Healthcare, Assisted Living: Our Future in Mexico

Q&A with a Reader

Hi There!

My husband Paul and I just moved to Mazatlan in September and love where we are renting, but I am now looking forward to finding an affordable 2 bedroom cottage or apartment, that allows pets, and has retirement living amenities.  A place where we can add on in-home care as needed in the future sounds perfect.  Then we won’t have to keep moving.

We are both 64 years old.  I will turn 65 this year, so also wondering if there are age restrictions for starting Long Term Care Insurance?

Do any retirement communities in Mexico give a locked in price if you commit to staying longterm?  We are living on our social security with almost no savings (a business failed at just the worst time).

We would be interested in Mazatlan, Puerto Vallarta, Cabo San Lucas, Todos Santos, Huatulco, Puerto Escondido, Lake Chapala, or possibly beach areas in Eastern Mexico (we are not familiar with that side).  My husband prefers staying near surfing beaches.

Thank you for any advice or resources.

Best regards,

Mary and Paul

Hi Mary and Paul,

Thank you for writing.

Congratulations on finding an affordable retirement location despite the financial roller coaster you both have been through. We understand and we send our best support to you both!

First, let me say that “retirement communities” with retirement amenities are a new idea in Mexico. The older members of the family are taken care of by the younger members of the family, often having Grandma and pa move in with them, so that there is inter-generational living. I think that Mexico is seeing the business possibilities of this idea (with more and more Boomers retiring and moving to Mexico) and there are plans in the works for facilities such as you mention.

I am going to give you some links where you can do research on your own, or links to forums where you can ask those who are living locally what the rental and “aging/assisted living” situation is in their location. The forums are free to join.

You might try looking at our Chapala Medical Care page that lists assisted living facilities in the general area (scroll down to almost the bottom to find this section). Several of them have nurses on site and regular doctor visits to patients are available. Some also provide taxi service to take you to your doctor as well. Some even have “comfort dogs” on site.

Here are some links to forums – 

Chapala Web Board Forum    Chapala Club      Inside Lakeside

A couple of articles:

Continuous Care: Opening Up the Conversation

Questions on Continuous Care in Latin America | RetireEarlyLifestyle.com Blog

And here is our Relocation Page where you will find Expat forums where you might be able to post your questions in order to have locals answer them.

In terms of what you might do in the meanwhile, you can always hire a local to do your shopping, cooking and cleaning. You can hire a nurse to come to your home on a regular basis to check in on you, administer meds, take your blood pressure or other simple procedures. Doctor visits can be arranged, either having them come to your home or more likely, having a taxi service on retainer to bring you to your appointments and back. These services are far more affordable in Mexico than in the States.

As far as Long Term Care Insurance, I personally don’t know anything about it, but you could take a look at our Medical Insurance Page to see if any of the underwriters offer this option.

I would advise keeping yourself open to new prospects and to not get discouraged. With a little creativity you could put together something that works for you.

If you have further questions, feel free to write.

Wishing you both the very best,

Akaisha

About Retire Early Lifestyle

Billy and Akaisha Kaderli retired two decades ago at the age of 38 and began traveling the world. As recognized retirement experts and internationally published authors on topics of finance and world travel, they have been interviewed about retirement issues by The Wall Street Journal, Kiplinger's Personal Finance Magazine, The Motley Fool Rule Your Retirement newsletter, nationally syndicated radio talk shows and countless newspapers and TV shows nationally and worldwide. They wrote the popular books The Adventurer's Guide to Early Retirement and Your Retirement Dream IS Possible.
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