IMSS Modalidad 33: The Annual Premium, the Waiting Periods, and the Exclusion List
IMSS Modalidad 33 in Mérida, Mexico: how the annual premium is set, how the waiting periods bite, what is excluded, and who it is for.
Posts
Mérida's Private Hospitals: Which One, for What, and What a Visit Costs
Choosing a private hospital in Mérida, Mexico: route by the event, and by what your insurer settles directly — not by reputation.
Healthcare in Mérida, Yucatán: IMSS, Private, and What a Resident Actually Gets
Healthcare in Mérida, Mexico for foreign residents: the three systems, the age wall on private cover, what IMSS Modalidad 33 is for, and the order to decide in.
The Setup Cost: What Month One Costs Before You've Lived It
What month one in Mérida, Mexico actually costs before you have lived it: the one-off bucket itemised — deposit, póliza, AC, the gas tank and the documents.
"Do I Owe Mexican Tax?": The Shape of the Question
Do I owe Mexican tax as a resident in Mérida, Mexico? The five questions it breaks into, why immigration status is not tax residency, and what a contador needs.
The RFC: When a Resident Needs One, and When the Bank Is Just Asking
What is an RFC in Mexico, who needs one as a resident in Mérida, Mexico, when a bank is merely asking, and why registering with SAT is not a free step.
Getting Money In: Wires, SPEI, and the ATM Ceiling
How money reaches you in Mérida, Mexico: what SPEI does and does not do, what a wire costs, the ATM ceiling, and the one calculation that prices each route.
Opening a Mexican Bank Account in Mérida: What Each Bank Asks For
Opening a Mexican bank account in Mérida, Mexico: the order it happens in, the proof-of-address loop that stops most foreigners, and what to say at the counter.
The Peso Question: What a Dollar Income Actually Buys Here
Is Mérida, Mexico expensive? It depends on the year you arrived and the currency you earn in. Which costs are peso-sticky, and where a dollar income is exposed.
A Month in Mérida, Itemised — With the Summer Electricity Bill Inside It
The cost of living in Mérida, Mexico, itemised: the twelve lines a month has, the summer electricity bill inside the average, and how to build your own.
Does It Have AC, and Who Pays to Run It: The Clause That Decides Your Summer
Air conditioning is the largest variable cost of living in Mérida, Mexico. What to establish about the units, the meter and the clause before you sign.
Furnished or Not in Mérida: What the Word Means Here, and the Price Gap
"Amueblado" covers everything from a full house to a bed and a table. What to establish before you sign in Mérida, Mexico, and when unfurnished wins.
The Póliza Jurídica: What It Costs, and the Landlord Who Won't Accept One
What a póliza jurídica costs, what it covers, who pays for it, and what to do when a Mérida, Mexico landlord refuses one. Published figures, dated.
The Fiador Problem: What a Foreigner Substitutes for a Local Guarantor
Mexican leases want a fiador with property in the state. A foreigner in Mérida, Mexico cannot produce one — here are the four substitutes landlords accept.
Short-Term to Long-Term: When Airbnb Stops Being the Cheap Option
The arithmetic behind short-let against long-term rentals in Mérida, Mexico: what the nightly rate hides, what a lease adds, and where they cross over.
Finding a Place: The Facebook Groups, the Agencies, and Which Listings Are Real
Where homes for rent in Mérida, Mexico are actually listed, and how to tell a real listing from a re-post before you send anyone money.
Signing a Lease in Mérida: The Clauses That Cost Foreigners Money
The four clauses in Mérida rentals that cost foreigners money: the guarantee, the increase, the deposit, and who pays to run the AC. Mérida, Mexico, dated.
When to Pay a Gestor in Mérida, and When You're Paying for a Queue
Most of the Mexican residency process is genuinely DIY. The five moments in Mérida, Mexico where a gestor or lawyer earns the fee — and the rest.
The 30-Day Canje at INM Mérida: Booking It Before You Fly
Your resident visa is spent the moment you land in Mérida, Mexico. Thirty calendar days to start the card trámite at INM — and why you start early.
The Consulate Interview: The Folder, in the Order They Ask For It
What a Mexican consulate asks for at a residency appointment, in the order it comes — the folder for a long stay in Mérida, Yucatán.
The 180-Day Visitor Stamp Is Not a Plan: What It Buys and What It Doesn't
Up to 180 days as a visitor in Mérida, Mexico is a scouting trip, not a residency plan. What the stamp permits, and what it locks you out of.
Which Consulate to File At, and Why the Same Rule Lands 15% Apart
One federal formula, dozens of consulates converting it separately. How to test what yours asks before you book a move to Mérida, Mexico.
Residente Temporal by Income: The UMA Multiple, and What Your Consulate Converts It To
The residente temporal income test is 680 días de UMA a month, not a dollar figure. The dated arithmetic, for a long stay in Mérida, Mexico.
Staying in Mérida Legally: Every Route In, Ranked by What It Costs You
Every route to a legal long stay in Mérida, Mexico, ranked by what it costs in money, paperwork and risk — with the UMA multiple behind each threshold, dated.