Best Places To Retire Abroad - Get Full Details On Healthcare System Before Moving
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Mexican healthcare has both a private and a public system. Most Mexicans have health insurance from the government or their employers in the public system. Nevertheless, private healthcare has been growing steadily. If you are looking for best places to retire abroad and planning to move to Mexico, you should understand how the Mexican healthcare system works. We explain it to you in four steps. Since it is better to prevent, this guide will save you time and, in case you become sick, a headache or two!
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1. Everyone Has a Right to Healthcare The healthcare system is basically divided in three parts: two belong to public healthcare, and the third party is privately owned. In order to take care of Mexico’s 120 million inhabitants, the Mexican government has divided the public system into two: those people who are legally employed have their own health system (called IMSS and ISSSTE). Nevertheless, more than 70% of Mexican works are independent or work with no contract, so the government offers public hospitals and clinics to take care of them. On the other hand, the private system offers healthcare in a variety of ways. Small pharmacies have established their own private practice for very cheap. Specialty doctors give private consultation at very high prices. There is also a wide network of private hospitals as well.
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2. Who Takes Care of Employees Healthcare? If you work for the government, you will be part of ISSSTE, the Mexican healthcare provider for all bureaucrats. ISSSTE offers 1.182 hospitals all around the country. Some of them, like the Centro MĂŠdico Siglo XXI, are probably the best hospitals in the country. Most doctors from the public system are reknowned in their fields. These hospitals are also the best equipped in the country. ISSSTE offers several kinds of insurance as well as any kind of medical consultation for free. Workers deduct a part of their salary to contribute to the system every month. ISSSTE is a huge system. It also pays pensions for retired government works. It can help bureaucrats buy homes for their families with a separate fund called FOVISSSTE.
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If you work for the private sector, your employer will pay the IMSS, which is also a public healthcare system made for all paid employees. IMSS has around 1.000 hospitals and clinics. Everyday they provide around 500.000 medical consultations. Together with hospitals and consultations, IMSS offers childcare services and cultural and sports events for its affiliates. They offer theatres, soccer grounds, indoor pools and many other services that contribute to public health. Both ISSSTE and IMSS have been trying to organize their services with online booking, but since they are so big, it has been very difficult. Both IMSS and ISSSTE offer workers sick leave and pay for their salaries when they cannot go to work. If you employ people in Mexico, make sure you pay for their IMSS so the healthcare institute can take care of them and their families. Even if you employ someone eventually, it is a good idea to cover their insurance. And it is also cheap!
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3. Healthcare for Independent Contractors The Health Ministry in Mexico has a huge task: they must provide healthcare for people who own small businesses, work without a contract or have no job. Their hospitals are very well equipped. Doctors and nurses who work for this system are extremely well prepared. The main problem in this system is their lack of personnel and beds. As many as 30 million Mexicans did not belong to IMSS nor ISSSTE back in 2008 because they are informal workers. As a way to solve this problem, the Lopez Obrador government created a new healthcare institute called INSABI so that everybody would be able to receive healthcare. If you show your CURP or your birth certificate, INSABI can take care of you. This public system is very complex. It has the best specialty hospitals in the country. There is a children’s hospital, a cancer clinic, a whole hospital dedicated to nutrition and another one to psychiatry, among many others, like neurology and a geriatric clinic. If you have a CURP and a residence card, and you are not working for any Mexican employer, you can go to any of these hospitals to receive medical attention.
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4. Private Practice, Private Healthcare Private practice happens at several levels. Many doctors who are specialists offer private consultations in private hospitals. They are leaders in their fields. Most of these doctors work at least part time in public hospitals. They have seen thousands of patients, so they are really the best in their field. Mexican doctors have a strong work ethic. They work in both public and private practice. Both practices are equally important to them. Their experience from both sectors adds up to their knowledge. Most private hospitals have a list of doctors who work for them. You can book an appointment with them at any time. You don’t have to be a national to do that. Nevertheless, consider that sometimes even half an hour consultation can cost up to 200 USD or more.
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Recently, most pharmacies in Mexico have hired a doctor or two to open a small office in the same building. Here, you can go and get checked for mild sicknesses. Sometimes consultation is free if you buy the medicine you need from the pharmacy. Other times the cost is around $1 USD. Thanks to this system, many young women and men who finished medical school have found a job in Mexico. Many cannot afford to study a specialty, so they start working in these doctors’ offices. If you feel sick, we advise you to go early. You don’t need to book an appointment, but sometimes it can get crowded. Everyone can go there and sometimes, like in the case of Simi Pharmacies, they offer blood and urine tests as well as ultrasounds at a very low cost. So, if you are looking for best places to retire abroad and planning to move Mexico! Mexican Healthcare will provide any assistance you need.
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