Because of high deductibles in the United States and affordable treatment overseas, medical travel continues to gain popularity. Almost one million Americans traveled overseas for medical treatment in 2014. One-third of these patients had dental work done, and one-fourth went for surgeries like bariatric operations and coronary bypasses. Cosmetic surgeries and hip and knee replacements were also popular. If you’re considering getting your next medical procedure done overseas, do your research.
Who Will Pay for Your Overseas Procedures?
In 2014, roughly five percent of employers covered surgeries aboard. Up to 25 percent plan to add that coverage by 2019. These companies pay for overseas surgeries and may even offer employees a cash bonus because medical travel saves them money. For example, one company saved $11 million since it started offering a medical travel program in 2010.
However, the majority of employers do not cover medical travel. Your health insurance may not cover it, either. That means you will pay the full cost out-of-pocket. Figure out the payment details before you schedule your procedure.
How do you Choose a Facility?
The Joint Commission International website can assist you in finding accredited hospitals that meet high quality and safety standards. Be sure the specialist you choose is board-certified, and ask for references. You may also hire a third-party facilitator. He or she will introduce you to specialists, manage appointments and assist you in making travel arrangements.
Next, confirm the treatment with your primary care physician. He or she needs to ensure you are healthy enough to travel and approve the procedure. You are then ready to get a written agreement from your chosen facility and specialist. The agreement includes details about the procedure, including the covered treatment, care, supplies and extra amenities. It should also outline what happens if there’s a complication or you need additional medical care during or after the procedure.
What Happens While You’re Overseas?
An English-speaking concierge will meet you at the airport and drive you to the hospital where you’ll meet your surgeon and get any blood work or required tests. After the procedure, you’ll receive any necessary therapy. Someone will give you after care instructions and possibly a hard copy of your medical records before you’re driven to the airport when you’re well enough to return home.
Medical travel can save you big bucks on your next procedure. Do your homework before you schedule the appointment. Then consider purchasing medical travel insurance that covers medical malpractice and includes a death or disability benefit. This insurance gives you peace of mind as you travel overseas for your next medical procedure.
