Over the last few months, I’ve seen many people end up in the hospital for various minor and major emergencies … Most found themselves having to come out of pocket to pay upfront in order to be treated. 

In Mexico, they won’t treat you without payment; it ain’t like the U.S., in Mexico they don’t have to do a dam thang and most times they won’t; and if they do, you ain’t leaving that hospital until you pay in full.

Anyhow, on November 1st, the health insurance marketplace opens up for you to update and/or change your health insurance plans.

If you are planning a move abroad, or if you’re just traveling abroad, this is the time to look over your current insurance and verify if it’ll cover you for emergencies while abroad.

My family has dealt with 3 major medical emergencies this year in Mexico:

1. A huge tumor was found completely wrapped around my thyroid. It was so big it pushed my airway to the side and started to constrict it, which made it difficult to breath. They removed the tumor and my thyroid.

2. Haley was diagnosed with schizophrenia while here and that began a series of multiple trips back and forth to the hospital and emergency room visits for practically this entire year thus far.

3. Then out of the blue, Haley had a huge cyst (1 liter of fluid) that wrapped around her ovary (the ovary died), and they had to remove both the cyst and ovary.

My health insurance from the health insurance marketplace (ObamaCare) covered only 1 of the medical emergencies above. The way our plan was, it didn’t include the kids on our coverage (it automatically enrolled them into the State’s health insurance program for kids), and that did not cover anything here.

But, my insurance covered medical emergencies anywhere in the world and it covered mine (because i was admitted in the ER as an emergency). Unfortunately, I didn’t know that beforehand. Prior to getting admitted, I was paying for all sorts of tests and labs and x rays out of pocket.

So I’m bringing this up because this is the time to scour over the various options available to you in the health exchange and get an insurance plan that’ll cover you abroad for medical emergencies. This saved my butt.

I’m also gonna be updating mine to get my kids on our primary plan so they’re covered in the event of an emergency.

You can’t predict an emergency and you better have something just in case because Mexico and most other countries will NOT treat you without payment (or a guarantee from the insurance companies).

A friend of mine has local health insurance from Mexico and now the insurance company is refusing to pay; and this friend of mine had to fork over a large sum of money to get out of the hospital. He’s still disputing the case and hopes to get reimbursed. He’s fortunate to have had the money to pay it; but I promise you that most folks wouldn’t of had that kind of money on hand to pay the bill and would have been in trouble.

So I urge you to look over the plans and choose well … What you choose now will go into effect January 1st … So seriously, do this … Because when I did look at my claim that was paid by my insurance company, the bill was $32,000 US dollars.

Don’t get caught slipping … I’m praying we can make it the rest of the year without anything else significant happening.

I’ll send out another reminder for you on the 1st of November when the exchange opens up, and another notification in December so you don’t forget!

One last thing …

If you find that our content is helping you in any way as you plan your escape abroad, consider making a donation. It takes a lot of time and effort to put this content together to be a blessing to others. Your contributions are appreciated. 

I use donations like yours to take the girls out to make up for the time I’m away grabbing, recording and writing content. Your donations are helpful in renting cars (there’s a few beach towns and other cities outside of Merida I’d love to go film and share with you all – costs in Merida are rising and seeing other alternatives close-by may be helpful to you).

You can donate via any of the following methods (or show support with the purchase of our courses/consultation)

CashApp: $CartessRoss

Zelle: cartess@cartessross.com

Credit CardClick here

As always, do your research and plan a visit to see for yourself. Don’t get tricked into believing life abroad is all peaches and cream. Videos on YouTube make it all seem luxurious and fun. The reality is that it takes a lot of work coming into an entirely different culture where you’re starting over essentially. It’s brutal and most folks leave within months. So take your time and plan this out properly.

Cartess Ross

P.S. I’m happy to talk and discuss your concerns over the phone … If you’d like to chit-chat, book a telephone consult with me. Book a Telephone Consult – Click Here

I got a few other tutorials/courses if you’re interested:

Need a Remote Job to Support Yourself Abroad? Click Here

Find the Ultimate Rental Home in Mexico – Click Here

How to Plan Your Escape & Move Abroad – Click Here

About the Author

Cartess Ross

Hey ... I'm Cartess Ross and I moved abroad to Mexico 16-months ago in an effort get my life back! I needed to cut my expenses by more than 50% so I could save and start planning for retirement. I was able to achieve this without sacrificing my quality of life (in fact, it improved). You can do this too. Check out the free resources on the website and click the 'Academy' link at the top of the page to learn more about planning your escape abroad.

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