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Old 05-28-2017   #1 (permalink)
beachaholic
 
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Retiring and all that jazz

Plan to retire end of the year, apply for a permanent visa, stay in our new house Jan - March, and rent a car until we buy one. We plan to be snowbirds the first year or two and then hope to move to the Playa area.

Is it accurate that my spouse does not need apply for a visa with me, but can visit on the FMM card and qualify for the permanent visa once I am approved? One note, when I apply at the Mexican consulate here at home I will be using 12 months of bank statements to meet the income requirement (and our title) because we will not yet have an income stream to show since I will have just retired. So i assume I would need to show a sufficient balance that qualifies a couple. But does my wife need to go to the consulate, and does she need to apply?

Any recommendations on auto dealerships and on insurance agencies?

Any recommendations for a facilitator in the Playa area for completing the visa process there?

Still researching the medical situation, I won't qualify for Medicare for another 4 years and so we will need healthcare coverage in both the US and Mexico starting in January. Having coverage in both countries is going to be expensive I assume. Once we move I understand it makes sense to self-insure in Mexico for doctor visits and minor issues and get insurance for major issues, any advice there would be appreciated.

Appreciate any feedback from those who have this experience!
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Old 05-28-2017   #2 (permalink)
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Originally Posted by crmoores View Post
Plan to retire end of the year, apply for a permanent visa, stay in our new house Jan - March, and rent a car until we buy one. We plan to be snowbirds the first year or two and then hope to move to the Playa area.

Is it accurate that my spouse does not need apply for a visa with me, but can visit on the FMM card and qualify for the permanent visa once I am approved? One note, when I apply at the Mexican consulate here at home I will be using 12 months of bank statements to meet the income requirement (and our title) because we will not yet have an income stream to show since I will have just retired. So i assume I would need to show a sufficient balance that qualifies a couple. But does my wife need to go to the consulate, and does she need to apply?

Any recommendations on auto dealerships and on insurance agencies?

Any recommendations for a facilitator in the Playa area for completing the visa process there?

Still researching the medical situation, I won't qualify for Medicare for another 4 years and so we will need healthcare coverage in both the US and Mexico starting in January. Having coverage in both countries is going to be expensive I assume. Once we move I understand it makes sense to self-insure in Mexico for doctor visits and minor issues and get insurance for major issues, any advice there would be appreciated.

Appreciate any feedback from those who have this experience!
On the spouse thing:

I came down with a residente temporal visa affixed to my USA passport. It is very important to show that to the immigration folks at the airport and make sure he/she checks the correct checkbox on your migration form.

The Mexican consulate in Portland would not approve me for permanente because I did not yet have six months of retirement income at or above the permanente level. I had two months and letters from my pension system and SS saying that would be continuing, but they required 6 months of retirement deposits at or above that level. For temporal, they did not care where the income came from.

My wife came in on a 180 day.

Once that is done, you have 30 days to start in the in-country part of the process. I used a facilitator in Merida to do that. Once that was done and I have my temporal card in hand, the facilitator helped Kathy apply for temporal status. It was based on the fact that she is my wife. We had to get a notarized statement from the consulate affirming that, despite the name change between her birth certificate, marriage license and her passport that she was, indeed the same person. I had to sign a statement saying she was my economic dependent and I would support her.

It worked all right. I would suggest you retain a skilled facilitator. Folks in Playa can probably recommend one or two.

Last edited by roni; 05-28-2017 at 11:34 AM..
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Old 05-28-2017   #3 (permalink)
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I believe the very best facilitator in town is Pepe Salazar.
An incredibly knowledgeable and super nice guy.
pepeplayacar at yahoo dot com dot mx.

I agree with Roni. You will probably have to show pension income to qualify for permanent status.
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Old 05-28-2017   #4 (permalink)
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Originally Posted by Babaloo View Post
I believe the very best facilitator in town is Pepe Salazar.
An incredibly knowledgeable and super nice guy.
pepeplayacar at yahoo dot com dot mx.

I agree with Roni. You will probably have to show pension income to qualify for permanent status.
Or have a certain level of financial assets, depending on the consulate
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Old 05-28-2017   #5 (permalink)
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Another vote for Pepe.
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Old 05-28-2017   #6 (permalink)
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Thanks Roni, I plan to contact the consulate with questions before I make an appointment and will confirm the spouse requirement.

Yes with no income stream you can qualify with 12 mos of bank statements at a min level, no concerns there.

Thanks for the facilitator recommend!
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Old 05-28-2017   #7 (permalink)
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Originally Posted by crmoores View Post
Thanks Roni, I plan to contact the consulate with questions before I make an appointment and will confirm the spouse requirement.

Yes with no income stream you can qualify with 12 mos of bank statements at a min level, no concerns there.

Thanks for the facilitator recommend!
I did not ask the consulate about the spouse thing. I found it on the web and in talking to folks who knew about it.
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Old 05-28-2017   #8 (permalink)
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Originally Posted by roni View Post
I did not ask the consulate about the spouse thing. I found it on the web and in talking to folks who knew about it.
I've seen similar reports and it was a question I had, I'll report back if I get a response from the consulate...without that I guess we're both applying as planned.
Look forward to updates to your blog when you get the urge!
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Old 05-28-2017   #9 (permalink)
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Anyone have an experience with private health insurance as a snowbird (coverage in the US and Mex)? Not Medicare or through work, but your own policy?
Obviously it will be easier once we've moved to Mexico, and I am ready for that, believe me. But I know my wife will need a year or two before she's "all in".
Thanks, great information here!
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Old 05-28-2017   #10 (permalink)
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Quote:
Originally Posted by crmoores View Post
Anyone have an experience with private health insurance as a snowbird (coverage in the US and Mex)? Not Medicare or through work, but your own policy?
Obviously it will be easier once we've moved to Mexico, and I am ready for that, believe me. But I know my wife will need a year or two before she's "all in".
Thanks, great information here!
I found a guy named John McGee whom I think I read about in International Living magazine. I have talked to him a few times and he is a very nice guy and explains things in great detail.

He told me that if we were to stay out of the US for 181 days, then we would qualify for the international health insurance plan without the necessity to have any US plan. He also indicated that the coverage could be extended to cover you world wide, including US. I think that option for a family of 3 put our yearly premium amount at $2400/year or something like that. The insurance group was AXA, the plan was "Select Choice". The prices we were quoted were with $1,000 deductible.
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Old 05-29-2017   #11 (permalink)
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Originally Posted by sanluisdavid View Post
I found a guy named John McGee whom I think I read about in International Living magazine. I have talked to him a few times and he is a very nice guy and explains things in great detail.

7 Lifesaving Secrets” that Ex-Pats Must Know Before Purchasing Private Global Medical Insurance
By John W. McGee
Recently Interviewed on ABC Affiliate Radio,
“The Expat Show”
For most Expatriates, purchasing a quality private global medical insurance policy for you and your family can be quite intimidating and confusing…while others may view it as a non-event because they see it as an unnecessary added expense. Anyway you look at it, I’m going to tell you the reasons why you need some coverage (catastrophic cover at least) and the 7 Lifesaving Secrets you must know before purchasing a private global policy.

1) Always do your due diligence on the financial strength & claims paying ability ratings of the companies you are reviewing. Never choose a company with a rating less than A (excellent) by Standard & Poor’s or Moody’s.
2) Since 1992, I have found that the most important secret that have saved several of my client’s lives has been the Broker/Client relationship. Even with today's automated online quotes and applications, which unfortunately the client rarely knows who their representative really is, I ALWAYS call or e-mail my clients personally to introduce myself and let them know I’m here to make their life easier during any event (coordinating air evacuation, assisting in answering any questions, following up on submitted claims reimbursements and anything they need!) Example: I have a client that lived in the oil fields of Venezuela, not near a quality hospital, but nearer to local clinics. My client John had a massive heart attack and needed immediate assistance to not only save his life, but if he lived, maintain a quality of life he would have to endure for the next 25 years or so. Anyway, his wife called my personal phone and was panicking; she called the local ambulance to get him to a local cardiologist, but he could do little other than telling her to get him to the USA as soon as possible for a lifesaving bypass surgery. I called the insurance company and organized the air evacuation rondezvous; within 24 hours the jet was on the ground, medics were able to stabilize John and fly him to a well qualified hospital in Houston that performed a quadruple bypass. Today, 26 months later, John is in the best shape of his life, he plays 18 holes of golf a week and he just told me he’s going dove hunting this season. Oh, the medical bills exceeded $300,000 and John paid his deductible of $5,000 and the insurance company paid the rest! The point is, YOU MUST have a broker that is willing to get into the mix when needed; your chances of surviving depend on it!
3) Choose a plan that allows you freedom to pick a hospital or doctor globally. Many plans hinder your choice and only pay claims when attending the insurance company’s network of hospitals or doctors within a certain region. If I have a client that wants to go to John Hopkins in the USA or the Assistance Publique Hopitaux de Paris in France…then they should have that right. Some plans do offer extensive networks of hospitals when inside the USA & Europe and if you decide to go outside that network you may pay a small addition toward co-insurance, but the point is you have that option and are not tied into one choice.
4) Purchasing a policy that includes “Air Evacuation,” as the story indicates above, is a MUST have option for expatriates living or traveling from their initial country of citizenship!
5) A client in today’s world MUST be proactive in understanding the benefits & exclusions of their Private Global Medical policy. As an insured, you must picture yourself as a partner with the Insurance company, not submitting fraudulent claims, informing them in advance when a future surgery or procedure must be performed. Understanding the lifetime benefits and maximums for other benefits…or taking advantage of the $150 to $500 annual physical check-up benefit, which most insurance company’s reimburse from the 1st dollar… is really your obligation. If you are willing to take a few minutes and review the benefits, you will know how to best utilize these programs. You can’t walk into a hospital or specialists office and make an appointment for a knee replacement surgery without informing your insurance company. The malpractice I’ve witnessed in different parts of the world over the past 16 years has sometimes been border line criminal. Once a client had a slight tear in the ACL and the doctor didn’t even mention physical therapy but wanted to perform reconstructive surgery immediately or the client that had lumbar herniated disc and no mention of spinal manipulation or other exercise therapy, but a fusing procedure that could have left this client really messed up and uncomfortable for life, not to mention the $20,000 he wanted to get out of the insurance company. Pre-Certification is the process of informing the insurance company beforehand that a surgery has been requested. Note, if you are in an accident the insurance company does not need to OK it if is life- threatening, but for surgeries you know in advance, it’s wise to give the insurance company a heads up or you will face heavy penalties when paying or getting reimbursed for the claim. You don’t have to be a lawyer to understand the policy; ask you agent to explain it in general terms and the do’s and don’ts in the policy details.
6) Completing the application correctly. You don’t want to find out 1 year after the activation of the policy that you go to a doctor for some type of immune deficiency disorder and once the insurance company realized that 3 years earlier (by requesting past medical history) you went to a doctor for some type of allergy issue, which you failed to mention on the application; then they deny your claim. Talk with your agent and tell him any medications you take or any pre-excising medical conditions. This is the reason my company represents several quality insurance carriers…I have a clue after understanding my clients issues, which company offers the best chance to insure that individual including whatever condition they may have.
7) Policies that includes USA coverage. As I told you above, Latin America and the Caribbean are great places to live…but I don’t want to be treated for serious ailments or die there. Make sure your policy includes coverage everywhere inside the USA, however; if you are a citizen and resident on the other side of the pond and never travel for business or pleasure to the USA then, USA coverage may only be an unnecessary added expense!
NOTE: If you happen to travel to the USA for business or pleasure, you can always purchase a temporary travel medical policy that includes coverage inside the USA for the time you are away from your resident country.

To conclude, there are many policy options for expatriates, from local plans that promise global benefits to newly created, low financed companies offering policies that I would not want my dog to have. [David, don't forget your dog ]
If you are considering new coverage or your policy is coming due, I’m always available to discuss different options and customize a program for you, your family or company, reach me at john@expatglobalmedical.com
Expat Global Medical - Expatriate Insurance USA "



Copyright. All Rights Reserved. | Expat Global Medical - Expatriate Insurance USA |
Email: john@expatglobalmedical.com
Local Phone: 336-998-9583 | 106 Keswick Drive - 1st Floor - Advance, NC, USA 27006
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Old 05-29-2017   #12 (permalink)
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Another two thumbs up for Pepe, he's great and very fair prices!

For medical insurance, I just purchased a policy through IMG. It covers USA as long as you aren't there more than 6 months. There were some other options as well, Cigna being the cheapest (but can only stay in US for 3 months) and another GeoBlue allowing up to 9 months but was much more expensive. Here's the link I used: https://www.internationalinsurance.c...al-medical.php

There are more providers of course and looked into those but the one I purchased seemed to be the best match for now.
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Old 05-29-2017   #13 (permalink)
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Take any International Living promo with a large grain of salt.

We have a woman here on Coz that got us excellent plans with upgraded coverage in the US. About $3500 a year, one time lifetime deductible per injury/event (blow a knee and need repeated care deductible is only paid once).
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Old 05-29-2017   #14 (permalink)
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If that salt comes with a lime and tequila I'll take it! The name of the lady in Coz?

Thanks everyone for the leads!
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Old 05-30-2017   #15 (permalink)
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I have an email to Mr. McGee and Pepe, thanks all.


casadive do you have a name to share or contact info? And you say you're paying about $3500 a year, is that for one female?

chebyrashka74 I do remember researching these 3 providers last year and finding that IMG was the only real option for our situation as you mentioned, thanks for refreshing my memory. As you said Cigna only provides 3 mos of coverage in the US, and GeoBlue is very pricey.
Cigna may work later, but right now we need longer US coverage so I'll look at IMG and any other options I come across.

Thanks!
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