San Diego Housing Market News and Analysis
OT: Mexican Health Insurance
User Forum Topic
Submitted by davelj on April 6, 2012 - 2:09pm
I finally did it... I'm now essentially completely divorced from the US health care system.
I've been going to Mexico for health care and dental for a few years now. (Fortunately there hasn't been much to attend to.) For the last three years I've had a catastrophic policy through a US carrier (Assurant) with a $10K deductible that was locked in at about $150/month. Which was fine until... I got the renewal notice a few months back and they now want $290/month. Since I was already completely comfortable going to Mexico for health care anyway, I had thought about getting Mexican health insurance but hadn't bothered to look into it. The bump in the cost of my US policy was the impetus to get more information.
Long story short, I've now got a policy through Grupo Nacional Provincial (GNP) Seguros that is essentially a catastrophic policy with an unlimited ceiling. The deductible is about US$6,000 and it costs US$65/month (converting from pesos). Now, I have to use Mexican providers (which I have no issue with), BUT in the case of a life or death emergency I have $100K worth of coverage outside of Mexico. This latter point was the issue I was originally most concerned about - for example, what would happen if I were in an accident here in the US and couldn't make it down to Mexico? - but this policy adequately addresses it.
So... I'm done with our clown-like system.
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