Health insurance in Mexico
Thinking about traveling to or are currently living in Mexico? If so, selecting the right health insurance plan can help cover any healthcare costs while you’re in the area. Pacific Prime can help you find the best plan for your needs and budget. Click below to get a free quote or continue reading to learn more about health insurance in Mexico.
Overview of healthcare in Mexico
Living in Mexico is a dream for many. It draws in North American retirees, in particular, with its local charm, delicious food, good weather, and close proximity to home. In addition, thanks to many Mexicans speaking English, living in the country tends to be easier for expats. This is especially helpful when it comes to healthcare, as language barriers won’t get in the way of getting the healthcare you need - especially in the private sector. What’s more, the country offers excellent healthcare at a much lower cost than back home.
Mexico’s three-tiered healthcare system
While most countries have a public and private healthcare sector, Mexico has two public and one private.
Public healthcare services in Mexico are provided on a two-tier system. Basic coverage is offered through Instituto de Salud para el Biernestar (INSABI) and comprehensive coverage through Instituto Mexicano del Seguro Social (IMSS). IMSS is the country’s social security program for both public and private sector employees, though the unemployed can also sign up for it voluntarily.
The third-tier system is offered through private health insurance in Mexico. Despite being more expensive than IMSS and INSABI, it makes accessing medical care more comfortable and convenient for expats. Plus, expats with health insurance in Mexico (including those with travel health insurance in Mexico) can benefit from a wider range of specialists, state-of-the-art medical equipment, lower wait times, and easier communication.
Mexico health-related travel advice
Public and private facilities are available in urban areas and major cities in Mexico, such as Mexico City. Rural areas, on the other hand, may have a basic public clinic at best. As a result, many patients in these areas must travel to access better healthcare, making public options even more overcrowded.
For expats, health insurance in Mexico should include emergency evacuation if they need to be transported to a suitable medical facility. However, if a hospital trip isn’t necessary, the local pharmacies can often help with various ailments. There are two types of pharmacies in Mexico, Primera Clase and Segunda Clase (or “pharmacy lite”).
The former can dispense medications as long as you have a prescription (e.g. pain killers) while the latter can only dispense routine medication (e.g., antibiotics, allergy treatment, etc.). Primera Clase are harder to find in general, so be sure to ask your doctor to recommend a facility.
How to secure the best private health insurance in Mexico
One of the main concerns when selecting health insurance in a new country is the cost. The cost of health insurance in Mexico for expats varies depending on the plan you choose. For example, a plan that provides coverage in the US will be much more than one that doesn’t.
Whether you’re looking for health insurance in Mexico for US citizens or Cigna health insurance in Mexico (as well as other leading insurers), Pacific Prime is your broker of choice. Contact us to ensure you have the coverage you need or to get a free quote and plan comparison today.