Medical Tourism & US Healthcare Insurers

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  • #192819
    grb1063
    Member

    Amazingly enough, health care is getting so expensive here in the US that insurers are actually starting to authorize travel for procedures. Of course, there must be something in it for them…$$$. See artcile in WSJ.

    http://online.wsj.com/article/SB122273570173688551.html

    #192820
    Andrew
    Keymaster

    Medical tourism is big business in Costa Rica and we have a couple of articles discussing that …

    The main paragraph pertaining to Costa Rica is as follows:

    “Some individual policies offer medical-tourism options. Ben Schreiner, a retired executive for Bank of America, recently traveled to Clinica Biblica in Costa Rica for a hernia operation that cost $3,900. His policy with Blue Cross & Blue Shield of South Carolina has a $10,000 deductible. Surgery would have cost about $13,000 in his state, he says, so he saved about $6,100. The 62-year-old traveled free using frequent-flier miles. “The hospital is state of the art. The stuff is really up to date and modern and the doctors couldn’t have been better.”

    Scott Oliver – Founder
    WeLoveCostaRica.com

    #192821
    maravilla
    Member

    Is this the wave of the future? You need a certain kind of operation and your greedy-for-profit insurer say, “sure, we’ll pay for it, but you have to go to India, or Thailand, or CR,” or who the hell knows.

    #192822
    grb1063
    Member

    The facility has to be certified by the same people that certify american medical facilities. This would eliminate all countries in Africa, except possibly South Africa and probably the majority of SE Asian countries. The catch is that the major portion of the exhorbitant health costs are totally predicated by lawsuits. There was a recent article on this web site regarding that very subject of how a litigious society we are in th US. These very same lawsuits cost the insurers tons of money, which they pass on in premium increases to their customers. As a business owner, our health insurance costs have increased double digits every year. When will it end? The question arises, why does the same procedure at CIMA, which is a US company run hospital affiliated with Baylor Medical School, with US trained doctors cost a fraction of what the same procedure does in the US. Same doctors, but no concern about malpractice insurance that costs the average family practitioner $100,000/year. Texas passed a tort reform law two years ago with respect to medical malpractice. Since then 2,000 + doctors have trnsferred their medical practies to Texas and medical malpractice premiums have been reduced 50%. Do you see the underlying problem here? There are more lawyers in the Columbia Tower (76 stories) in downtown Seattle, Washington than the entire country of Japan. 75% of our congress are attorneys!! Law in he US is a self-perpetuating business and costs all of us very dearly. There is little hope for tort reform on a national scale.

    #192823
    maravilla
    Member

    “The question arises, why does the same procedure at CIMA, which is a US company run hospital affiliated with Baylor Medical School, with US trained doctors cost a fraction of what the same procedure does in the US.”

    For one thing, the doctor isn’t making $2M+ a year! As for a litigation-driven society, I agree to some extent, but when it comes to medicine in the US the stats are frightening! 100,000 people a year die JUST from taking medication — either the wrong one, or some voodo polypharmacy that kills them, or the just plain bad, unproven drugs which are recalled 5 years later, but not before they killed or maimed a squadron of people. Right now there are probably two or three thousand pharmaceutical litigation cases pending, many of them with a thousand plaintiffs or more. Misdiagnosis and mistreatment are also rampant in the medical cabal. If an HMO only allows that doctor to dx a patient in ten minutes, how many mistakes do you think are going to be made? Medical litigation is a by-product of a totally corrupt healthcare system. It is not the root of the problem. And how many medical mistakes are made because the doctor was completely incompetent? It’s on the news all the time, and I personally know of a doc who amputated the wrong foot of a patient because he was completely hungover when he went into surgery! Thankfully, medicine in most other countries is still about providing care, not making a wheelbarrow full of cash everytime a patient walks through the door. The docs in Italy recently went on strike because of some of these issues — there the patient is still the primary object, not the money made from treating them.

    #192824
    grb1063
    Member

    Actually, the opposite is more frequent regarding pharmaceuticals. The FDA process is so full of red tape, that it takes years to get successful drugs to market which only adds to the outrageous cost. This is wht so many Americans travle to Canada for prescription medications. Personally, I like the CR approach. If you have a good idea wht is ailing you, then you can get the medicine you need right from the pharmacist without the gatekeeper system that we have in the US.
    $2 million a year is an exageration. Only the top heart and brain surgeons make anywhere close to $2 million per year. Kost family practitioners earn $100,000/year; the other $100,000 oes to their malpractice provider. A chief of a department at a major metro hospital would make somewhere between $400,000-$500,000.

    #192825
    maravilla
    Member

    The gov’t pays for most R and D of pharmaceuticals. Unfortunately, I know more about this topic than almost anyone considering I spent nearly ten years in litigation against the world’s largest pharmaceutical company and had access to internal documents that prove most drugs are dangerous, inadequately tested, and then unscrupulous doctors are paid to sign off on the clinical trials. You’d be better off many times just taking rat poison! You ain’t seen any kind of corruption until you’ve take a very close look at this mess called Big Pharma. My former brother-in-law is a doctor in Beverly Hills. Salary? $1.75 Million!

    #192826
    grb1063
    Member

    Beverly Hills, must be a plastic surgeon and $1.75 is certainly not the norm. This is the average, just to prove a point:

    SPECIALTY Years 1-2 >3 Max
    Allergy/ Immunology $158,000 $221,000 $487,000
    Ambulatory $ 80,000 $112,000 $152,000
    Anesthesiology: Pediatrics $ 283,000 $311,000 $378,000
    Anesthesiology: General $207,000 $275,000 $448,000
    Anesthesiology: Pain Management $315,000 $370,000 $651,000
    Cardiology: Invasive $258,000 $395,000 $647,000
    Cardiology: Interventional $290,000 $468,000 $811,000
    Cardiology: Noninvasive $268,000 $403,000 $599,000
    Critical Care $187,000 $215,000 $320,000
    Dermatology $ 195,000 $308,000 $452,000
    Emergency Medicine $192,000 $216,000 $295,000
    Endocrinology $171,000 $187,000 $260,000
    FP (with OB) $182,000 $204,000 $241,000
    FP (w/o OB) $161,000 $135,000 $239,000
    FP – Sports Medicine $ 152,000 $208,000 $363,000
    FP – Urgent Care $ 128,000 $198,000 $299,000
    Gastroenterology $265,000 $349,000 $590,000
    Hematology/Oncology $181,348 $245,000 $685,000
    Infectious Disease $154,000 $178,000 $271,000
    Internal Medicine $154,000 $176,000 $238,000
    IM (Hospitalist) $161,000 $172,000 $245,000
    Medicine/Pediatrics $139,000 $168,000 $271,000
    Medical Oncology $198,000
    $257,000 $455,000
    Neonatal Medicine $286,000 $310,000 $381,000
    Nephrology $191,000 $269,000 $447,000
    Neurology $180,000 $228,000 $345,000
    Obstetrics/Gynecology $211,000 $261,000 $417,000
    Gynecology $159,000 $213,000 $358,000
    Maternal/Fetal Medicine $286,000 $322,000 $610,000
    Occupational Medicine $139,000 $185,000 $290,000
    Ophthalmology $138,000 $314,000 $511,000
    Ophthalmology Retina $280,000 $469,000 $716,000
    Orthopedic Surgery $256,000 $342,000 $670,000
    ORS – Foot & Ankle $228,000 $392,000 $791,000
    ORS – Hand & Upper Extremities $288,000 $459,000 $770,000
    ORS – Hip & Joint Replacement $330,000 $491,000 $715,000
    ORS – Spine Surgery $398,000 $670,000 $1,352,000
    ORS – Sports Medicine $266,000 $479,000 $762,000
    Otorhinolaryngology $194,000 $311,000 $516,000
    Pathology $169,000 $321,000 $610,000
    Pediatrics $135,000 $175,000 $271,000
    Pediatrics – Cardiology $145,000 $282,000 $607,000
    Pediatrics – Critical Care $196,000 $259,000 $398,000
    Pediatrics – Hematology/Oncology $182,000 $217,000 $251,000
    Pediatrics – Neurology $175,000 $189,000 $362,000
    Physiatry $169,000 $244,000 $313,000
    Podiatry $128,000 $168,000 $292,000
    Psychiatry $149,000 $169,000 $238,000
    Psychiatry – Child and Adolescent $158,000 $189,000 $265,000
    Pulmonary Medicine + Critical Care $215,000 $288,000 $417,000
    Radiation Oncology $241,000 $385,000 $787,000
    Radiology $201,000 $354,000 $911,000
    Rheumatology $179,000 $229,000 $378,000
    Surgery – General $226,000 $291,000 $520,000
    Surgery – Cardiovascular $336,000 $515,000 $811,000
    Surgery – Neurological $354,000 $541,000 $936,000
    Surgery – Plastic $237,000 $412,000 $820,000
    Surgery – Vascular $270,000 $329,000 $525,000
    Urology $261,000 $358,000 $619,000

    #192827
    mwalkr
    Member

    Where do your figures come from? As a physician I’m not anywhere near your numbers nor are any of my peers?- MW, MD

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