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Health and Medical Insurance Options for Mexico

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Mexico’s public health service does not have reciprocal agreements with any other country, and US Medicare is not available here so visitors and foreign residents need to make specific provision for their health care needs.  In the event of an incident that requires healthcare or medical attention, you’ll need to pay out-of-pocket, or arrange a health or medical insurance policy that is valid in Mexico and provide suitable cover for you and your partner/family in the event of an accident or illness.  This article explains the various options for visitors, extended stays, and foreign residents.

Health Insurance for Short Visits to Mexico

If you’re visiting Mexico for a short period —on a vacation or short business trip, for example— travel insurance policies which cover you for a limited time while you’re away from home should suffice.  These might be provided by your current healthcare provider (but double-check the small print), through an employer’s health plan if you’re here on a short business visit, or through purchase of a short-trip travel insurance policy.  You can learn more about short-term travel health insurance on our guide to insurance in Mexico.

Health Insurance for Extended Stays in Mexico

If you plan to be in Mexico for an extended stay, but don’t intent to take-up residence in Mexico – for example, you might take a sabbatical, a volunteer job, or plan to stay in Mexico for six months or less, then a short-term travel insurance policy might not cover your needs.  In these circumstances, you may consider a private health insurance policy that covers you locally and, if you retain health coverages in your home country, you might also consider taking out a medical evacuation plan in the event of a serious medical incident that requires you to be flown home for treatment and recovery.

Health Insurance for Foreign Residents in Mexico

If you intend to apply for, or have, legal residency in Mexico, a travel insurance policy won’t be valid as these are designed for people who come to Mexico for a short defined period and return to their country of residence.  If you have health insurance cover in your country of residence, the policy might cover you if you’re living abroad (but probably won’t) and in most cases you would need to evacuate back to your home country to avail yourself of any coverages.  Therefore, if you plan to reside in Mexico, you should consider health insurance coverages that will be valid and provide adequate care for your needs.  Here are the options:

Mexico’s IMSS Medical Insurance

Foreign residents (temporary or permanent) can apply for the Mexican public healthcare insurance system known an IMSS on a voluntary basis which provides access to certain doctors, clinics and hospitals in Mexico.  Some medications are also covered under this plan.  Coverage costs depend on your age; restrictions and limitations apply and, like all publicly-funded healthcare systems, patient demand is usually higher than the supply of services, so you may have to wait for care. (Note also that people who are enrolled in IMSS through an employer get priority over those who enroll voluntarily.)  This article explains the IMSS medical insurance system in Mexico.

Private Medical Insurance in Mexico

Most foreign residents who can afford to do so will take out a private medical insurance plan that covers their personal needs and gives them direct access to private doctors, clinics and hospitals in Mexico.  Policies are crafted to the individual situation of the person, couple, or family, and premiums depend on things like your age, term of coverage, coverages included, and the deductible you are willing to pay in the event of a claim.  You can complete this health insurance request and our associate will contact you personally to discuss your situation and needs, and provide a no-obligation quote for you to review.

Medical Evacuation from Mexico

If you are resident in Mexico and continue to have health coverage in your home country then you might consider a medical evacuation plan to enable you to get home for treatment and to convalesce close to your own doctors and family in the event that you experience a serious accident or health event (e.g. heart attack) while you are here.  Note that medical evacuation insurance coverages only cover evacuation costs in serious cases and so you’ll need to get routine or non-critical health matters attended to in Mexico.

The post Health and Medical Insurance Options for Mexico first appeared on Mexperience.


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The Cold Comes in Snaps and Waves

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Cold weather in the temperate areas of central Mexico comes and goes throughout the winter months in a series of “numbered fronts” that bring icy gusts which may also cause early frosts for a few days at a time. Then it warms up for a while before the next numbered front makes its way down from the US—Mexico’s principal trading partner and supplier of cold fronts.

One practical result of this polar disorder is that the interior climates in Mexican homes are usually a day behind the frequently-changing outdoor weather; remaining warm when it’s actually near freezing out, and vice-versa.

It’s therefore not surprising occasionally to see people dressed for the North Pole on relatively mild days, or shivering in shirtsleeves on cold days.

The timing of the cold fronts is uncertain, but there’s almost always one in the week of November 20, which apart from being the anniversary of the start of the 1910-1917 Revolution, is when the tree-farms on the hilly fringes of Mexico City usually start selling Christmas trees that you can cut down yourself.

Evidence that it can get quite cold in the central highlands is to be found in supermarkets, which each year set out an array of portable electric heaters at the front of the store, clearly visible as you step-in from the chill.  And early risers in the capital know how fridge-like the first Metro trains out of the shed can be on those nippy mornings, so it’s not unusual to see some particularly assertive commuter walking through the carriage slamming the windows shut—although this habit is less-frequent now as people prize fresh-air above warmth during the flu season.

Cold spells across Mexico’s central highlands can be felt anytime from late autumn through to early spring, although by mid-to-late February temperatures usually begin to rise appreciably, creating some windy days in March, as spring returns bringing back the warm days, and more light during the evening hours following the clocks change.

The post The Cold Comes in Snaps and Waves first appeared on Mexperience.
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Kings’ Day Gifts and Kings’ Loaf Traditions in Mexico

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Never a country to shirk its festive responsibilities, Mexico traditionally closes out its Christmas and New Year celebrations on January 6th, Día de Reyes or Three Kings Day.

Also known as Epiphany, the date marks the visit of the Magi to the Christ child: they are traditionally considered to have numbered three wise men, corresponding to the three gifts mentioned in the Bible.

For many years, Three Kings Day was the date when gifts would be given to Mexican children, who would put shoes out before going to bed on the evening of January 5th. Although this was gradually and inexorably taken over by the imported tradition of Santa Claus, families here maintain the tradition of giving children toys on Three Kings Day. Rather than the main course, this is for many a complement to the excesses of modern-day Christmas; “Por no dejar” —for the sake of keeping it— as some may say.

The continuation of Three Kings Day celebration is notable in the commercial world — toy prices in Mexican stores aren’t discounted to unload leftover inventory until around the second week of January, and the days leading up to January 5th can often see shoppers out late at stores and markets desperately seeking to fill last-minute orders.

The extravagant meals taken at Christmas and New Year are not repeated on Día de Reyes, but instead Rosca de Reyes (“Kings’ Loaf”) is eaten, usually with hot chocolate. The large oval-shaped cakes — sweet bread topped with crystallized fruit and sugar — are interspersed with little plastic dolls representing the baby Jesus. Whoever gets a doll in their slice, and you have to cut your own to avoid feelings of being cheated, is supposed to buy the tamales on February 2nd — Día de la Candelaria: a Catholic tradition celebrating the presentation of Jesus in the temple.

How many of the people who get the slices with dolls actually end up buying the tamales themselves is an open question. But you probably don’t want to gather for Rosca with people who insist on further slicing each slice horizontally to inspect for dolls: not the spirit you’d want to start out the year with.

Rosca de Reyes, of course, shows up in the shops long before January, just as Pan de Muerto is usually available long before Día de los Muertos—in some places as early as August.

There are other ways in which Día de Reyes marks the end of the long holiday season, sometimes referred to as Guadalupe-Reyes to describe the slow month between Our Lady of Guadalupe on December 12th and the grade schools going back for the new term around January 7th.

It’s also the time to start taking down Christmas trees, festive lights, and other seasonal decorations. But there’s no rush.

Candelaria on February 2nd isn’t a holiday in the sense of having the day off work, but it does come a few days before the Constitution Day holiday, which is celebrated on the first Monday in February.  That is also an official holiday, and for U.S. sports fans it has the added advantage of usually being the day after Super Bowl Sunday.

So tamales and American football. It doesn’t get much more convenient, or neighborly, than that.

The post Kings’ Day Gifts and Kings’ Loaf Traditions in Mexico first appeared on Mexperience.
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Elevation: Why 7,000 Feet Can’t Deliver a Free Lunch

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Mexico is a mountainous country, and many of its towns and cities away from the coasts are situated at elevations of least 5,000 feet above sea-level.

If you plan to live in Mexico, or visit here on a self-catering or camping vacation, a consideration to take into account is that the elevation (the land’s height relative to sea level) has an effect on food preparation, because water situated at higher elevation boils at lower temperatures.

The science is quite simple.  The atmosphere surrounding Earth creates pressure against all objects within it.  Barometric pressure at sea level equates to a little less than thirty inches of mercury, or 14.69 pounds per square inch.  At this pressure level, water boils at 100 degrees Centigrade, 212 degrees Fahrenheit.

However, the density of the air becomes thinner at higher altitudes (which is why it’s harder to breathe at higher elevation) and the pressure continues to drop constantly until you reach space, where there is no air, no density, and no pressure.

Water thus boils at a lower temperature because the pressure on the water molecules is lower at higher altitudes, requiring less energy for the molecule bonding threshold to be reached (the point at which molecules break away and coalesce into steam).  And so, because less heat (energy) is required to break up the molecules, the water boils at a lower temperature.

Boiling water, cooking, and baking at high elevation

Water doesn’t always boil at 100C/212F: For example, at 5,000 feet above sea-level water will boil at 94.9C (202.9F); at 6,000 feet water boils at 93.8C (200.9F); and at 7,000 feet water boils 92.7C (198.9F).  This online calculator works out the figures.

Tea and coffee: Some tea-drinking connoisseurs argue that coffee is a better beverage option when one is situated in high elevation, because tea requires a high water temperature to “steep” properly.  That’s probably more a matter of personal taste than science, but as staying well-hydrated is important when you’re situated at higher elevations, it’s worth noting that tea quenches thirst whereas coffee aggravates it.

Baking at high elevation in Mexico: If you’re accustomed to baking cakes and pastries in places situated at lower elevations, you’ll discover that the proportions of ingredients and the timings needed to complete the bake will need to be adjusted. This article shares some useful tips about baking at higher elevations.

General cooking: In terms of everyday cooking, you won’t experience an energy gain, i.e. use less fuel, to cook your meal because although the water reaches boiling point sooner, you need to leave your food cooking for longer.  An example is preparing a hard-boiled egg.  If it takes five minutes to hard-boil an egg at sea-level it will take proportionally longer at higher elevations; so any gain realized through lower boiling points is lost in the longer while it takes for the heat-energy transfer to take place.

This is another way of demonstrating that there really is no such thing as a “free lunch”—not even in high places.

The post Elevation: Why 7,000 Feet Can’t Deliver a Free Lunch first appeared on Mexperience.
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