Health Care Options for Expats in Mexico

One significant advantage of healthcare in Mexico is the cost. The overall cost of healthcare, including hospital services and prescription drugs, is generally much lower compared to the United States. In fact, the cost of healthcare in Mexico is often half or less than what one might expect to pay in the U.S., and prescription drugs manufactured in Mexico can be 30% to 60% cheaper than the same drugs in the U.S.

Every medium to large city in Mexico has at least one first-rate hospital, ensuring access to quality healthcare services. The medical care system in Mexico differs significantly from the profit-driven system in the U.S. In Mexico, decisions regarding patient care are not guided by profit motives, and doctors typically spend ample time with their patients, with some even performing house visits. This patient-centered approach is a notable difference from the U.S. healthcare system.

Mexico’s national healthcare system consists of two primary paths. The first is the IMSS (Instituto Mexicano del Seguro Social) system, which is part of the national Social Security process and was originally designed for employees throughout the country. However, expats who hold either Temporary or Permanent residency status in Mexico can also apply for the IMSS program voluntarily. The application process involves filling out multiple forms, usually in Spanish and may require multiple visits to complete the registration. The participation costs for IMSS vary based on age, ranging from $40 to $60 per month per person, and these rates change slightly on a yearly basis. It is important to note that some pre-existing conditions may prevent participation in the IMSS program, while others may allow enrollment after a waiting period.

The second option for participating in Mexico’s national healthcare program is INSABI (Instituto de Salud para el Bienestar). INSABI was established to provide medical coverage for all citizens and legal residents who are not able to participate in the IMSS program for financial reasons or due to pre-existing conditions. Unlike IMSS, there is no cost associated with INSABI, and it accepts all individuals without concern for pre-existing conditions. Expats with permanent or temporary residency can also seek treatment under INSABI. To access INSABI services, individuals simply need to visit an INSABI facility with their residence card and CURP (a unique identification number). 

INSABI is still meant for the poorer communities in Mexico. If you live in a middle class, upper middle- or high-class area you may not be considered as someone that is in need of this system since you could afford IMSS or private insurance.

INSABI

• Cost: Free
• Eligibility: All citizens and legal residents of Mexico
• Application process: Residence card and CURP
• No waiting periods

IMSS clinics and hospitals are generally a step above INSABI facilities, but both may have long wait times and lines. It’s important to note that while many doctors in Mexico speak English, the level of nursing care may differ in government hospitals, where friends and family are often expected to provide general bedside care. Private hospitals in Mexico typically offer a nursing experience more similar to that found in the United States.

IMSS

• Cost: $40-$60 per month per person
• Eligibility: Expats with Temporary or Permanent residency status in Mexico
• Application process: Multiple forms in Spanish, multiple visits
• Waiting periods: Possible for some pre-existing conditions
• May disqualify individuals based on where the applicant lives (indicating level of income)

Private Insurance

In addition to the IMSS and INSABI programs, there are a number of private health insurance companies in Mexico that offer coverage to expats. The cost of private insurance will vary depending on the level of coverage and the company you choose.

Self-Insured

Some expat take the approach to pay out-of-pocket for less costly medicla expenses and then return to the U.S. for medicare covered treatment for more costly procedures. Some even acquire medical evacuation insurance to be sure that they can get back to the U.S. for emergency care.

Regarding costs, paying out-of-pocket is an option for routine expenses and medical emergencies. Mexico’s hospital system includes a mix of government-operated hospitals and clinics, as well as private hospitals. Before receiving treatment, the cost is typically quoted in advance to avoid any surprises, and payment must be made before leaving the hospital. The cost of elective procedures is usually paid upfront, and surgeries and procedures in Mexico generally cost about a third of the price compared to the United States.

To provide an idea of typical fees charged for services and procedures in Mexico when paid out-of-pocket, here are a few examples (prices will vary based on location and specific medical needs):

• Routine Doctor Visit: $40 to $50
• Routine Dental Exam: $40 to $50
• Specialist Exam: $50 to $75
• Complete Blood Work: $50 to $80
• X-Ray: $24 to $30
• MRI: $300 to $500
• Dental Cleaning: $30 to $35
• Standard Filling: $45 to $50
• Dental Extraction: $50 to $55
• Single Implant: $700 to $900
• Crown: $400 to $450
• Dentures: $350

In conclusion, healthcare in Mexico is generally considered excellent and affordable, with many expats benefiting from the quality of care and lower costs compared to the United States. However, it is important to note that the healthcare system in Mexico operates differently from the U.S., requiring expats to navigate and understand the unique processes and potential language barriers. It is recommended to research and consult with healthcare professionals and authorities to ensure accurate and up-to-date information regarding healthcare options and costs in Mexico.

Here are some additional tips for expats considering healthcare in Mexico:

• Do your research. There are many different healthcare options available in Mexico, so it is important to do your research and find the one that is right for you.
• Consider your needs. When choosing a healthcare plan, it is important to consider your specific needs. If you have any pre-existing conditions, you will need to find a plan that covers them.
• Be prepared to pay out-of-pocket. Even if you have health insurance, you may still need to pay some out-of-pocket costs. It is important to be prepared for this.
• Learn about the language barrier. If you do not speak Spanish, you may have difficulty communicating with healthcare providers. It is helpful to learn some basic Spanish phrases before you go to the doctor.
• Be patient. The healthcare system in Mexico can be slow-moving. It is important to be patient and understanding when dealing with the healthcare system.

With careful planning and research, you can find affordable and quality healthcare in Mexico.

All images and text © 2023 James M. Sims unless otherwise noted.