U.S. Health Insurance Options for Individuals Living in Mexico and Abroad
For many expatriates, retirees, remote workers, and frequent travelers living in Mexico or abroad, securing reliable health insurance can feel overwhelming—especially when pre-existing medical conditions are involved, including diagnoses associated with medications use. The good news is that several U.S. health insurance companies offer international plans designed specifically for individuals living outside the United States. These plans often provide stronger protections, broader networks, and more predictable underwriting than many Latin American or Mexican insurers.
Why U.S. Insurers Stand Out
Unlike many insurance companies in Latin America—which typically exclude or restrict coverage for pre-existing conditions—U.S. health insurance companies may offer coverage even if you have conditions such as diabetes, high blood pressure, high cholesterol, asthma, or other long-term diagnoses.
Instead of automatic exclusions, U.S. insurers often apply:
Premium surcharges (a percentage increase based on your condition)
Specific limitations or wait periods (depending on the insurer)
This approach makes U.S. plans an excellent option for individuals who may not qualify elsewhere.
Pre-Evaluation: A Key Advantage
If you take multiple medications or have a complex medical history, you don’t have to guess whether you'll qualify. U.S. international health insurers allow insurance agents like us to request a medical pre-evaluation before submitting a full application.
This process typically includes:
Submitting basic health information (age, diagnoses, medications, lifestyle factors)
Underwriter review to determine general insurability
Receiving an initial decision such as:
Approved with no conditions
Approved with a premium surcharge
Approved with specific exclusions or limitations
Not eligible under current plan guidelines
Receiving a list of required medical records for the formal application
This step gives you clarity and confidence before spending time gathering medical records or completing lengthy forms.
What Happens Next? Full Underwriting
After the pre-evaluation, the candidate can proceed with the full application. This includes:
A complete health application form.
Submission of requested medical records
Possible follow-up questions from underwriting
Once finalized, the insurer will issue a binding offer.
Why This Matters for Expats in Mexico
Healthcare needs don’t disappear when you move abroad, and pre-existing conditions can complicate coverage—especially in countries where underwriting rules vary widely. U.S. international health insurance offers stability, transparency, and access to high-quality global care, making it a strong choice for anyone who wants long-term, comprehensive coverage.
Get Your Pre-Evaluation Today
At Mexico Insurance Advisors, we help individuals and families living in Mexico find the best health insurance solutions for their unique needs.
If you have pre-existing health conditions, take multiple medications, or simply want to know your options, contact us today for a free pre-evaluation.
