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Insurance Hell All insurance-related matters are here: Medicare, worker's compensation, appeals, denials, insights, wins, losses. PRICING is here too. Note: This forum has posts from 2006 forward. Older ones are in the Big File. |
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#1
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Has anyone considered Medical Tourism Insurance?
Hi,
I'm new to posting, but have been reading the board for quite some time and it's been extremely helpful. I was wondering if anyone who has gone abroad form surgery has looked into getting the Medical Tourism Insurance or has actually had experience having to make a claim against one. Thank you.
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DDD C3-7 and L3-S1 Disc protrusions, bridging osteophytes, foraminal stenosis, central canal stenosis, etc. Something at pretty much every disc. 3 level lumbar and 2 level cervical with Dr. Clavel. scheduled for April 10, 2013 |
#2
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If you are thinking that medical toursm insurace would pay for surgery, dont bother as it is a preexisting condition and not the result of something coming up during your travels - you will assuredly get denied when you claim since you are travelling for the surgery. It MIGHT be useful if something unexpected occurs but my guess is even that is excluded in the agreement.
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Lifelong history of back issues from a young age, spasms etc. 1995 - Weightlifting injury 1997 - Hip Injury 2009 - Trampoline injury (just bounced down on my butt) 2009-2011 Physiotherapy and medication, progress but no lasting pain relief 2010 - X-Ray DDD L5-S1, L4-L5, L4-L3 2010 - MRI Herniation L5-S1, Bulges L4-L5, L4-L3 2011 - Epidurals - No relief 2012 - Facet Injections - No relief 2012 - Discogram TBI - positive L3-S1 L3-S1 ADR M6-L w Clavel 11/28/2012 |
#3
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Oh I know that, like most of you, that's how I got here. Denied by my insurance company. I was talking about the insurance policies specifically for medical tourism that provide coverage for complications and such.
This one states it covers: http://www.compassbenefits.com/medical_tourism_insurance.html Plan features include:
I just submitted a quote request a little bit ago, I'm assuming it will come along with the actual policy guidelines. The website has more of the "marketing version". I hadn't found anyone discussing it so I was wondering if everyone else just knows something I don't.
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DDD C3-7 and L3-S1 Disc protrusions, bridging osteophytes, foraminal stenosis, central canal stenosis, etc. Something at pretty much every disc. 3 level lumbar and 2 level cervical with Dr. Clavel. scheduled for April 10, 2013 |
#4
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Keep us posted on your results with the insurance. I am getting ready to make arrangements with Clavel and was thinking about getting some insurance myself. God bless
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05 small amounts of numbness in low back 10/06 fall with severe twist and the end of painless life 07-11 PT, Chiro, PT, and more Chiro with some relief 4/11 pain came on and has settled in for good facet blocks 7 injections DRX 9000 traction (no help) Fentanyl patch and 15 mg oxycodon for breakthrough 4 MRI Bulging L5S1 and DDD 3 Dr's suggest ADR 1/13 discogram 7-8/10 pain 2/28/13 ADR scheduled xxxx canceled 3/21/13 L5S1 ADR M6 with Dr. Clavel who else?:-) |
#5
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Medical Tourism Insurance
I think "the Word" is Don't get medical tourism insurance! It's a waste of money.
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#6
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Is that because you're the ultimate optimist and nothing will go wrong, or because they'll find a way not to cover it when it does? (Just like Cigna did.)
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DDD C3-7 and L3-S1 Disc protrusions, bridging osteophytes, foraminal stenosis, central canal stenosis, etc. Something at pretty much every disc. 3 level lumbar and 2 level cervical with Dr. Clavel. scheduled for April 10, 2013 |
#7
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Quote:
My problem is that flights (for miles) are disappearing meanwhile, I haven't heard back from Dr. Clavel regarding the MRI results I sent this week (just got updated one's last week. The one's he's seen are from Oct. 2011), and I just got my metal allergy test kit and will be doing the blood draw and sending that back tomorrow, and then, they need 10 days to establish whether I have an allergy or not. It's kind of hard to buy non-refundable plane tickets without having all the results.
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DDD C3-7 and L3-S1 Disc protrusions, bridging osteophytes, foraminal stenosis, central canal stenosis, etc. Something at pretty much every disc. 3 level lumbar and 2 level cervical with Dr. Clavel. scheduled for April 10, 2013 |
#8
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Hi, I checked into this type of insurance as I was considering going overseas for my surgery. What I discovered is that in all most cases or a least the two providers I inquired with they do not cover thrombosis (blot clots) which a risk after any type of surgery.
Best of luck, Dean
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44 yo Very active until major back problems Nov2010 PT Massage, chiro 4 shots, no relief Ct, 3mri's all activities stopped, day by day DDD @ L5 S1 Examined by 3 surgeons, Consulted with 2 out of country surg, all reco ADR Surgery Oct. 26, 2012 by Dr. Bouchard, Pro Disc L |
#9
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Thanks Dean,
Thrombosis was definitely up there on my list of reasons for checking into this. I'll be sure to check that specifically before buying anything. If the companies that provide "complication" insurance end up excluding all of the most common complications associated with surgery....
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DDD C3-7 and L3-S1 Disc protrusions, bridging osteophytes, foraminal stenosis, central canal stenosis, etc. Something at pretty much every disc. 3 level lumbar and 2 level cervical with Dr. Clavel. scheduled for April 10, 2013 |
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