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Tretyakovskii



Joined: 14 Aug 2009
Posts: 462
Location: Cancun, Mexico

PostPosted: Fri Feb 24, 2012 4:31 pm    Post subject: IMSS Reply with quote

Nobody seemed interested in my suggestion to discuss IMSS in a seperate thread, but I will. Guy asked,
Quote:
How do they calculate your premiums when you enter voluntarily (which I assume means independent of an employer for you)?

You're right to think it's based on age, and mine, at just over 3,000 pesos is the top rate. The annual premiums are adjusted, each year, based on the national rate of inflation in Mexico.
Quote:
I was looking over the IMSS site and couldn't find reference to an age limit to enroll, though maybe it's buried in the application somewhere. There's mention of a few services you can't get until after having been on the system for a bit, such as no coverage for a birth until after 10 months, and several other procedures until after a year.

That's also right, Guy, the range of procedures covered the first year is said to be limited to primary care; but, the system is generous and will take care of you if you have an emergency in the first year, in spite of this stated limitation. In my case, all restrictions were removed after the first year [though the literature suggests there would be restrictions on coverage for orthopedic surgery (non emergency nature) in the second year, but not the third and beyond].

Quality of service, in my experience, is not the best money can buy at any price, but it is the best you could ever hope to buy at the price it actually is. All services are provided free of additional charge, after payment of the annual premiums, including all prescriptions, and the range of services available is virtually unlimited at the IMSS Regional Hospitals. The one here, for example, has twelve very modern hemodyalisis machines.
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Guy Courchesne



Joined: 10 Mar 2003
Posts: 9650
Location: Mexico City

PostPosted: Fri Feb 24, 2012 4:59 pm    Post subject: Reply with quote

I was pretty down on IMSS when I first arrived here, purely on the horror stories of other people. A family member of my ex-wife's was left completely paralyzed due to a serious screw up on the part of an IMSS doctor in Veracruz. But, I realize there are always going to be such stories and exceptions to the rule.

Now that I'm a father of two making use of IMSS, I agree with your assessment. The quality of care is good, but the system is overburdened. We've used them for vaccinations (great level of care and service), regular child check-ups (decent level of care), and pre-natal mommy check-ups (unimpressive level of care).

I remain leery of IMSS at critical levels of care though. I don't think we would go to them if a very serious health emergency arose.

One doesn't automatically think of it, but daycare is an important part of the IMSS package. We're happy with the service our daughter is getting at our local IMSS daycare.
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Tretyakovskii



Joined: 14 Aug 2009
Posts: 462
Location: Cancun, Mexico

PostPosted: Fri Feb 24, 2012 5:21 pm    Post subject: Reply with quote

Quote:
I realize there are always going to be such stories and exceptions to the rule.

You're right to be wary, no matter where you seek medical care. In the U.S. there are over one million officially recognized acts of medical malpractice per year, with over one hundred thousand deaths.

With IMSS, you have to manage the care as well as you can. The best results I've heard of involved people who had connections of some sort to the doctors who worked within, and they had their cases and conditions receive more personal, and better attention.
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Guy Courchesne



Joined: 10 Mar 2003
Posts: 9650
Location: Mexico City

PostPosted: Fri Feb 24, 2012 5:32 pm    Post subject: Reply with quote

Following that thought, one thing I wasn't aware of before is that many IMSS doctors only work there part time. They also work at private hospitals, clinics, and in their own practices. Many do so in order to qualify for a better government pension package.

So while you might think to head to the most expensive hospital in the land expecting a top doctor, you're just as likely to find him or her at an IMSS facility - though not necessarily by request.
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MotherF



Joined: 07 Jun 2010
Posts: 1450
Location: 17�48'N 97�46'W

PostPosted: Fri Feb 24, 2012 5:51 pm    Post subject: Reply with quote

I'm very happy with my IMSS coverage (through employer) I live in a small city and the hospital is still classified as "rural" and way to small for the population, which is the main problem. I'd hate to think of what we'd do in a serious trama, because their ER is really really basic.

IMSS (and ISSTE) runs three shifts so yes, the doctors often have a private practice outside of their IMSS shift time. What IMSS pays is not really competitive, but the long term benefits are top notch (similiar to public school teachers).

I don't really like this aspect, but I've found that as a foriegner, I can see I get treated better than the people before or after me. Also when I was in the hosptial after my c-section, a student nurse asked the nurse why I got X pain killer but the woman next to be who also had a c-section only got Y pain killer. The answer was that I was la asegurada and the other woman was on seguro popular.

I'm also in favor of using IMSS for as much as possible, because the doctors do not gain finacially from my being sick. I've found that private doctors here seem to want to "keep customers coming back" so they don't promote health, but the treatment of illness. Same goes for the Similiares folks where a doctor who works there confided that they are actually pushed to prescribe as many things as possible because the company profits from drug sales not from doctor visits.
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Guy Courchesne



Joined: 10 Mar 2003
Posts: 9650
Location: Mexico City

PostPosted: Fri Feb 24, 2012 6:04 pm    Post subject: Reply with quote

The whole experience of doctor shopping or having to consider that some are pill-pushers was completely alien to me as a Canadian...I imagine it's something you Americans are more used to.

I've seen some quack private docs here to be sure. We did luck out with the private doctor that delivered both our children. My mother works in health care in Canada and was also impressed with her level of care.

It seems reasonable to think that Similares doctors would push everything they can from the pharmacy, but my experience with them has been otherwise. My daughter needed antibiotics for a throat infection...twice. Both IMSS and Simi prescribed the exact same meds.

Good thread BTW...lots of info
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BadBeagleBad



Joined: 23 Aug 2010
Posts: 1186
Location: 24.18105,-103.25185

PostPosted: Fri Feb 24, 2012 7:41 pm    Post subject: Reply with quote

Guy Courchesne wrote:


Now that I'm a father of two making use of IMSS, I agree with your assessment. The quality of care is good, but the system is overburdened. We've used them for vaccinations (great level of care and service), regular child check-ups (decent level of care), and pre-natal mommy check-ups (unimpressive level of care).

I remain leery of IMSS at critical levels of care though. I don't think we would go to them if a very serious health emergency arose.

One doesn't automatically think of it, but daycare is an important part of the IMSS package. We're happy with the service our daughter is getting at our local IMSS daycare.


That is pretty much my experience, except for the pre-natal care, I had excellent pre-natal care, but like you, I doubt if I would use IMSS for a complicated emergency. Something like a broken bone, or a more routine emergency, yeah, I think they would be OK. The good news is that even private hospitals are quite inexpensive when compared to the US. One of my brother's in law works at Hospital Juarez, generally considered to be one of the best in Mexico City, so that would probably be my first choice.
There is another small hospital run by an order of nuns that I have used on occasion, that is excellent, and extremely inexpensive. No one is turned away because of lack of ability to pay. People come from all over Mexico City to go here.

http://hospitalito.com.mx/aniv80.html
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Tretyakovskii



Joined: 14 Aug 2009
Posts: 462
Location: Cancun, Mexico

PostPosted: Fri Feb 24, 2012 8:16 pm    Post subject: Reply with quote

Quote:
So while you might think to head to the most expensive hospital in the land expecting a top doctor, you're just as likely to find him or her at an IMSS facility - though not necessarily by request.

This raises a possible strategy for getting the best of both worlds, as suggested by my wife. It goes like this. When you need a doctor, but aren't facing a large medical expense in getting treated, you see the IMSS connected doctor as a private patient, getting to know them and they you. Then, when you are facing something major, you contact them and they steer you through the IMSS system, knowing how it works and what levers to pull to get you the best care.
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New Haven



Joined: 05 Nov 2005
Posts: 52
Location: Merida, Mexico

PostPosted: Thu Mar 08, 2012 5:06 am    Post subject: Reply with quote

I used IMSS during my first go-round in Merida 2006-2009. They were fine for routine check ups. Not so fine for dealing with what turned out to be a rather rare neuromuscular disorder. I don't fault my IMSS practioner for failing to properly diagnose the problem, but rather for listening to my explanation of the symptoms and nonetheless insisting thatwhat I had was a circulation problem. Persistent numbness in legs, weakening of muscles, leading to difficulty in walking -- all of this unfolded over a period of 6 months or so and involved two IMSS visits ---yet I could not convince my PCP that I had a neuromuscular problem. It was obvious. Even I knew that.

Actually she may well have known that, but the "rules" required that I first see an angiologist. If that didn't work, then I could eventually see a neurologist. I returned to the US where I was properly diagnosed and treated.

IMSS is the governmental bureacracy writ small. One must jump through hoops and work one's way up the ladder in order to receive a response appropriate to the situation. But by then you may be half dead.

Sharon
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MotherF



Joined: 07 Jun 2010
Posts: 1450
Location: 17�48'N 97�46'W

PostPosted: Thu Mar 08, 2012 2:48 pm    Post subject: Reply with quote

In my opinion it's also very important to keep in mind that your primary care phsycian at IMSS is not really a "doctor". He or She is a medic, with a Bachelor's degree in Medicine. Only the specialists have graduate level studies.
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New Haven



Joined: 05 Nov 2005
Posts: 52
Location: Merida, Mexico

PostPosted: Thu Mar 08, 2012 8:38 pm    Post subject: Reply with quote

I had no idea, MotherF. Thanks for the information. That explains a lot.

Sharon
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