Full Benefit Medical Insurance Policy (PAGroup)

We introduced our full-benefit major medical “group” policy in 2015.  In 2018 the company announced its rebranding and is now known as PAGroup.  Our policy remains basically the same — specifically designed to address the needs of expats living outside of their home countries.  This policy does not exist in the U.S.  and it excludes coverage in the U.S. for the sole purpose of economics.

WHY?   The U.S. ranks among the most expensive health costs in the world.   We opted to exclude the U.S. because the majority of our members are American (who already have Medicare coverage in the U.S.)    Why pay for a duplication of benefits!  By choosing the option to exclude coverage in the U.S., we were able to drastically cut the cost of the premium.

For those retirees under age 63, we can offer you a reduced-rate premium until such time as you turn 63.  This is a benefit unique to our “group” Affinity Expat plan.

If you are travelling to or through the U.S. and do not have medical coverage there, that is easily remedied with a travel insurance policy.  Travel policies are readily available and relatively inexpensive because you buy coverage for only that period of time when you are in the U.S.

We want to help you do your Due Diligence “homework”.  Below are links that will provide you valuable information about PAGroupco to help in your decision to choose the health insurance policy that is best-suited for your lifestyle, financial situation and providing you with peace of mind so you get on with the fun of your Mexican retirement adventure.

Click on the Orange-colored links below.

Uninsurable Risk List In most instances, with the exception of Cancer, if you currently have a condition that appears on this list, you are not eligible to join the group.  Of course, if you join the group before encountering any of these conditions,  you will be fully covered if you acquire any of the conditions on the list after you are insured.  PAGroup has special provisions for Cancer survivors and welcomes you to apply.  Each applicant’s case is judged individually.

2019-2020_Summary Of Benefits_New Members  (Premium Rates included)
You will find this enhanced Major Medical Policy is a bit different from the usual policies being offered by other insurance companies.  PAGroup offers our Boomers Affinity Group a “Loyalty” reduction in deductible, if you have remained claim-free for two years.  With our two-tier premium pricing, we think you fill find our unique plan well-suited to the expat living in Mexico.

List of Hospitals available to you through the PAGroup  Network of hospitals.  Of course, if you are seeking treatment at another hospital as the result of an accident, PAGroupco will attempt to negotiate a direct-pay option for you with that hospital.  You will provide PAGroup with that hospital’s information when you contact them to advise of your hospitalization.

PAGroup Website  (their website is still undergoing changes due to PAGroup recent restructuring and rebranding).

Your PAGroupco insurance card should be carried with you at all times and it’s proper place in your wallet is behind your Driver’s License.  All First Responders are trained to look there for your insurance information.

If you are interested in this policy, please proceed to our “Group” FAQ section on the top menu.  Here was answer many of our most commonly asked questions about both policies in one convenient answer, color coded for your convenience.

Once again, we recognize that “one size does not fit all”, so visit our “Other Insurance Options” for information about an individual, private medical plan that may better suit your personal situation.