Posts
(the following is a post from an SMA group that was denied so I am posting it here)
No healthcare is free they all have a cost. If you look at the chart
below you will see that those in the top income levels will pay more
than IMSS for the services provided by Seguro Popular. Case in point, I
doubt that there are any Americans or Canadians living in SMA with an
income of less than 1000 dollars or roughly 13,000 pesos a month (39,000
pesos per trimestre) , there are always exceptions. If you are earning
this amount or show this as income on your FM2 or FM3 you fall into
decil IX or X which has an annual cost of 4800 to 6000 pesos.
below you will see that those in the top income levels will pay more
than IMSS for the services provided by Seguro Popular. Case in point, I
doubt that there are any Americans or Canadians living in SMA with an
income of less than 1000 dollars or roughly 13,000 pesos a month (39,000
pesos per trimestre) , there are always exceptions. If you are earning
this amount or show this as income on your FM2 or FM3 you fall into
decil IX or X which has an annual cost of 4800 to 6000 pesos.
If you work and earn pesos in Mexico, you may be able to reduce your
income amount through deductions of expenses but I am not sure if SeguroPopular looks at gross or net income.
There are some people who pay nothing for Seguro Popular, those in very
low income brackets. However, it is not free. We are all paying for
those who cannot afford it via our taxes or the costs listed in the
table below. If someone here is getting it for free, I would doubt the
credibility of their application information.
I think it would be wise to revisit which option of SP or IMSS would fit
an individuals needs as well as private medical insurance.
| Deciles de ingreso | Ingreso trimestral promedio por hogar | Cuota semestral | Cuota Anual |
| I | 3,537 | 120 | 240 |
| II | 6,157 | 180 | 360 |
| III | 8,395 | 300 | 600 |
| IV | 10,707 | 540 | 1080 |
| V | 13,284 | 900 | 1800 |
| VI | 16,511 | 1140 | 2280 |
| VII | 20,611 | 1500 | 3000 |
| VIII | 26,209 | 1800 | 3600 |
| IX | 37,502 | 2400 | 4800 |
| X | 90,224 | 3000 | 6000 |
So this chart shows that the maximum an ex-pat would pay into the Mexico Medical System would be $6000 pesos or $440 US per year? Compared to what they would have to pay in the USA, this is "free"!
ReplyDeleteRight, it is and that is my point. But there are some scam artists and some foreigners who think they can get it for free and they are. Some one is helping foreigners in SMA to fill out applications, telling them to lie so they can get the insurance for free, they are paying these people to help them. Worse is that foreigners want to get this insurance for free when it is so inexpensive. Amazing what lengths some people will go to.
ReplyDeleteThe insurance was initially meant for those who live in rural areas without formal incomes and the services of IMSS. Since then, the program has expanded. I just don't like the idea of people thinking it is free. We all pay, directly or indirectly. And it shouldn't be free. Without paying something, even a token payment, it is sending the wrong message to the population, that the government is helping them with another handout. Handouts don't exist.
And you're right, at 440 dollars a year you would think these people would be happy to pay it. Amazing how some people think. I'm paying 85 dollars a month and I think that is a steal for full coverage. Anyway.
That is way cheaper than the travel insurance we now pay.
ReplyDeleteMoving here is looking better & better.