Technology Insurance Company Inc.
Technology Insurance Company Inc.
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Insurance companies have an excellent opportunity in Travel Medicine
With the cost of health care in the United States continues to grow at rates above inflation, U.S. health insurers are going through a very difficult period and there is enormous pressure on their finances. Some allow these increases affect the cost of their income as a way to gain market share, others arrive to customers as higher premiums, and still others prefer to maintain prices, but creatively elbow deductibles, co-payments and the contract terms to survive in a market very competitive and controversial. However, little by little, we must recognize that the safety valve is abroad.
As technology and information flows are shrinking our world, travel for health care is universal. Americans looking for good, yet affordable dental and medical found that neighboring countries have shown that private health facilities provide high quality services to very good. Even if the U.S. insurance companies, it is an irreversible trend and understand that leaving some of his clients opt by going abroad for surgery can provide an excellent opportunity to meet some of the load being too slow to adopt it as part its strategy. Customers insured urgent need to find less expensive alternatives abroad is not only despised, but sometimes illegal. What they do not realize is they have this already and what they need to align the incentives is a little better.
The story of one of our recent patients illustrates this point. Chris Moss, a citizen of Denver, who asked to remain anonymous, has recently been diagnosed with prostate cancer and advised by his doctor for immediate treatment. Not having had health problems in the past, it was their first call to Aetna Global Benefits provided by your employer, insurance company. To his surprise, while the robotic prostatectomy surgery, which she desperately needs covered only 80% if performed in the United States, leaving it hard to cover medical expenses over $ 10,000 may choose to have its operations abroad and its insurer would pay 100% of it. Chris immediately began examining the options in the foreign bypassing conscious of everything that does not meet or exceed the quality of care they receive in May in Denver and quickly found an option: 1) that provides quality care than the first, technology and experience of surgeons, 2) is very close to home, 3) has a speaking staff English, and 4) provides the possibility of remote consulting with doctors in advance.
Unknowingly, Chris quickly became a traveler Medical, one of hundreds of thousands of Americans looking for affordable health care abroad. Because patients often do not know where to begin your search, or what they find, easy travel medical assistance to understand what the best options, get quotes price, contact with doctors, medical travel reservation, and visit the doctor without any problems. It is through our company Travel Monterrey called focused to ensure that Chris has learned about their options in Mexico and had a perfect experience of research at the reserve, and Record to the hospital to home. Two weeks after the start of its investigation, Chris cancer would be removed using the world Medical's most advanced today.
In this case, Chris is very happy to have spent about $ 1,000 in travel and accommodation he had spent easily over $ 10,000 in co-payments in Denver. Similarly, your insurance company spent $ 28,000, when he would could pay 80% of surgery $ 50,000, or about $ 40,000. The case is clear, the best medical care outside the United States, responding to the same quality standards, is so cheap as to pay 100% of the least expensive to pay 80% of the United States. While this type of policy and coverage of 100% abroad are not the conditions of normal health plan should be an indicator for the industry. Let's be clear, urged anyone go abroad for surgery. Nothing illegal or scorned has been done. All parties are happy (including Mexicans involved). It is a simple case study for the free market and incentives. Perhaps that insurers must notify the holders Policy options have a value abroad. Maybe all insurance companies should think about adding the "100% coverage abroad "for all policies and see how the market's invisible hand actually reduces costs and therefore premiums. However, it are great opportunities for foreign insurers employ creativity in the right way. The best part is that every advantage: industry Insurance, customers and society as a whole.
About the Author
Gabriel Senior is the Founder and General Manager of Travel For Care, an innovative medical travel facilitator based in Monterrey, Mexico marketing high quality medical services to North American patients. For more information please visit www.travelforcare.com or call (800)571-0640
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