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When U.S. Supreme Court justices question lawyers on the constitutionality of President Obama’s 2010 Patient Protection and Affordable Care Act, there is at least one industry that won’t be feeling particularly nervous about the outcome: medical tourism companies.

That’s because, whatever happens, the companies—which arrange foreign surgeries or other medical procedures at top-rated facilities (along with the travel, accommodations and the occasional tourism itinerary) with savings of up to 70 to 80% of what they would cost in the U.S.—already have a strong and ever-growing clientele, most serving several thousand people a year.

“Obamacare is not going to affect us, because it doesn’t say what insurance companies can charge you,” says Geoff Moss of Planet Hospital, a 2002-founded company that sends people abroad for everything from tummy tucks and breast augmentations to hip replacements and kidney transplants.

“Let’s say you work flipping hamburgers and have a preexisting heart condition. Blue Cross can say, sure, that’ll be $1,000 a month.”

At the similarly structured Med Retreat, managing director Patrick Marsek (who also authored The Complete Idiot’s Guide to Medical Tourism) adds that, if Obamacare sticks, the remaining problem won’t even be just a cost issue, but one of access.

“You’re going to have 50 million people minimum coming into the healthcare system,” he says, “and when it comes to getting treatment, you’re going to have to wait in line.”

Enter medical tourism—where the world is your oyster, apparently, when it comes to getting all sorts of affordable, high-quality medical care.

“Cosmetic procedures seem to be what started the whole [medical tourism] industry,” Marsek says. “But, through the years, the number of uninsured and underinsured Americans started to grow, and now it’s orthopedic, cardiac and everything else.”

So where are the top destinations among Americans seeking affordable medical care? We worked with Moss and Marsek—two of the leaders in the field, who help guide thousands of Americans overseas each year for medical treatments—to come up with our list (which is not ranked, but in alphabetical order).

Singapore and Thailand are favorites. “Bumrungrad is the crown jewel of medical tourism,” Marsek says, referring to Bumrungrad International Hospital, just west of Bangkok, known for procedures including coronary artery bypass grafts, hip replacements and spinal fusions. In general, he adds, the best pricing will be found in Southeast Asia, including Singapore.

“They don’t have problems with malpractice, and the prices reflect that.” Costa Rica is a popular choice for being closer to home, as is Mexico—particularly for dental work and surgeries including knee and hip replacements.

Japan and Korea rank high for offering extremely advanced cancer treatments, plus top-notch orthopedic work. And India is always a low-cost, high-quality option—for oncology, cardio, neuro and orthopedic surgeries, as well as for fertility treatments and surrogacy.

The issue there, both Moss and Marsek agree, is that dealing with India is a huge culture shock for most Americans.

But the bottom line, according to Moss, is this: “There are over 52 million Americans without health insurance. So if you are one of those people and need a life-changing procedure, it could cost you $125,000, and you may have to sell everything you own to have surgery.

But if I told you there was a U.S. Board–certified, JCI-accredited hospital in India that could do it for $15,000, you’d probably be on the next flight out.”

http://www.forbes.com/sites/bethgreenfield/2012/03/25/top-spots-for-medical-tourism-no-matter-what-supreme-court-rules-on-obamacare/

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The question and description often arises in terms of medical insurance and medical insurance coverage of “pre-existing illness”.

Specifically medical insurance coverage may not cover or include “pre-existing illnesses or pre-existing conditions”.  What does this mean and what are the implications as well – both to you, your family and loved ones – and as well to your abilities to be insured and as well covered for treatment by your medical insurance plan ?

In a nutshell what this means is that if you had the illness previously – or even if was suggested in a medical diagnosis and you did not disclose or detail this on your submission and application for medical benefits coverage – then the insurance company has every right not to provide coverage.  It is the patient’s and insured policy holder’s responsibility not the insurance company.

It is a similar case and situation to a person who has a heart condition – wishes and plans a trip for a wedding to Baltimore in the US – and proceeds either to not tell or disclose her pre-existing heart disease – having had a history of cardiac trouble with documented heart attacks and treatment by a recognized cardiologist .  That person, patient , may of gotten away taking  the chance before and simply thinks that “they will get away with it again”  – that the chance of a cardiac attack or cardiac illness returning or being an issue or problem on a simple family wedding trip are slight if not unlikely.  Most likely – they “got  away”  with it before – its a simple chance of low probability.   Its all worth the risk.

The problem is that the insurer in this case ( the travel medical insurance coverage) , can easily dispute the claim – based on the well documented fact – with background medical documentation and records , that the illness – in this case – documented cardiac illness – had occured previous to purchasing the policy.  The claim can simply and legally correctly be denied.  The insured will be out of pocket themselves.  No amount of protestations  or twisting of facts will change the case and situation.  It is a simple as that.  It is the responsibility of the insured to disclose the facts – not the responsibility of the company to discover hidden or undisclosed facts and medical history and histories.  Clerks and agents cannot be held liabile as well.  On making and completing the insurance coverage application for the policy itself and requests for benefts and coverage various legal forms are signed by the applicant.  It is the responsibility of the applicant for medical insurance coverage to disclose all. Simple as that.  Otherwise the insurance company can deny claims.  Simple as that.  On top of that an insurance company that has been provided false , misleading or fraudulent information – has the responsibility to file this information to its industry sources – alerting the industry  of this history – making it more difficult if not more expensive and maybe not possible for the insured to obtain medical insurance coverage from other insurance carriers.

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Medical Tourism Blog: BUPA Insurance for Medical Tourists – Lastly, this is an informative blog, and we are dedicated to bring you the latest news and developments and expert opinion regarding medical tourism. We are not in any way affiliated with BUPA, BUPA International or any of their subsidiaries or … Perhaps you can also speak to CIGNA and Aetna for more info about coverage for overseas treatment. They are players in the international scene. If you;d like, you can email me re; med travel and insurance issues etc…. cheers! …

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