As we move into the summer months, it might seem a bit early to talk about travelers insurance specifically for our snowbirds who will be returning in the fall. But, this gives one plenty of time to do the proper homework on their health insurance coverage. As well, many of those who live here full time will be traveling outside of Mexico to other vacation destinations in the summer. Travelers insurance is an important topic for them as well!
There are literally hundreds of travelers insurance policies out there. Some are excellent, some are good and some are downright awful. That is the reason it is so important to do the research so that one does not purchase a policy and then, have a medical emergency only to find out there is no coverage, that the patient must pay out of pocket for an admission, that pre-existing are not covered in the policy among other important factors.
What are the most important items to look for when choosing a travelers insurance?
- That the company will send a guarantee of payment to the private hospital for all fees. And that this is sent within 24 hours of admission.
- That the company is reputable and is accepted at the local private hospitals. Sure, the actual insurance company will say “yes, XYZ Hospital will accept your insurance” but in reality, some are NOT accepted due to various reasons.
- A good travelers insurance will include an air evacuation policy.
A vast amount of our patients assume that their home-country insurance will cover them here. In the United States, the majority of health plans are based on an in-network-only coverage. Out of network, especially outside of the home country, the person either has no coverage whatsoever or coverage is absolutely only via reimbursement.
It is very important to remember that no matter what, the only time insurance is accepted is for an admission. Physician consults, medications, Emergency Room visits, diagnostic studies must always be paid out of pocket and then submitted to the travelers insurance company for reimbursement (which we are happy to assist with).
We do not sell insurance in any way, shape or form BUT we are happy to refer one to a good agent (important!), answer questions as to what insurances are accepted at private hospitals here and provide guidance. Just send an email!
Rain and humidity brings more mosquitoes! It is the responsibility of everyone here to do as much mosquito prevention as possible. Please join us on June 12, 2018 at 9am as Dr. Jaime Zayas will speak on Dengue, Zika, Chinkingunya, Prevention, Diagnosis and Treatment. Learn the facts! Space is limited so an RSVP is required by email only: firstname.lastname@example.org. This is a no charge event. Very important information! Location Hospital San Javier Marina.
Here’s to an air-conditioned week!