Catastrophic Insurance Coverage

Is that $1880 US for the entire year? Doesn't sound right, considering the first years' cost.

One option is paying out of pocket for medical expenses. Even with heavy use, it's saved money after we dropped the Medicare Part B coverage for both of us, shortly after we moved to Mexico. Private insurance is very expensive as one gets older.

Someone should submit a complaint to the Mexican insurance regulators about Best Doctors conduct in this Focus on Mexico fiasco. Firstly, under Mexican law an insurer cannot just drop coverage anytime they want. This law may only apply to Mexican owned insurers however, I am not sure. Secondly, this bait and switch has the characteristics of classic insurance fraud. The company, especially the agent, should be properly audited.

I would like to know if it was Focus on Mexico which decided to longer provide Best Doctors group policy or was it Best Doctors decision? No one is saying anything. When Boomers Best Doctors is up in December, will that be suddenly dropped as well? That is certainly a fraud if you are prepaying for a service that the vendor knows will be cancelled.

A lot of people are really upset about this situation. Myself, I am OK with INSABI, but it will take at least two years to clear up the mess AMLO created. Enough time to build up peak health. You are going to now need that in Mexico.

Best Doctors did not have a license to sell insurance in Mexico. Otherwise, they would not have been allowed to back out like they have. As I have been told by two other agents while trying to find insurance.

I understand the concern about catastrophic health situations. The problem is finding an insurer who will take on a person with some pre-existing conditions such a heart or lung problems once they reach "old age" without exempting those very conditions from coverage.
In other words, if you live long enough, you're basically on your own.
That's probably why many are willing to pay for Part B of Medicare and are also willing to pay for coverage that will fly them back to the States in the event of serious illness. The "catch" there is finding a doctor who accepts such people and funding an extended stay in the U.S. if one doesn't have relatives or others who will take one in and care for them during their out-patient times.

Since 2008, we've paid out of pocket here for routine care, tests such as x-rays and MRI's and minor emergency treatments.  

I'm having hand surgery next month; I priced the cost here vs. having it done under Medicare in US.  When I added in US house rentals, flights and car rental it was cheaper to do it here.  Though I will add that while it was cheaper here at the current 20:1 exchange rate, it was a draw at a 10:1 exchange rate.  We've enjoyed 20:1 for several years, but when we first started visiting MX, 10:1 was the norm for many years.  No one knows the future.

We keep our Medicare coverage; while it won't help us for an accident, it will cover us for big ticket items like hip replacement (which looms in my future) and cancer treatment, heart bypass, etc. (god forbid).

I have read about shortages of chemo supplies here in MX as well as high prices for them.  And while surgery/hospital costs are far lower here, medical devices such as hip replacement parts are subject to global pricing.

I'm hesitant to cancel our Medicare as many folks we've known here who said they'd never ever return to US, did when they faced high medical bills and/or medical disabilities.  The Medicare penalty for dropping coverage then re-instating it is quite severe.  

We are also concerned about rising costs locally.  MX has had a lot of inflation, and also a burgeoning middle class---both are reflected in the higher cost of living over the past 10+ years.  It could be paying out of pocket becomes far less competitive.

dvinton. Check your email, how to get back on Best Doctors with new policy number. By July 9

We have Bellon who got us covered on Mexican Insurance which costs about the same as Medicare.one is covered differently by disease and there is a lot ofpaperwork like back in the day. They will create any type of plan for you base on cost or any specific medical needs.

I don't know, there are still a lot of holes in Mexican insurance. I am OK with INSABI public and general hospitals but the good ones make you pay a portion. For example, a hip replacement, all the surgery and hospital stay would be covered but you are expected to pay for the appliance and any prescriptions you are on. The IMSS covers everything but is difficult to get on if are not an employee who has been paying in for years. I would pay for an insurance to cover these extras. Also, depite many promises, no company has come up for a policy which covers long term care homes or assisted living.