Local Health Care Insurance Utilization of Medical Tourism

admin — Fri, 19 Sep 2008 19:59:15 +0000

What is interesting to note is that even the medical insurance industry has now stepped into the act of evaluation , promotion and use of medical tourism both as a cost saving and queue shortening procedure..
Some will say that the basic tactic and reputation of insurance companies is to gladly accept insurance premiums while trying to shirk or avoid payouts. While this is not true, it is true that as if with any business profitability is key. Thus any cost savings or reductions are highly powered for any insurance provider or company due to its very powerful effect on the bottom line. Any cost savings are money earned for the firm. The one major concern to medical insurance providers who utilize medical tourism in an effort to save costs is prevention of any additional costs – whether it is for additional therapy when the patient returns home and has problems, or even of lawsuits. For patients themselves it can be a nightmare. The foreign medical care may be protected first by actual geographic and cost logistics, their legal and / or medical system and the costs of conducting legal actions in the far away foreign country. As a result the first actions of unhappy or ill treated medical tourists who have been sent for far away medical care by their health care insurance company is to seek redress from their insurance provider.
As a result health care insurance companies have shied away from using medical tourism and medical tourist facilities – at least until the cost structure more than justified it.

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It Is Possible to Dispute Health Insurance Decisions for Medical Tourism Costs

admin — Thu, 22 Mar 2007 14:38:44 +0000

Often patients get very frustrated waiting in medical treatment queues. Who needs this they say. On top of this the mental turmoil of waiting in the medical treatment queue can cause needless mental turmoil and much worse patient treatment outcomes.

However in some cases the medical insurance administration will refuse to pay costs for overseas or out of country medical treatment – deeming that such treatment is “unnecessary” , “not essential” or even a vacation by the patient.

I t can often be said that medical insurance administrators see them themselves not as providing essential levels of medical care but rather as parcels out or controllers and allocators of limited resources. On top of that as the resources become less and less even more medical administration is needed , not less , ” to dole out the limited resources”.

However a U.K. woman has won a three year legal battle with her local medical insurance agency to force the local NHS Health Trust to pay for her medical treatment abroad- an enforced reversal of their stated judgment.

This decision and judgment can well form the basis of precedents of further claims for medical tourism treatment costs , especially in daunting potential life threatening illnesses – such as cancer – where time is of the greatest essence.

In this case the patient was told that the time frame for a simple scan of her back would be approximately one year.

T he patient picked up and had the relatively simple procedure done at a private clinic in another E.U. country. Attempting reimbursement for the approximately $ 700 scan – the claim was refused , resulting in a three to four year legal battle.

In the end the NHS Health Care Trust relented and agreed to pay both legal and medical costs.

Thus a precedent has been set in both medical , legal and medical tourism venues.

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Local Health Care Insurance Utilization of Medical Tourism

It Is Possible to Dispute Health Insurance Decisions for Medical Tourism Costs