One of the hot topic questions we receive from our Los O’Gradys in Mexico readers is about health care south of the border. Whether it is for travel or a move, people are understandably wanting to learn about the type, quality and cost of medical care in Mexico as well as the various insurance options.
Our experience for the past four years has been that minor things such as pediatrician visits, dental cleanings and vision checks for example, have been very affordable—$30.00 to $50.00 USD on average per appointment, depending on the specialty and treatment provided.
But what about the unexpected, more costly events or emergencies—an accident, a catastrophic illness, an act of terrorism, or in my case, partial paralysis when two of my spinal discs herniated. When we immigrated to Mexico in 2012, I was 44, in great health and never in a million years did I think that destiny would leave me temporarily wheelchair bound in 2015.
Out-of-pocket costs and upfront cash requirements can be very difficult and taxing on one’s bank account if something unforeseen and significant happens. Were I not to have had partial coverage through my husband’s retirement package, who would have been our preferred insurance carrier prior to leaving the States and beginning our expat lives?
After researching various options, we found GeoBlue International & Travel Medical Insurance to offer incomparable coverage. Their international health plans are written on U.S. paper and are true global contracts with no border restrictions or coverage limitations. Once underwritten, the client has a six-month pre-existing safety net clause. Their renewal rates are the same as their new business rates which is not the norm in the insurance industry.
For the outbound U.S. Citizen, GeoBlue has the clear advantage.
Did you know?
*U.S. domestic insurance has little or no ability to assist you while abroad. It is of utmost importance to read your certificate of coverage before a move.
*If a U.S. Citizen or legal resident is on an ACA Compliant plan it will terminate as soon the service area is exited—i.e. moving out of the country.
*A simple evacuation can cost as much as $60,000 just to get a plane and crew to where you are at.
GeoBlue International & Travel Medical Insurance provides coverage for Emergency Medical Evacuation including for injuries due to a terrorist event, which tragically is a reality of the world we live in right now. They maintain global networks in over 190 countries and have vetted providers that meet certain standards. GeoBlue makes arrangements for direct payment in whatever currency is needed and their concierge-level help is there to assist you throughout the whole process.
Had I been covered with GeoBlue prior to my spinal surgery, I would have received full and complete coverage for my treatment, surgery and follow up care. If I had chosen to return to the United States for treatment and if I had elected the U.S. Coverage option, I could have gone to the U.S. for care.
If you are planning to travel long term or live abroad, this may be the most important decision of your departure. Being properly prepared means being properly insured.
If you are interested in finding out more about GeoBlue International & Travel Medical Insurance, please contact Timothy Jennings at individualhealth.com. He is an authorized agent for GeoBlue, a stand-up gentleman of his word and will not lead you astray. Rest assured that you will receive an honest, solid quote for coverage and have all of your questions answered. Timothy is easy to talk to and makes an often complicated, layered issue easy to understand in a very straight-forward way.
With best wishes always for health & lots and lots of adventure,
SUBSCRIBE & STAY UP-TO-DATE WITH OUR ADVENTURES:
JOIN US ON FACEBOOK:
* Los O’Gradys in Mexico is proud to partner with GeoBlue, an International & Travel Medical Insurance Company of incomparable quality and sound reputation. We ONLY accept partnerships with entities that we feel 100% comfortable associating our name with, thus one of the reasons this platform in not filled with random advertisements.