We Bill Your U.S. & Canadian Insurance

Hospital CMQ works directly with U.S. and Canadian insurance providers, so most international patients don’t have to pay large amounts out of pocket and wait for reimbursement later. Our billing team verifies your coverage, handles the paperwork with your insurer, and keeps you informed in English throughout your visit.

What is direct billing at Hospital CMQ?

Direct billing means our billing team submits your claim straight to your insurance provider whenever your policy allows it, instead of asking you to pay the full amount and file for reimbursement yourself. For emergencies and most inpatient care, we coordinate with your insurer directly so you can focus on your treatment.

When should I contact you about my insurance?

Reach out to our billing team as soon as possible if:

• You’re planning a scheduled procedure or surgery in Puerto Vallarta or Riviera Nayarit
• You’ve had an emergency and need us to coordinate with your insurer or travel assistance company
• You’re not sure whether your policy covers care in Mexico
• You need a cost estimate to submit to your insurer before treatment

What insurance do you work with?

We bill a range of U.S. and Canadian private health insurance plans, as well as international and travel medical insurance policies. Coverage and direct-billing agreements vary by provider and plan, so we always recommend confirming your specific policy with our billing team before your visit.

• U.S. private health insurance
  • Falck
  • WTP
  • Blue Cross
  • United Healthcare
  • Allianz Assistance / AA Travel
  • BMI
• Canadian private/travel insurance
  • TuGo
  • TourMed
  • Desjardins
  • Allianz Assistance / AA Travel
  • Assist-Travel
  • Manulife
  • Vumi
  • Nomad
  • Xodus
  • Medipac
• International/travel medical insurance

Don’t see your provider listed, or traveling with a different type of coverage? Message us on WhatsApp and we’ll confirm whether we can bill your plan directly.

What can I expect during the billing process?

To help us bill your insurance directly, please have ready:

• Your insurance card or policy number
• A valid photo ID or passport
• Your insurer’s or travel assistance company’s contact information
• Pre-authorization documentation, if your policy requires it for the type of care you need

Our billing team verifies your coverage, requests authorization when needed, and submits the claim directly to your insurer or travel assistance company. If any portion isn’t covered, we’ll let you know the estimated cost before treatment whenever possible.

Why does direct billing matter?

A medical emergency abroad is stressful enough without adding a large upfront payment to the situation. Direct billing lets you get the care you need right away, while our team handles the back-and-forth with your insurer — so you’re not paying out of pocket and waiting weeks for reimbursement.

What if I don’t have insurance, or my plan isn’t covered?

If direct billing isn’t available for your plan, or you’re visiting without insurance, our billing team can provide a cost estimate in advance and explain your payment options. Many international patients also choose Hospital CMQ for planned procedures as self-pay patients — ask us about pricing for your specific case.

Related pages: International Patients · Emergency Care 24/7 · Contact · Billing & Payments

Content reviewed by the Hospital CMQ billing team. Last updated: [fecha de publicación].