in the U.S., and for a fraction of the cost. There are modern, and in several cases, “world class” hospitals, highly trained and efficient doctors, dentists, and other healthcare providers. Most doctors and dentists speak English, have modern up-to-date facilities and will actually spend significant time with you. You will never feel like a number.There are four basic ways to approach health care in Mexico: IMSS (Instituto Mexicano del Seguro Social), private insurance, pay as you go, or a combination of all approaches.

The Mexican government health system, IMSS, is available to all foreigners that hold FM2, FM3 or Imagrado Visas. The paperwork to apply is a little complicated, and unless you are fluent in Spanish you may want to use one of our experts to help you apply.

It is very thorough and covers almost all conditions. However, there may be some exclusions for pre-existing conditions. The cost depending on age is typically between $100 and $300 per year.

Private insurance is available through several private insurers as well as through some of the hospitals in the area. The cost of this insurance is dependent on age, the deductible, and any special coverages. However, you can rest assured that private insurance will cost less in Mexico than it does in the U.S.

A third way is to simply pay as you go. Good doctors and dentists are readily available and their charges are very reasonable. Many people choose to find their own doctors and dentists and pay as they receive care. I have found that in most situations it is cheaper for me to pay as I go than to pay Medicare’s deductible or to purchase Medicare Supplemental Insurance.

The last approach is to pay as you go for day to day healthcare and to use Medicare, private insurance, or IMSS for severe or more expensive procedures. This is an approach used by many expats in the area.

Medical care will be covered extensively during your trip to San Miguel. You will listen to medical experts during our panel discussions and will be given the opportunity to discuss your personal healthcare concerns at that time.