Health Insurance

Creators are the only organization in our Country, with the concept of Accountable Care Organization, formed by groups of doctors, hospitals, pharmacies ,insurance broker, insurance companies and other health care providers who voluntarily join together to provide a coordinated high-quality care to their patients.

The goal of coordinated care is to ensure that, especially chronically ill patients receive the right care at the right time, avoiding unnecessary duplication of services and costs, as well as the prevention of medical errors, basing the whole process in three basics principles:
Human Dignity
Common Good
Affordable cost

The creation of insurance products that can acquire almost anybody, with the following characteristics:
Coverage only in Mexico
Low Cost.
Same cost for all (0-64).
Wide range of ages of acceptance. (0-75 years)
Lifetime Insurance.
Insurance covering patent medicines and consultations.
Insurance that the insured can maintain even losing the employment relationship

Below we describe our products, backed by Mexican insurers, as well as by the best hospitals, the best network and best Drug Stores Nationwide (Farmacias Especializadas,Farmacias del Ahorro and Farmacias Benavides )
All plans are described below via Direct Payment in Hospital Pharmacy, Consulting, Studies.

The program is based on its general conditions and coverage is valid only in Mexico.
The collection will always be managed by Group 54 , SA de CV and the premium is paid annualy,and costs shown are for NON-Residents of Mexico.
Leveled Premium (Same premium 0-64 years)

Plan #1 Salud Total Acceso Medico Coverage in Mexico Only
Acceptance Ages 0-64 years Lifetime Renewal
Deductible: 0%, 0% Coinsurance
Same Premium All ages(0 to 64): $ dollars annual + iva tax (annual payment, semiannual, quarterly, monthly)
Medical Consultation: Covered Unlimited no cost only for gral medicine, gynecology, pediatrics, internist.
Medications: Covered up to $ 5,000.pesos per year limit .
Lab and X-raysEducation: Covered at no cost up to $ 10,000 per year limit (x-ray, laboratory and Cabinet)…
Nationwide Coverage. (Mexico Only)
Life Insurance: Covered $ 110,000 pesos.

Plan # 2 Salud Total Dome
Acceptance Ages 0-75 years Lifetime Renewal
0% Deductible, Coinsurance 20%
Sum Insured per event: $ 150,000 pesos.
Same premium from 0 to 64 years $ 600. annual + IVA TAXvat, 65-75 premium surcharge, both with the option of annual, semiannual, quarterly, monthly payment.
Inquiries:. Covered with $ 100 copay $ 200 or $ 300.pesos depending on specialty (picture attached).
Medications: Co-pay 20% (80% off maximum price to the public)
Lab and x rays : copay 20% (80% off lab and x-ray cabinet).
Nationwide Coverage Mexico Only.
Hospitalization due to illness or accident: Covered Mexico Only
Medical Fees: Covered
Anesthesiologist, Anesthesia and gases: Covered
Dental Coverage: Covered with 20% copay
Optometry: Covered
Waiting Periods: 10,12,24 and 36 months according attachment.
Seniority: Housing with support
Exclusions: Pre-Existing Conditions.

Health Plan # 3 Salud Total 100,200,300 and 500
Acceptance Ages 0-64 years Lifetime Renewal
$500 us dlls Deductible, 10% Coinsurance
Sum Insured per event. $ 100,000 / $ 200,000 / $ 300,000 or $ 500,000 pesos..
Same premium 0-64 years, but depending on the insured limit, repectively for ST100: $ 400 .us dlls/ST200: $ dlls./ST300: $ 600 .us dlls./ST500: $ dlls annual + Tax,
Medical consultation ans all Specilities:. Covered with $ 150 pesos copay $ 250 or $ 350.pesos depending on specialty (below).
Medications: Covered after passing deductible.
Lab and X ray: Covered after passing deductible (laboratory and x-ray cabinet).
Nationwide Coverage. Mexico ONLY
Hospitalization due to illness or accident: Covered
Medical Fees: Covered
Anesthesiologist, Anesthesia and gases: Covered
Dental Coverage: Covered with 20% copay
Optometry: Covered
Waiting Periods: 10,12,24 and 36 months according attachment.
Seniority: Proof of previous coverage with Mexican Insurance Companies.
Exclusions: Pre-Existing Conditions

Medical Specialties
First level: Gynecology, Pediatrics, Ophthalmology, Internal Medicine and Nutrition.
Second level: Allergy and Clinical Immunology, Pain Medicine, Angiology Audiology and Phoniatrics, Urology, Third Level: Cardiology, General Surgery, Oral and Maxillofacial Surgery, Pediatric Surgery, Plastic Surgery and Aesthetics Reconstructive Surgery, Peripheral Vascular Surgery, Colo-Proctology, Dermatology, Endocrinology, Endodontics and Periodontology, Endoscopy, Physiotherapy and Rehabilitation, Gastroenterology, Geriatrics, Hematology, Infectology, Inhalotherapy, Nuclear Medicine, Sports Medicine, Physical Medicine and Rehabilitation, Nephrology, Pulmonology, Neurophysiology, Neurology, Nutrition, Pediatric Dentistry, General Oncology, Orthodontics, Orthopedics and Traumatology, Otorhinolaryngology, Psychology, Psychiatry, Retinology and Rheumatology

In the following conditions, the Insured shall comply with the period of continuous coverage in the policy, except those incurred as a result of an accident.
With ten months waiting period:

Obstetric care.
Newborn coverage (the mother should have at least 10 months of
uninterrupted coverage and newborn must have been discharged under the policy by paying the premium ).
With twelve-month waiting period:
Treatments of kidney stones and urinary tract.
Gynecological conditions. These are considered to own those suffering woman has when not pregnant.
Disorders of mammary glands.
Inadequate perineal floor.
Endometriosis .
Diseases of the spine, EXCEPT herniated discs
Venous insufficiency varicocele and varicose veins of the lower limbs.
Disorders of the gallbladder and bile ducts.

Twenty-four month waiting period:
Anorectal disorders.
Medical or surgical treatment of tonsils and adenoids.
Hernias (including disk) hernias.
Nose and / or sinus illness.
Eye cataracts.
HalluxValgus (Bunions)

With thirty-six month waiting period:
Prostate Surgery due to illness.
Hip Surgery due to illness.
Knee surgery due to illness.
Shoulder surgery due to illness