I remember when we decided to move to Mexico, some of the worries were about medical, dental and were to get a car fixed if it breaks down. For the first couple of months of being here, I started researching doctors, vets and mechanics. Then we met people that lived here full time and got referrals and they showed us places we could go and how medical works down here. It is actually easier than I thought it was going to be and I worried for no reason.
There are quite a few options. Medical is very cheap here. My husband got an ear infection and so we went into the Costamed here in Tulum. Costamed is a hospital/doctor office. We walked in and up to the desk. They take down your info and asked if we were residents. We are, so the price was discounted. We waited maybe 5 minutes then my husband was called back. 10 minutes later we walked out with a prescription to be filled. It cost us 250 pesos. Around $12-13 USD. Can’t beat that.
There are pharmacies all around town, too, that you have prescriptions filled at or they sell just about anything over the counter that you would need a prescription to get. In some of those pharmacies, there is a room attached off to the side. It is what they call a consultation room. There is a doctor that is in there. You walk in, put your name on the list and then when it is your turn, which is usually around a no wait or maybe 5 minutes, he calls you back and diagnoses you and prescribes you what you need, if anything. That usually costs about 40-60 pesos. It is less than $5 USD.
Tulum also has a Hospital in town which is also excellent and slightly more expensive.
One of my main concerns with medical was my annual check-ups. I found a private doctor here in Tulum. Dr. Christop Gunzoni. He is a Medical Doctor and Chiropractor. That visit cost me 600 Pesos. About $35 USD. He sent me for my lab work, which is right next door to his office and gave me a prescription for my Mammogram, which I went to Hospiten Hospital in Playa del Carmen to have done. Hospiten is another set-up like the Costamed. It is not just for emergency, it is a walk-in doctor office, too. Dr. Christoph doesn’t do OBGYN, though, but he has a list of doctors that are in Playa del Carmen. The cost of my Mammogram, which was an ultrasound, was 700 pesos. Around $45 USD.
Mexico offers medical insurance here to Expats, just like they do in the States. There is International Health Insurance, Mexican Health Insurance and IMSS Healthcare Services.
International Health Insurance plans have policies for expats who live outside their home country either full or part-time. Most plans can be purchased to either include the U.S. or Canada or exclude them, which lowers the premium.
“If you are undecided about how long you will stay in Mexico, then perhaps a short-term solution such as traveler’s insurance may be best for you, at least initially. But if you are or will be a long-term expat in Mexico, you should be considering an international medical insurance plan, especially one with a high deductible to help you save on monthly premiums, particularly if you are a younger expat.”
International health insurance plans are usually less expensive than U.S. plans, unless you have a low deductible and supplemental insurance to cover things like disability, emergency evacuation and other special requirements.
Mexican Health Insurance is for only Permanent Residence status. You should know that sorting through Mexican health insurance options is made more difficult by some bogus insurance representatives who are not licensed by the government and operate in the shadows of a heavily regulated industry in Mexico. Doing due diligence is extremely important when considering purchasing Mexican health insurance.
“Expats looking for health insurance in Mexico should look for companies they can trust, that have been around for a while and, very importantly, provide customer service in English
One of the main differences between international and Mexican health insurance policies is how deductibles are handled. In Mexico, deductibles are usually assessed by disease or illness.
IMSS Healthcare Service is funded by the Mexican government and employer and employee payroll taxes and provides healthcare to those employed in Mexico and those who enroll on a voluntary basis. Expats who wish to consider this healthcare option require temporary or permanent resident visas.
IMSS has an extensive network of public hospitals throughout Mexico, although wait times for services can be long for non-emergency procedures. IMSS members who are covered through their employment receive preference over independent enrollees.
Quality of healthcare in IMSS facilities varies by area within Mexico but a recent IMSS customer satisfaction survey showed that 83 percent of its users were satisfied with medical services provided by IMSS.
I hope this was some good information to help your move here a little less stressful. Please remember though to do your research and reach out to the Expats already living here for Tulum medical questions. We are all family and here for each other.