Option #2 IMSS
An employed Mexican citizen is eligible for a higher level of medical care than the basic Seguro Popular, and this is called IMSS (Instituto Mexicano de Seguro Social). IMSS is a system funded equally by the employee, the employer and the federal government. Luckily, expats are also eligible for IMSS if they meet the medical criteria and pay an annual fee. The main hospitals for this level are the Hospital IMSS on Calle 5 de Febrero and the IMSS specialist hospital on Calle Toronja.
How to Apply for IMSS:
Take your documents and photos to the IMSS intake center in the Soriana mall on Abasolo in La Paz.
For each person applying bring the following:
- passport plus 2 copies
- Residente Temporal or Residente Permanente visa plus 2 copies
- 2 copies of your marriage license, if applicable
- 2 copies of your CURP card
- 2 copies of your most recent CFE or phone bill in your name
- 3 passport/visa photographs
- application form disclosing pre-existing conditions
This entire package will be reviewed, you will be given a basic medical exam and you will be accepted or rejected. The process will take about a month in total.
Pre-existing conditions that may disqualify you:
- organ disease
- drug or alcohol dependency
If you are accepted by IMSS, you will have medical coverage for as long as you pay your annual fee. You cannot be disqualified. Obviously, you want to get this insurance while you are still healthy! However, even with all the necessary paperwork and without prior conditions, IMSS can still deny your coverage and no reason will be given. You then have the option to apply for Seguro Popular where no one is denied.
With IMSS all your medical care is without cost. All prescription medication, the consultations with the doctor, the specialists’ appointments, blood tests, pap tests, mammograms, dental extractions, plaque removal, x-rays etc are all included in your annual fee. Some level three care is not available here in La Paz, so patients with certain serious medical conditions will be flown to other cities on the mainland to receive care. For example, back patients might be flown to Ciudad Obregon, Sonora, for surgery, and certain types of cancers will be sent to Guadalajara for radiation.
HOW IS THE QUALITY OF CARE?
This most crucial question is a tough one to answer. If you ask that about ANY healthcare institution anywhere, you’ll hear good and bad, but my personal experience with IMSS has been excellent, and I have confidence in the medical care I am receiving. I don’t always enjoy the lineups for bloodtests or the time slots for appointments, but that is a small price to pay for full medical coverage.
My partner and I were both deemed eligible in 2011, and we paid 2300 pesos ($120 US) each for the year. The annual premium goes up a bit each year, and when you reach age 60 there is a comparatively large jump. So now at age 64 it’s 7300 pesos ($370 US) a year.
On Day 1 we were assigned to a certain “door” in the hospital clinic and to the attending doctor there. Every visit to the clinic we are weighed, blood pressure is taken and height is measured. (That last one always makes me smile.)
Not long after we became clients, it was discovered that my partner had a heart issue and I had a thyroid problem. Without IMSS it might have been several more years before we were diagnosed and treatment started.
A few years ago I was concerned about some possible skin cancer. My doctor sent me to a specialist, and a month later I was in the IMSS specialist hospital awaiting surgery. Wow, you’d think they were prepping me for a heart transplant...I was as sterile as the operating theater! 2 nurses, 2 surgeons, soft music, and me in my bonnet and boots. I was thoroughly impressed with the professionalism, organization and facilities. But more than that, I felt treated well…not just another body on the table. Yes, I had to jump through a few hoops to get there, but the care was warm, professional and inexpensive! And that about sums up my opinion of IMSS: It’s not the easiest and fastest route, but it is inexpensive and first-rate.