Mexico’s healthcare system is a big draw for expats. The country offers quality care at affordable prices, making it easy for foreigners to access. Let’s explore why Mexico’s healthcare is so appealing to expats.
Understanding Healthcare in Mexico
Are you moving to Mexico? It’s important to know how healthcare works there. Mexico has both public and private options for healthcare. Let’s break it down so you can make the best choice for your needs.
Public vs Private Healthcare
- Mexico has a public healthcare system that aims to cover everyone. But many people prefer using private healthcare instead.
- The public system includes the Health for Welfare Institute (INSABI), which started in January 2020 to provide free care to those without other coverage.
- Private healthcare is made up of private hospitals and clinics. You can access these by buying private insurance or paying directly.
Key Facts About Mexican Healthcare
- Public and private healthcare are separate, with their own doctors, clinics, and pharmacies. You usually can only use services in your selected network.
- Costs vary based on the hospital, seriousness of your condition, and location. An ER visit may cost 350-500 pesos (about $15-25 USD).
- Doctor visits cost around the same as an ER trip, about 400 pesos ($18 USD) on average.
- There are two types of pharmacies: primera clase which carry all drugs including prescriptions, and segunda clase which only have over-the-counter meds.
- The top hospitals are found in Mexico City, Monterrey, and Guadalajara. For major issues, seek care in one of these cities.
Does Mexico Have Free Public Healthcare?
Mexico used to have a program called Seguro Popular to make preventive care affordable. In 2020, this changed to INSABI. Now, people without other coverage can get free care and medicine without paying fees or enrolling.
INSABI covers those not included in employment-based programs like:
- Mexican Social Security Institute (IMSS) for private sector workers
- Institute for Social Security and Services for State Workers (ISSSTE) for government employees
What Does Public Healthcare Include?
- INSABI: Focuses on people not in IMSS or ISSSTE
- IMSS/ISSSTE: Employment-based coverage, expats can enroll
- Private clinics/hospitals: Best facilities, shorter wait times
IMSS covers hospital care, doctor visits, surgery and medicine after 4 weeks of contributing. It also provides partial salary for up to 52 weeks if you can’t work due to illness/injury.
INSABI offers free primary and specialist care for all conditions including cancer and HIV. But some hospitals may lack meds and supplies, requiring patients to pay.
Public hospitals are often crowded. Private care provides top treatment and technology with less waiting. Many expats buy private insurance for this reason.
Enrolling in Public Healthcare
IMSS provides care to citizens and legal residents. You can get coverage by:
- Enrolling through your employer, who pays part of the fees
- Voluntarily signing up and paying on your own
To voluntarily enroll in IMSS you must have temporary or permanent resident status, not a visitor permit. Costs depend on age, from around 7,000 pesos/year for 40s to 12,300 pesos/year for 60s.
Some pre-existing conditions like cancer, HIV and mental illness aren’t covered. Others have waiting periods before treatment.
Pros and Cons of Mexican Healthcare
Benefits:
- Public healthcare is affordable, even for retirees
- Many doctors train in the US/Europe and speak English
- Private insurance provides access to excellent hospitals/clinics
Disadvantages:
- Changing jobs can disrupt care since systems aren’t connected
- Foreign programs like US Medicare don’t work in Mexico
- Best care is in big cities, not spread evenly across country
Private Health Insurance Options
Private insurance lets you choose your own doctors and hospitals for faster, personalized care. Plans vary in cost based on age, coverage and deductible.
You don’t have to get private insurance. But it provides benefits like:
- Shorter wait times and better facilities than public care
- Ability to pick your own trusted doctors
- English-speaking support to help you navigate the system
Popular private insurers for expats include:
- GNP Seguros
- Royal and Sun Alliance
- Metlife
- Cigna
- IMG Global Medical
Health Insurance Costs
For an individual expat, private plans average around 38,000 pesos ($1700 USD) per year with a deductible around 11,000 pesos ($500 USD). Family plans cost more.
To get reimbursed, save your receipt or factura. You’ll need this to submit claims. Each insurer has a different claims process.
Finding Doctors and Dentists
- Ask friends or coworkers for recommendations
- Check expat forums and Facebook groups
- In IMSS, you’re assigned a clinic and family doctor
- Eye, dental, cosmetic care and fertility aren’t included in IMSS
- Mexico is a top destination for dental tourism
- Dentistry costs 80% less than the US on average
Some sample costs:
- Dental crown: $1200 USD in the US vs $250 USD in Mexico
- Dentures: $5000 USD in the US vs $700 USD in Mexico
- Teeth cleaning: $120 USD in the US vs $45 USD in Mexico
Getting Medical Appointments
In private care:
- Short waits, usually a couple days for a GP
- Around a week to see a specialist
In public care:
- Long lines form early for same-day appointments
- 11 week average wait for diagnostic tests
- 14 week average wait for surgeries
Having a Baby in Mexico
Most women give birth in maternity hospitals. Bring all your medical records and baby supplies. Costs vary by birth type and hospital.
In private hospitals:
- Birthing packages range from 25,000-50,000+ pesos
- Can choose room type (suite vs regular room)
- Separate fees for OB/GYN and pediatrician
Without insurance, a public hospital birth is around 5000 pesos. But you have less control over the experience.
Babies born in Mexico are entitled to Mexican citizenship regardless of the parents’ nationality. Expat parents may then qualify for permanent residency.
Preparing for Your Move
To ensure a smooth transition to Mexico’s healthcare system, take these steps before you go:
- Research hospitals and doctors in your new hometown
- Decide if you want public or private insurance coverage
- Check if your medications are available in Mexico
- Get copies of all important medical records
- Consider emergency evacuation insurance for serious situations
- Brush up on your Spanish, as not all doctors speak English fluently
Dealing with Emergencies
In case of a medical emergency, dial 911 just like in the US. Bilingual operators are usually available.
Other emergency numbers:
- Red Cross ambulance: 065
- Green Angels roadside assistance: 078
Key phrases to know:
- I need an ambulance – Necesito una ambulancia
- I need to go to the hospital – Necesito ir al hospital
- Where is the nearest hospital? – ¿Dónde está el hospital más cercano?
Staying Healthy in Mexico
Mexico’s warm climate and fresh food make it easy to maintain a healthy lifestyle. Some tips:
- Drink lots of purified water to stay hydrated
- Wear sunscreen, even on cloudy days
- Wash fruits and veggies carefully or stick to cooked produce
- Avoid ice cubes and unbottled water to prevent stomach issues
- Take advantage of fresh seafood and produce for heart-healthy eating
- Walk, bike or dance for fun, cheap exercise in the great outdoors
The Bottom Line
Moving to a new country is both exciting and overwhelming. Understanding Mexico’s healthcare system before you arrive will give you peace of mind.
With both public and private options, quality care is available at reasonable prices. Expats can access English-speaking doctors in modern facilities throughout the country.
By making smart choices about your insurance coverage and provider network, you can ensure a healthy transition to your new life in Mexico. Don’t hesitate to reach out to the expat community for advice and support along the way.
FAQs About Mexico’s Expat-Friendly Healthcare System
Is healthcare in Mexico affordable for expats?
Yes, healthcare in Mexico is much cheaper compared to the United States and other countries. Many expats find they can save a lot on medical costs.
Do expats need health insurance in Mexico?
While it’s not required, having health insurance in Mexico is a good idea. It helps cover unexpected medical expenses and provides peace of mind.
Can expats use public healthcare in Mexico?
Yes, expats can use the public healthcare system in Mexico. However, many prefer private healthcare for shorter wait times and better facilities.
Are doctors in Mexico well-trained?
Yes, many doctors in Mexico are trained in the U.S. or Europe. They provide excellent medical care and often speak English.
Is it easy to find English-speaking doctors in Mexico?
Yes, especially in areas with many expats. You can often find doctors who speak English in popular expat destinations.
What are the main benefits of Mexico’s healthcare for expats?
Affordable costs, high-quality care, and access to both public and private options are the main benefits. Many expats also appreciate the warm, friendly service.
Do I need to speak Spanish to use healthcare in Mexico?
It’s helpful but not necessary. Many healthcare providers in expat areas speak English, and you can often get by with basic Spanish.
Can I get prescription medications in Mexico?
Yes, most medications are available in Mexico, often at lower prices than in the U.S. You can get many over-the-counter without a prescription.
How do I find a good doctor in Mexico?
You can ask for recommendations from other expats, use online resources, or visit hospitals and clinics directly. Word of mouth is often very reliable.
Are there modern hospitals in Mexico?
Yes, Mexico has many modern hospitals, especially in larger cities and popular expat areas. These hospitals are equipped with the latest technology.
What should I do in a medical emergency in Mexico?
In an emergency, you can call 911 for help. Make sure to know the location of the nearest hospital and have emergency contacts handy.
How does dental care in Mexico compare?
Dental care in Mexico is high-quality and much cheaper than in the U.S. Many expats visit Mexico specifically for dental treatments.
Can expats access specialist care in Mexico?
Yes, expats can see specialists for various health issues. You can find specialists in both public and private healthcare systems.
Are there healthcare options for retirees in Mexico?
Yes, many healthcare plans cater to retirees, offering comprehensive coverage. Retirees can also benefit from Mexico’s low-cost healthcare services.
How can I pay for medical services in Mexico?
You can pay with cash, credit cards, or health insurance. Some clinics and hospitals may require payment upfront, so check their policies in advance.
Additional Resources and Information
- “How Expats Can Get the Most from Mexico’s Healthcare System” – ExpatDen Link: How Expats Can Get the Most from Mexico’s Healthcare System
Additional Articles About Mexico
Here are some additional articles about Mexico:
- Cost of Living in Ciudad Hidalgo, Michoacán, Mexico
- Cost of Living in Perote, Veracruz, Mexico
- Cost of Living in Loma Bonita, Oaxaca, Mexico
- Cost of Living in Cihuatlán, Jalisco, Mexico
- Cost of Living in San Francisco del Rincón, Guanajuato, Mexico
- Cost of Living in Minatitlán, Veracruz, Mexico
- Cost of Living in Linares, Nuevo León, Mexico
- Cost of Living in Santiago Ixcuintla, Nayarit, Mexico
- Cost of Living in Guamúchil, Sinaloa, Mexico
- Cost of Living in Múzquiz, Coahuila, Mexico
- Cost of Living in Huajuapan, Oaxaca, Mexico
- Cost of Living in Villagrán, Guanajuato, Mexico
- Cost of Living in Apaseo el Grande, Guanajuato, Mexico
- Cost of Living in Pátzcuaro, Michoacán, Mexico
- Cost of Living in Huauchinango, Puebla, Mexico
- Cost of Living in San Pedro Cholula, Puebla, Mexico
- Cost of Living in Tlapa, Guerrero, Mexico
- Cost of Living in Cosoleacaque, Veracruz, Mexico
- Cost of Living in Tequila, Jalisco, Mexico
- Cost of Living in Apan, Hidalgo, Mexico
