IMSS is Available to Foreigners
Understand how IMSS works, see the article below "Health
care in Mexico: How the IMSS works" By Michael Forbes,Guadalajara
Reporter, Friday, March 04 2011
join the system you must:
- Have valid visa -
Residente Temporal or Residente Permanente
- Prove Citizenship
- Marital Status
- Birth Certificate
- Provide two
- Last Utility Bill (phone or electricity bill)
- CURP Number
(Population Code # obtained through Immigration office)
- Blood tests and
other tests as required
There is no age limit. There are now many limitations regarding pre-existing
conditions and you will learn all these details and more on a Focus Program.
The cost for IMSS is on a per person basis and varies, dependant on age,
from $150 if in your 20's up to to $350 USD per year (if in your 70's). Although they quote the coverage as “all
inclusive,” most foreigners (Mexpats) use IMSS coverage only for emergencies,
but for day-to-day issues, they use local doctors who charge by the visit.
Prior to 2011 it was
a lot easier to join IMSS but since there many people have been turned down due
to pre-existing conditions.
You will not be eligible for IMSS
health insurance if you have any of the following medical conditions (and this is only a partial list):
- Allergy or asthma
- Chronic diseases of the blood
- Cancer or tumors
- Diabetes mellitus with:
- Renal failure
- Peripheral circulatory failure
- Heart diseases
- Liver diseases
- Nervous disorders or chronic psychiatric issues
- High blood pressure
- Rheumatism or arthritis
- Stomach ulcer
- AIDS or HIV positive status
- Congenital diseases (from birth)
- Chronic bronchitis
- Vascular incidents or strokes
- Deformation or movement limitations by accidents or
- Alcohol addiction
- Toxic substance addiction
approved, the coverage is quite broad and includes consultations, tests,
hospitalization, surgery and medicines. It also includes basic dental and
optical; but only within the IMSS structure - their doctors, clinics and
hospitals. The facilities are quite basic, the waits are long and you will need
to have a translator.
After you receive your card, you need to go to
the local IMSS clinic so that they can assign you to a Doctor, as well as the
time (morning or afternoon) when you can be seen for an appointment.
You will need to take the following with you:
- IMMS cards given to
you when you register
- Validation of
- Your health questionnaire…if
you have used an agent to help make the process easier, make sure you get
a copy of this form to take with you.
new Chapala IMSS (Instituto Mexicano del Seguro Social) clinic is at 95 La
Estacion—turn left at the recently refurbished old railroad station and go
four blocks or so.
you do not speak Spanish, you will need to take someone with you to all
appointments. In the first level of IMSS, very few people speak English. You
walk into the building and head upstairs to sign in. Turn to your right once
you get upstairs. There will be a lady sitting at the desk to whom you will
give your paperwork.
are some drawbacks to IMSS and you will get the whole story from our health
care expert on one of the Focus on Mexico programs. Our Expert Speakers do
not speak through rose-colored glasses. You'll get the good and bad
so you can make an informed decision. It’s important for you to get the
pros and the cons.
with many government run Health Care institutions, the IMSS is not without its
bureaucracy. Most foreigners will take the IMSS plan and use it strictly for
emergencies. Then they sign up for the Maskaras Clinic Discount
Program to cover their day to day issues and annual checkups, etc. In the last few years more people have been turned down than accepted due to pre-existing conditions. One of the downsides is you pay your fee when you apply and once your medical tests are done, if they turn you down, they do not refund you the fee. We have also had some cases where people were in IMSS for some years and then had a serious medical issue and were told this was a pre-existing condition and they were not covered.
Due to all the issues with IMSS, Focus on Mexico realized we needed to find an alternative for our Clients. After a lot of research of many Health Insurance Options we found a fantastic alternative. We are happy to report that we have now put
together our Focus Best Doctors Health Care Plan for Worldwide coverage
up to $750,000 USD per year, with a low deductible of $3000 USD and an annual
premium of only $1090 USD and pre-existing conditions are automatically covered
after 12 months. Best of all you are eligible to get a second opinion from the
top 5% of the best doctors in the world.