Most U.S. health insurance plans do not cover medical treatment in Mexico, including immunotherapy, as confirmed by Medicare and ACA Marketplace guidelines. Medicare and ACA Marketplace plans typically exclude international care except rare border emergencies. Mexican facilities require upfront payment, and Mexico has no bilateral agreements requiring U.S. insurers to pay providers directly.
 The cost difference makes self-pay practical for many patients. Immunotherapy in Mexico costs $8,000–$16,000, compared to $15,000–$45,000 in the United States. Facilities like Medical Center Juventa (500 international patients annually, 5.0 rating) and Immunotherapy Regenerative Medicine (5.0 rating) serve patients from the USA who pay directly. Packages typically include physician consultations, airport transfers, hotel accommodation for 3 days, and VIP transport, though food is excluded.
 If your private plan offers any international coverage, pre-authorization is mandatory and claims process as out-of-network reimbursement. You must pay the facility upfront, obtain itemized receipts in English, and submit claims to your insurer after treatment. Some Medigap policies (Plans C, D, F, G, M, N) cover foreign emergencies with a $250 deductible, 80% reimbursement, and $50,000 lifetime maximum, but immunotherapy is planned care and does not qualify.
 Contact your insurance provider to confirm your specific policy's international exclusions before booking, and budget for full upfront payment in Mexico.