It is advisable to have International Health Insurance while traveling to or living in Mexico. Having an International Health Plan gives a person, family or group a variety of choices when it comes to health care. For example, a person covered by an International Health Plan can choose a private hospital or any approved physician for their care. If a person is living between Mexico and their country of citizenship, an Intl. Insurance Healthcare Policy will cover them in both countries and even Worldwide, for a choice of policy limits that range from $50,000 US to as much as $8,000,000 US. Not having appropriate international health coverage might expose one or one's family to a significant financial liability and impede appropriate care, or to the family. Some things to consider:
Short Term International
Health Plans : Can cover a person for as little as 5 days up to 3 years outside their home country.
Visit www.azseguro.com
and review the policy benefits there. If a person lives permanently
outside their home country or for the majority of the year,
see International Major Medical Plans below.
International Major Medical Plans: These plans can cover a
person for a lifetime if they are living in Mexico or any latin america country, and can cover them for
limited stays in their home country too. Policies are renewable. These plans and
the short-term plans cover costs of Hospital & Doctors, Medicine, Local
& Air Ambulance, Reunion of Family Members, and offer 24hr a day, 7 days a
week support. There are more benefits than what is mentioned. For a free
consultation with no obligation, contact International Insurance-Seguros agency
at: www.globalmedicalplans.com
From Mex: 01-555-35-15282
From anywhere: USA Tel: 480-345-0191 or 1888-589-7748. Vonage:
480-445-9324. Our offices are in
Arizona. Email here:
- If a person has Medicare or
is un-insured, such a person might need pay out of pocket for their chronic
treatments in Mexico and some individuals purchase a medical air evacuation
policy. Most medical air evacuation-only plans have a 90 waiting period on
pre-existing medical conditions, with no medical coverage. Some individuals are
convinced that if they become seriously ill, they will buy a plane ticket and
return to the USA to utilize their Medicare benefits.
We convey to them that there is a significant financial risk here.
Mexico private hospitals usually require payment for medical services
rendered before allowing a foreign patient to leave the hospital, unless
the foreign patient’s insurer will issue a guarantee of payment letter. For
some, these medical bills can be significant.
-
There are short-term international medical policies such as the Multinational
Underwriters Atlas plan by Lloyds of London. There are no
medical underwriting questions, and the Atlas plan covers sudden, unexpected and
unforeseen medical expenses outside of the person’s home country of
citizenship. These policies are renewable from as little as 5 days for up to 36
months, Range of coverage amount is $50,000 to $1,000,000 Dlls. Coverage up to
age 75 and beyond. Generally there are limits to coverage of pre-existing
medical conditions. Chronic treatments are not covered. Visit
www.azseguro.com
- There
are International Major Medical policies from insurer BUPA Group (British United
Provident Association). BupaCare’s
plans allow a person to apply up to a maximum age of 74. The decision to accept
an applicant is made by a medical risk underwriter. BUPA Group has a subsidiary
insurer called IHI Danmark. Their IHI
Superior Plan has the best benefits I’ve ever seen on any health plan,
anywhere and people can apply up to age 80 years. There is no deductible, and
virtually everything Medical, Dental & Vision related is covered at 100%.
There are no exclusions for hazardous sports or activities of any kind on any of
the BUPA plans. More about these
plans can be obtained from us.
-
Multinational Underwriters has two international major medical plans, called the
CitizenSecure and CitizenSecure Economy. Both plans cover worldwide and give
options to include or exclude USA and Canada. The coverage maximum is $5 Million
Dlls. Maximum age to apply is 74 years old.
If they
apply before age 65, they can have lifetime coverage. If they apply
between the ages of 65 and 74, the policy will end at age 75. Visit
www.azseguro.com
- There
are short-term international medical policies such as the Multinational
Underwriters Atlas plan, usually someone buying this might maintain a major
medical policy in their home country of citizenship.
- Instituto
Mexicano del Seguro Social or IMSS, the Government Social Medical Program will
not cover chronic treatments for new applicants with resident visas.
- Usually
people in this age class hold a US Domestic health policy or have COBRA benefits
from a former employer. They may maintain their exiting policies and some return
to the USA for treatments of their chronic medical conditions. Or they may pay
medical expenses in Mexico, which are usually at a lower out-of-pocket cost.
People considered un-insurable and without medical benefits might
purchase a medical air evacuation policy. These
policies can be found at www.azseguro.com Those individuals considered to be in the un-insurable
risk class are sometimes afraid to move from the United States or Canada for
fear of being unable to secure medical coverage in Mexico. Some individuals in
this class have decided the benefits of living in Americanized Communities in
Mexico outweigh the risks and move to Mexico anyway.
- If a person has Medicare, they might pay out of pocket for their unexpected, unforeseen illness or injury in Mexico and some individuals purchase a medical air evacuation policy.
- There
are short-term international medical policies and international major medical
policies to cover such events.
International Group Medical Plans can range in size from two employees and beyond. No size limit. These plans can be custom designed with ease, based on the employers needs. Rates are usually lower than domestic USA group plans, and a group can be a mixture of people of any citizenship. Contact us about these.
Preventative
Examinations have an important purpose. These examinations might detect a
medical condition in the early stages before it grows and gains momentum. Traditional
domestic USA health insurance plans may have Wellness benefits in the USA but
the member usually cannot take advantage of these Wellness (health
checkup) benefits in Mexico. International Medical Insurance Carriers usually
have limited dollar amounts, which can be used for routine health check up
exams. This might be a disappointment to someone holding an international health
policy that may be accustomed to the rich wellness benefits of a USA Domestic
Health Insurer. Medicare and Medicaid covered individuals could benefit from an
International Medical Insurance policy or Stand-Alone Wellness Benefit plan
since USA government health plans do not cover Mexico.
Website
from Social Security Admin: http://www.ssa.gov/pubs/10137.html#whatyouneed
Canadian
Citizens lose their provincial Canada health benefits if they are outside Canada
longer than 182 days per year.
Short-Term medical plans are available.
There are
insurers offering Long Term Care Benefits. The benefits can be used to pay
expenses in Mexico for someone who can not perform at least
four of the six Activities of Daily Living (ADLs) without assistance.
Why Life Insurance?
The main purpose of life insurance is to guarantee a finance lender will be
repaid on your vacation property loan, a business loan or to provide cash to
your family or business partners after you die. The money your dependents will
receive (the "death benefit") is an important financial resource: It
can help pay the mortgage, run the household, and ensure that your dependents
aren't burdened with debt. The proceeds from a life insurance policy could mean
that they won't have to sell assets, homes, or rob retirement plans to pay
outstanding bills or taxes. What's more, there is usually no federal income tax
on life insurance benefits. Benefits will be paid in real US Dollars. Life
Insurance is a tool to protect partners who are in business together. Disability
Income Protection is an option which can be
added to International Life Insurance policies.
Medical Information For Americans
Abroad:
http://travel.state.gov/travel/tips/brochures/brochures_1215.html
The
situation of most individuals is unique, usually requiring a completely free
consultation. Please contact us for one.
This informational article was written by:
Tony
& Patricia Hamrick of International Insurance-Seguros Inc.
of www.globalmedicalplans.com
Alternate WEB: http://www.seguros-insurance.net
Skype ID: tdhamrick
Email Tony: Mex.
Tel: 01-555-35-15282
USA
Tel: 480-345-0191 Or Mobile
480-861-2112 Vonage Tel.:
480-445-9324
