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Expatriate Health Insurance

Question:

We are permanent residents of Mexico (US expats) and looking for private health coverage for Mexico excluding the US. Do these plans require us to pay for medical services up front and then get reimbursed? Do you have a participating network list of facilities that accept your insurance in Mexico? Who is underwriting the policy and do you have information on this company? Also why does your least expensive plan have an unlimited lifetime benefit versus the higher priced plans that "cap". Thank you!

Answer:

As an insurance broker, we have numerous plans available that could suit your needs. It is ultimately up to the provider whether they will set up the direct billing to the insurance company or not as they have control over their business practice. If you are asked to pay from your pocket you may file a claim for reimbursement for any eligible expense according to the benefits in the plan. When you view and quote the plans you will be able to see the underwriter listed below the plan name. For additional information you may also view the plan benefits and certificate wording.

You may view and quote here. Should you have additional question you may find more information at the below article or call our office at (866) 467-8289.

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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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