Nearly 500,000 retirees pick up their Social Security checks at an embassy or other location outside of the United States. If you’re among them – or want to be – then it probably means you’ve successfully expatriated your wealth … and/or yourself!
Tag Archive: Medical Care
Medical outsourcing is not really “outsourcing, but rather a controlled means of acquiring assistance in managing the ever increasing demand for particular resources. No physician abroad is completing a task in lieu of a U.S. based physician, but rather in tandem.
Maybe it’s happened to you: you need an expensive medical procedure, but you don’t have the healthcare coverage to pay for it. Whether it’s heart surgery with the price tag of a house, dental work or plastic surgery, medical care is very expensive in the United States.
With the threat of individual health insurance plans in California potentially being kicked out of the state for possible non-compliance with the state laws, some people with individual health insurance policies are probably holding their breath in hopes to have reasonably priced health insurance that will still cover them.
When a person travels the last thing on their minds is that they will fall ill. Yes in most cases you are traveling for pleasure of perhaps business. It seems highly unlikely that you will be taken ill. Yet it happens both on holiday , vacation , business travel and yes on travel for medical care – medical tourism.
In some cases there are well known areas and vectors where is not unexpected to fall ill. Most well known of course is a person traveling to Mexico and experiencing Montezuma” Revenge ( Traveler’s Diarreigh) – which is not a life threatening condition all in all . However for most affected it is all too memorable.
When it comes to traveling what overall basic recommendations can be given or taken to heart:
First it never hurts to play it safe. Have a very high temperature that just will not seem to dissipate ? Blood in your stool ? If you have a travel insurance toll free number simply give them a call . At the worst most hotels. resorts and other facilities have an arrangement with a physician or other health care provider on call and sometimes by mutual arrangement on site.
If you are treated abroad take into consideration that there may be a two tier system at your location . It may not even be a case of one set of rules and medical level of care for those that can pay and those that cannot . There may be even be shades of grey in between. It is always best to ask.
For minor , non life threatening emergencies and ailments , the “free” care available to everyone may be fine. If you have the time. Note that you may be asked to pay fees as a non-resident which may be similar in rates to those “Back home”.
If its something serious or you have restricted time – go the private more high end route.
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In the end – if one is to be thorough – a buyer of insurance always has to go to the actual insurance contract. There is no other way. Somewhere down the line the contract had to be vetted by lawyers and accountants and submitted to a government agency which oversees and regulates insurance plans and coverage’s. Nothing will ruin the long weekend or even the month of administrators of any insurance firm than a letter from the “registrar “or regulatory board of any insurance industry. One has to examine that actual document.The firm may be resistant to provide it or hand it over. They may say and respond at great length (usually verbally) that such a document or paper does not exist. It has to. In the end the company will have to forward you to those insurance documents. Glossy marketing brochures and the like are no substitute for such information. Actual legal documents are the only means of determining your insurance coverage. In a pinch or negotiations the insurer will use the data and facts – why not you as well?
The key factor in terms of medical tourism and insurance coverage is that now an increasing amount of insurance companies – group plans, commercial coverage and coverage by employers are now covering overseas treatments as well as surgeries.
Read the small print of your medical insurance coverage and benefits and as well the extent to which the coverage by the medical insurance coverage covers any follow-up treatments required. A key question as well is what happens if mistakes or complications arise – what costs are covered or are not covered. Are out of pocket or additional costs covered. It is not a negative feature of the care provider chosen. Complications can arise at home, or at the best first world medical care intuitions. Why not could they not arise overseas? The major difference here is that you are far away from home – or even far away from other specialized medical care if need be.
A Montreal, Quebec Canada may be well forced to shut down almost 25 per cent of its beds. In the past number of years, nearly half the doctors there — 25 of them– have resigned as a result of difficult working conditions, but only several have been hired as replacements.
“ Doctors are said to be working extra long shifts and overtime to provide medical care. “This cannot go on for long without a reduction of the standards of medical care and expertise†states the hospital administration. The hospital will need in order of 20 to 30 doctors to keep this regional center open. Doctors as if seems are in overall short supply.
The Montreal area hospital has had to reduce its level of service to the community at large. Service was reduced in order that the remaining doctors would only have to “work 12 hours or less a day, if possible,” he said.
The impact of the hospital’s decision to close the beds as of Friday is yet unclear.
“There might be longer waits in the emergency room for the patients, as well some of the ambulances may have to be rerouted to other hospitals which, for some patients, might mean being further away from home,” Keyway said.
But while some people at the hospital say it’s frustrating that the beds must close, they understand the reasoning.
“You can’t push staff beyond their reach either … if closing 30 beds allows them to give safe care, it’s too bad, but I guess that’s the way it has to be done,” one woman told CTV Montreal.
The beds might be closed at the hospital for as long as a year.
Patients can save as much as 80 percent on procedures done by medical professionals often educated and trained in the United States at hospitals increasingly accredited for meeting U.S.-like standards.
An estimated 150,000 people traveled abroad last year for medical treatment, and the number is expected to double by 2010, said Josef Woodman, author of “Patients Beyond Borders: Everybody’s Guide to Affordable, World-class Medical Tourism.” Nearly half had medically necessary surgeries, such as hip replacements or spinal work, heart surgeries, even cancer treatment.
The book, released in March, tells how patients can save 25 percent to 75 percent on anything from LASIK eye repair to neurosurgery by traveling outside the United States.
Health-industry representatives said U.S. healthcare costs more, in part, because of skyrocketing medical-malpractice insurance and the higher wages and benefits paid to hospital workers.
Costs are high, said Woodman in a telephone interview, “because Americans demand from cradle to grave the most expensive treatment, the most extensive testing.”
He said the American healthcare system is “stuck” because insurance companies are dictating what can and can’t be covered, and consumers are unable to negotiate direct payment to providers.
A longtime surgeon and clinical professor for UC San Francisco’s Fresno-based medical education program, said that while he has been all over the world and knows there is great medical care available, he advises caution.
He said there are also plenty of Third World countries with hospitals and doctors that don’t meet U.S. guidelines and restrictions but offer huge discounts. Hospitals here have to meet certain standards, he said.
Those who choose to go abroad? “I think it is probably dangerous, and you are probably taking a risk with your life. I think you should find a way to get it done at the good hospitals in town,” Parks said.
Woodman has traveled abroad for his own care. He went to Costa Rica for dental work — a root canal, implants and follow-up care — after looking at several other countries. He said he saved about $2,000.
The key to a good experience, he said, is to do your homework, find out about the doctors, try to interview them beforehand, and then ask about success rates and find out about the facility. “If they don’t speak English, then move on.”
Interest in traveling abroad for medical treatment has spawned a new industry: medical tourism. Companies are playing the role of travel agent and medical-care coordinator and linking American patients with overseas hospitals for a fee.
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It is an interesting point or points of view or what might call perspectives.
Medical tourism or “medtravel” or “medical tourism / medtravel” often is not most times refers to people , patients or their families traveling to far off , what were once backward third world places , to get medical treatment or medical treatments which they either cannot afford to get “back home” or are too far down the list or que.
Medical tourism can now refer to medical treatment in the good old USA.
It is now accident that often the most wealthy and powerful come to the US for treatment.
The choice of oil rich sheiks , with no shortage of cash and money to burn , – ever, used to be “private British ” health care clinic or private British hospitals. It was closer and more familiar to the colonial past . However , or in spite of this many of the wealthiest people in the world now routinely , as a matter of course , to American hospitals for their medical care – be it John Hopkins , the Mayo Clinic , Sloane-Kettering or a myriad of others.
In addition to that many who holiday in the US – say for warmer Florida in the winter are already there , so to speak. Travel costs are already covered , as well as a stay away from home in nice surroundings. Even friends or family can visit for a stay – and have minimal costs . Hence these areas , Florida included , have incurred a resulting boom in medical care to those who are not their direct population and citizenry.
These too can be termed “medical tourism” or medical tourism medtravel even home in the USA.
Medical Tourism: World-class Medical Care at Affordable Rates … – Well-trained and experienced doctors, state of art medical facilities and personalized care have helped India to register the fastest growth rate in this Industry. The number of patients seeking treatment in India has gone up from 10000 …
Florida’s Tourism Addiction | Newgeography.com – Growth in medical research is already happening with the arrival of the Nemours Center for Pediatric Research. Both of these are happening because of internal decisions, windows of opportunity, and with mostly private, …
Kerala Medical Tourism – The government’s initiative to combine tourism along with medical practices at a cost which is comparatively very low as compared to U.S. or U. K , has contributed to the rapid growth of medical tourism in the state. …