What to do if you can’t get or afford Health Insurance?

Posted on 7 March 2010 in Uncategorized by admin

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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.

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You May Get Sick or Ill Yourself While on Medical Tourism Travels

Posted on 6 August 2009 in Uncategorized by admin

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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Inspect the Actual Medical Insurance Contract Document

Posted on 1 April 2009 in Uncategorized by admin

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.

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Canadian Medical Care Further Erodes at Home

Posted on 28 March 2009 in Uncategorized by admin

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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.

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Medical Tourism is Becoming More and More of a HealthCare Option

Posted on 15 March 2009 in Uncategorized by admin

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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Is Medical Tourism Only Overseas Travel ?

Posted on 27 February 2009 in Uncategorized by admin

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. …

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Medical Tourism Stats on the Increase

Posted on 19 September 2008 in Uncategorized by admin

Medical tourism is a topical subject.  It depends on which side of the fence you are on – patient , patient with or without adequate funds , on what side of the “patient que”  you are on , or is there at queue at all.  People travel to foreign countries for products or services all the time .  Whether it is someone seeking jewelery or even a salami that is not available “at home”  or a Canadian on their way to purchase a Canadian NAFTA Canadian made Toyota only to discover that when the costs are all counted they are ahead of the game financially and even had a sort of holiday or vacation to boot.  It may be true that the lovely people at the border may make your like difficult, even if you are well prepared – but at the end of the day you have your car and your savings and that’s  that.

Medial tourism is no different.  Patients travel to foreign countries in order to receive medical care or medical care , or pharmaceuticals  that are not available at home , at a price they can afford , the wait time is too long , or perhaps they wish to have their medical services , and their recovery period away from prying eyes – often in the case of cosmetic surgeries.

In fact , the numbers bear up the increased popularity of “medical tourism”.  Recently Deloite – the international respected consulting firm came up with the conclusions that during the fiscal year of 2007 an estimated 750,000 Americans travelled abroad for medical care.  In fact the prevailing estimate that by the year of 2010  the number of American medical tourists may swell to 6 million patients.

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Medical Treatment Costs – A Relative View

Posted on 14 September 2008 in Uncategorized by admin

 

                    To many overseas , or even in Canada , the concept of not being provided with medical care – uninsured or not insured , or not being able to afford medical care may sound unlikely or even preposterous.   Yet it is the sad fact for many in the United States.  On top of that health care costs themselves in the U.S. compared to other places are relatively much higher.   This is said to be the result of many causes – not one in themeselves.    It costs money to run a business – especially in the states.  Doctors not only have to be paid relatively large pay scales compared to the U.K., Europe and Canada and yet their costs are not small .   Doctors have to pay substantial costs for health care insurance due to the plague or almost an industry of lawsuits against them.  It is said that having 2 lawyers in a town increases the total costs of legal services and  total services used immensely .  Imagine a whole industry based on seeking lawsuits against medical practitioners.  Its defensive medical system at its finest.  On top of that add other costs – costs of modern equipment , running a hospital often with unionized staff .  On more point is the cost of administration – both in the medical insurance plans and companies for administration and non payment and collection of bills to doctors.

                    What is interesting is that even though patients and health care consumers in other countries with socialized or public health care believe all in all that their healthcare is “free”  even though they may be subsidizing it greatly with tax dollars either specifically collected for that purpose or from general tax accounts – from say gasoline taxes or income taxes.

                  Even though these citizens may be astounded that someone in America will gladly pay for medical treatment in their countries the actual consumer may see it as a tremendous bargain and value when all costs are counted up.   Its similar to a Canadian citizen making a special trip to farwaway Texas or Florida to purchase a automobile to bring it back to Canada.  Even though the car may be manufactured in Canada under free trade Nafta rules when it is all said and done they may be greatly ahead in the bargain – even when including travel as well as other costs.  To boot they even get a sort of vacation away from home during the cold Canadian winter.   The Canadian car industry may not like it , however you cannot  “have your cake and it too”.  If these local north american industries wish to benefit from the economies of scale that a free larger market provides for , they cannot pick and choose what rules and procedures they wish to follow and which they don’t.  The only people in the equation who may be perplexed may well be the customs officers at the Canadian border who when finding that even when the rules are followed , they cannot stop the process.  It is all perfectly legal and proper.  If the customs agent was not suave enough to use those same rules – and even contacts to obtain a similar bargain that is their issue and not one of the thorough and determined modern consumer.

<p><a href=’http://www.pressreleasepoint.com/nip-and-tuck-solutions-take-price-medical-tourism-down-under’>Nip and Tuck Solutions take the price of Medical Tourism Down …</a> – This is the age of affordable international travel and with it has come the rise of medical tourism and healthcare. Nip and Tuck Solutions Australia has seen a dramatic increase in demand for Medical tourism services for Australian …</p>
<p><a href=’http://www.groundreport.com/article.php?articleID=2872902&offset=2′>GroundReport | Malaysia | Medical Tourism an extra advantage to …</a> – As healthcare becomes increasingly expensive, savvy patients are now looking to Medical Tourism as a cost-effective alternative to receiving medical treatment and Malaysia stands out to be the best option available. …</p>
<p><a href=’http://malaysiahotelnews.blogspot.com/2008/11/medical-tourism-feeling-slight-pain.html’>Malaysia Hotel News: Medical tourism feeling slight pain from turmoil</a> – Mahkota Medical Centre Sdn Bhd chief executive officer Francis Lim was of the view that Malacca could gain from the slowdown. “We may benefit as we still have price advantage over Singapore … unless Singapore adjusts their prices …</p>
<p><a href=’http://www.buzzle.com/articles/the-danger-of-medical-tourism.html’>The Danger of Medical Tourism!</a> – What can appear to be an attractive and relatively cheap prospect for those considering some form of plastic surgery, can often turn into an expensive nightmare. The perils of medical tourism. The Danger of Medical Tourism!.</p>
<p><a href=’http://medicalnewstodayblog.blogspot.com/2008/11/wellpoint-pilot-program-will-provide.html’>Medical News Today: WellPoint Pilot Program Will Provide Coverage …</a> – “It allows the customers to have choice,” Hashmi said, adding, “Certainly the cost difference is striking enough for some procedures.” According to the Star, the proliferation of medical tourism programs like WellPoint’s could “create …</p>
<p><a href=’http://indolac.wordpress.com/2008/11/25/medical-tourism-to-india-all-expenses-paid/’>Medical Tourism to India, All Expenses Paid</a> – In January, Serigraph Inc., a West Bend, Wis., manufacturer, will become the first US company of any size to embrace medical travel or medical tourism, offering employees the option of having certain nonemergency operations, …</p>

 

 

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Global economic recession: A blessing for Indian medical tourism ... - According to Ankur Bharti, consultant, Technopak Health, cost-cutting would be the main growth driver for the country’s medical tourism this year. “Cost-cutting would be the main reason why more international patients would come to ...

Tourism plan forms part of Oman commercial growth - Travel ... - Tourism plan forms part of Oman commercial growth. by This email address is being protected from spam bots, you need Javascript enabled to view it on Tuesday, 02 December 2008. HOTEL PLAN: Omran has signed a deal with IHG to build a new ...

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People Back Home May Well Benefit from Offshore Medical Tourism

Posted on 14 September 2008 in Uncategorized by admin

Medical tourism not only has beneficial effects for patients treated or their families.  Medical tourism can be credited often with quicker access to medical care – in effect jumping the cue.  Medical tourism may also afford more privacy to patients in cases of cosmetic surgeries.   In addition medical tourism may also provide for care to be provided , due to reasons of cost so that treatment which may not of been affordable to the patient – either the surgery itself , or a fuller treatment or convalescent time is made available and within the budgets of the patients and their families.  Often as well somewhat of a vacation is provided to the patient and their families as an added bonus.

One often unstated and unappreciated benefit of medical tourism is to provide positive competition for medical care at home – this especially relates to the medical care in the United States – which is primarily a private , for profit , health care system.

Having an option of medical tourism provides competition to the standard health care systems.  We all know that compeition results in “things getting better”.   Whether in the case of lemonade stands,  the American automobile industry or medical care competition usually , if not always results in improvements in delivery systems , product quality and offerings and service levels.   Established players are put back in the game to “watch the ball”  or “watch the puck”.  The cannot get complacent.  If they have gotten complacent or even cocky – then there is a new kid in town to keep them alert .  In essence if you were referring to a controlling pseudo-managress with an attitude problem at your local bank – its as if you told her “there are no shortage of other banks to go “.

It can be said that under communism everyone had a job in Russia but no one had enough to eat.  Competition helps to keep everyone in check , productive and providing higher levels of service.

So is it with the positive effects of medical tourism even on medical treatment  “back home”.    Your health care coverage and costs may well benefit from medical tourism even if you never leave home or “the farm”.

Employers ask for care abroad – - Managed Healthcare Executive – WellPoint’s medical tourism benefit pilot program, set to begin next month, will include certain non-emergency procedures such as major joint replacement and upper- and lower-back fusion. “In the last year, we noticed an increase in …

Medical Tourism Growing in the Dominican Republic « The Medical … – The term medical tourism has a great connection in terms of savings from plastic surgery cost. Liposuction, which is the most frequent medical procedure done in the Dominican Republic costs from $2400.00 – $1800.00. …

Focus on Medical Tourism – {Travel Daily News} – “Medical Tourism has the potential to become a significant tourism segment with investment opportunities ranging from large scale hotel developments adjacent to city hospitals or specialist offerings with some minor modifications to …

India benefits from fertility-related medical tourism … – With health plans beginning to cover medical tourism, India is finding its medical tourism business booming, especially when it comes to fertility treatments. It’s little wonder, either; after all,… Read more…

Medical Tourism in India | Bharat Book Bureau – Medical tourism in a simple term is the practice of a patient “outsourcing” healthcare services to a foreign country. Medical tourism/travel is becoming more popular in some. countries as bare necessity is preceding the overall benefits …

My Benefits Agent Blog: WellPoint to launch medical tourism pilot … – Medical tourism generally involves traveling to another country for non-emergency care that can include hip replacements, shoulder surgery and even heart bypasses. The Deloitte Center predicts that the number of people trying it could …

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Medical Tourism then and Now

Posted on 12 May 2008 in Uncategorized by admin

It used to be that “medical tourism” was only for the wealthy rich who wanted or felt they needed “Cosmetic Surgery”

In addition you had the benefit of being far away from home , where hopefully nobody would spot you, in your recuperative phase after your cosmetic surgery. Things have changed now. Perhaps its the high cost or long wait lines – even in places where medical care is “free” such as Canada. Canadians themselves have finally come to the conclusion that medical care is limited. If you want service you well have to go out of the country. Previously it was the USA only. Now that medical tourism has become more readily available and trusted medical tourists will travel across the world to get major – even life threatening surgery. Major operations such as hip replacement , cardiac surgery and even transplants – heart etc are not out of the question.

It used to be that once a student from the so called “third world” went to the west for his or her medical education – they were now a doctor in the USA or Canada never to return home- ever , except for holidays and vacations. Now with modern communication and transportation this is not necessarily so. On top of that equipment and such things as reliable electric power are available in these places overseas. Hospitals indeed may be close to state of the art – but certainly new. Equipment may be brand new and indeed better than that found in the USA and certainly in most cases in Canada. On top of that the hospitals are almost like 4 star hotels – staff is cheap , they love their high tech jobs . To them these are the best jobs in the world. On top of that union labor strife is not an issue . Staff at even these new mega , almost factory, hospitals have staff that are used to a slower pace of life. To most patients they are amazingly friendly and concerned as well for patient welfare. Most patients are very satisfied with their medical tourism adventure and exercise and will gladly recommend it to other potential patients as well – be they family , friend or people at work.

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