Medical Tourism: Get the Medical Treatment you Need Overseas
It’s hard not to be keenly aware that health care costs have skyrocketed – a week’s stay in the hospital for a few tests and treatment WITHOUT ANY PROCEDURES can cost $15,000 or more![1] So, it’s not surprising that an increasing number of people who need or want real treatment are looking elsewhere for a solution.
Where do they go? To places like India, Thailand, Panama, and Argentina. These countries have strongly emerging economies, and have correspondingly made significant investnment in their medical capabilities. That translates to quality care – second to none – at reasonable cost.
“Medical Tourism”, the name for the new practice of going overseas to receive medical treatment and perhaps get a bit of travel in on the side, is becoming a very popular option, for many.
It can make a lot of sense. Laparascopic, prostate, hernia repair, gastric banding, dental implantation, and other treatments can cost far less in say, India, than in the US – a tenth to a fifth as much. There is no delay in diagnostics and treatment, either. Diagnostics and tests are done in the same facility, the prognosis and treatment follow, immediately. Billing is easy, too – just a matter of presenting a credit card for the final bill, often determined by an up-front quote.
Of course, medical care is only as good as the doctors that perform it. There is excellent news on this front, as well. Doctors in India (again) are very active in the international medical community. Go to any major facility in the US, and you’re likely to see a large number of Indian doctors on the staff. Likewise, many Indian doctors are US trained. Doctors are constantly engaged in improving their skills, and in imparting those skills to others in the international medical community.
And, of course, the fact that you are in an exotic place, only adds to the enticement. The “tourism” aspect is a terrific adjunct – why not recover seeing the Taj Mahal, or Qtub Minar, or on the beaches of Goa? Why not, indeed. Facilities typically have arrangements to help you explore your new-found destination.
Medical treatment overseas may be just the ticket you’re looking for – if you don’t have health insurance or your insurance has determined that a wanted procedure is ‘elective’, or there are other impediments to your getting the treatment you want, it can be very much worth your while to investigate your “Medical Tourism” options.
As always, you should investigate your options and requirements as they apply to your situation. One place to do this is by participating in a forum we have set up for just such a purpose (see link in resource box.) The forum is free to all, you just need to join to participate. Treatment overseas adds one more choice to your set of options – an option that can greatly reduce costs, and give you the opportunity to explore another part of the world, while you’re at it!
[1] Source: personal experience.
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Are Medical Loans The Answer To Affordable Medical Treatment?
What happens when you need medical treatment that is not covered under health insurance? Many times, people do not have adequate medial insurance coverage to take care of medically necessary procedures. Often medical treatment is needed immediately to have any chance of success, so it really isn’t viable to try to save up the money for treatment. When you can’t afford medical treatment that you need, and there isn’t an acceptable alternative treatment, getting a medical loan might be your best option.
There are a number of lenders who are willing to make loans for both medically necessary and elective medical procedures. Medical loans are funds that are advanced to a person for the specific purpose of being used for medical treatment. They are typically unsecured loans that are basted on creditworthiness. The interest rate usually reflects the going rate in the market. Additionally, many medical loans have a built-in grace period, allowing patient recovery time before repayment is required to begin.
Medical loans are often the only hope for getting needed medical treatment for those who either don’t have health insurance or do not have the funds available to pay their deductible. People with chronic illnesses often need medical loans to be able to continue treatment once their coverage is depleted.
Many people seek medical loans for elective medical procedures as well. As a rule, health insurance will not pay for any type of treatment considered to be medically unnecessary. For example, procedures such as liposuction, gastric bypass, dental cosmetic surgery, cosmetic surgery, ****** enhancement, ****** reduction, and other similar procedures are typically not covered by health insurance.
These types of medical procedures that are in most cases required for mental satisfaction rather than physical well-being. While no doctor would recommend these procedures as a must-have for a healthy life in most cases, most are of the opinion that such procedures can improve the morale of the person to a great extent. Hence, from a psychological point of view, such procedures do improve the quality of life of the patient.
Many special clinics have been set up with the specific purpose of providing elective medical procedures services to people who want or need them. These clinics, knowing full well that such procedures are not likely to be covered by patients’ health insurance, often provide resources for medical loans to their patients. This enables patients to find a way to afford the services they desire without having to research funding options on their own.
