plastic surgery


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STEP-BY-STEP GUIDE TO MEDICAL TOURISM

Going overseas for surgical treatment can be overwhelming for anybody. After all, it’s not like going to a hospital down the road where you have been to before and know all the doctors and nurses. To be successful in your pursuit of low cost high quality medical treatment , there is a step by step process that you must follow to gain confidence in your decision, get the right care and save money.

STEP 1: FAMILIARIZE YOURSELF WITH THE TREND OF MEDICAL TOURISM

Find out why everybody is raving about it and why they are willing to travel half the world for it. Learn from the experience of others . Read news , blogs and articles on the subject. Check out the frequently asked questions that medical tourists have at https://www.healthbase.com/hb/pages/medical-tourism-faq.jsp.

STEP 2: RESEARCH ON THE MEDICAL PROCEDURE

Find out all you can about the medical procedure in question – problems it solves, follow-up care needed, physical therapy required, etc. This will help you clear 3 doubts: is the procedure right for your condition; are you the right candidate for the procedure; and should you go abroad for it.

STEP 3: FIND OUT IF MEDICAL TOURISM IS WHAT YOU WANT

Medical tourism is not always a good choice for non-emergency medical treatments. Sometimes transportation costs may outweigh the possible savings achievable by going abroad. In some cases, the time required for the surgery abroad may be too much for you to spare. Or, the surgery you need may not be available abroad with a reputable health care provider.

STEP 4: LEARN ABOUT MEDICAL TOURISM DESTINATIONS

Some countries have the reputation for top-quality cardiac surgery while others for world-class orthopedics and yet others for cosmetic procedures. So make your selection wisely. Sometimes distance can also play an important role in your decision-making, like in the case of small dental jobs. You should also prepare yourself for culture differences.

STEP 5: LEARN ABOUT INTERNATIONAL FACILITIES AND SURGEONS

When researching on any health care provider try to find answers to the following:

Does the hospital or clinic employ the latest equipments and technology? Do they have expertise in the medical procedure you are seeking? What accreditations and awards do they have? Are the surgeons qualified enough? Where did they receive their education and training?

Answering these questions will give you a fair idea of the standard of quality of the provider.

STEP 6: ARRANGE ALL YOUR MEDICAL RECORDS

You will need them at the time of pre-consultation with your overseas surgeon as well as when you go abroad for surgery. Depending upon the condition you are treating, medical records you may need are: X-Rays, X-Ray reports, MRI’s, health histories, photographs, immunization record, prescriptions, etc..

STEP 7: REQUEST AND COMPARE QUOTES

Costs of health care vary from country to country and provider to provider. So request for quotes and compare them. Your selection of a particular provider and country should be based not just on low cost but also on quality as well as distance.

STEP 8: CHECK WITH YOUR INSURANCE FOR COVERAGE

With the numerous benefits that medical tourism offers, today some insurance companies have medical tourism plans. So, if you are covered under an overseas medical treatment plan, your insurer might cover your medical tourism expenses in full or in part. So check with your health insurance company for coverage details.

STEP 9: ACQUIRE YOUR PASSPORT AND VISA

If you and/or your travel companion (if any) do not have a passport, you will need to acquire it. Some countries may require you to have a visa for entry. Check visa requirements and apply for it.

STEP 10: PLAN YOUR ITINERARY

When planning your itinerary, allow ample time for recovery. Be prepared to stay longer/shorter than expected. If you have travel or tourism on mind, allow time for that as well.

STEP 11: BOOK TICKETS AND ROOMS

Book tickets for yourself and your companion. After your surgery, you can choose to relax at a resort or in a hotel or go traveling in the foreign country. So if possible, make arrangements beforehand.

STEP 12: APPLY FOR TRAVEL INSURANCE PLAN

Consider purchasing one of the short-term health and emergency assistance policies designed for travelers. Travel insurance gives medical tourists coverage for unforeseen problems, from a canceled flight to a serious illness.

STEP 13: APPLY FOR MEDICAL FINANCE LOAN

If you do not have enough money for your medical treatment overseas, you may consider applying for medical loan or dental loan. Loan processing companies provide patient payment plans for plastic surgery, dental procedures, bariatric procedures, dermatology treatments, hospital, etc.

STEP 14: PREPARE YOUR HOME FOR RECOVERY

In certain cases, you may need to prepare your home for recovery. For example, if you are seeking affordable hip resurfacing surgery abroad , you may want to rearrange furniture in your house in advance before you leave to aid during the recovery stages.

STEP 15: PACK YOUR BAGS AND TAKE THE TRIP

Ensure that you have packed comfortable clothing. Bring some local currency, travelers checks, and one or two major credit cards. Keep important contact information handy. Bring all the required medical records. Remember to carry all your medical reports as well as any medicines in your carry-on luggage. Finally, take your well-planned medical trip and return home happy and healthy!

The above step by step medical tourism guide will help you with most aspects of medical tourism. To make your medical travel easy you may want to use a medical tourism provider to help you with all the logistics of medical tourism. Medical tourism providers like Healthbase (http://www.healthbase.com ) connect you with the hospital of your choice while providing many other related valuable services.

You can learn more about the growing trend of medical tourism, international healthcare facilities and surgeons , and the details of the medical tourism process by logging on to http://www.healthbase.com. Healthbase.com is a medical tourism facilitator committed to providing low-cost high quality medical travel services to the global medical consumer.

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Healthbase is the trusted source for global medical choices, connecting patients to leading hospitals around the world, through secure and information-rich web portal. To learn more, visit: http://www.healthbase.com Login to get FREE quote. Access is free.Healthbase Logo

Plastic Surgery

Plastic surgery is generally covered by insurance only if it is a reconstructive surgery and not a cosmetic surgery. 

Reconstructive surgery is performed on abnormal structures of the body, caused by congenital defects, developmental abnormalities, trauma, infection, tumors, or disease. It is generally performed to improve function, but may also be done to approximate a normal appearance. On the other hand, cosmetic surgery is performed to reshape normal structures of the body in order to improve the patient’s appearance and self-esteem. (Source: American Medical Association and American Society of Plastic Surgeons (ASPS)) 

Cosmetic surgery is usually not covered by health insurance because it is elective. Cosmetic surgery is your choice and not considered a medical necessity. Reconstructive surgery is generally covered by most health insurance policies although coverage for specific procedures and levels of coverage may vary greatly. 

The general rule insurance companies follow is that if there is a medical reason for the surgery, it will be covered under reconstructive surgery. For example, a patient may need a rhinoplasty due to obstructive breathing. A second patient may want a rhinoplasty because she feels her nose is not perfect. The first patient may have it covered by insurance, the second patient would not. 

Most insurance companies will have medical criteria that must be met in order for the surgery to be covered. This is especially true for breast reduction patients. Depending upon height, weight, and medical conditions, a certain number of grams must be taken off each breast. 

And even if you are getting the plastic surgery for a medical reason and you have insurance coverage, it does not mean the insurance carrier will pay the full amount of the surgery cost. Depending upon your specific insurance plan, you may have to pay a deductible, a flat-rate co-payment and a percentage-based co-payment. 

Example:
Consider the example of a woman who is planning to undergo a reconstructive breast reduction (reduction mammoplasty), the surgical fee will be $12,000. Her plan has a $500 annual deductible, and will cover 70% of her covered medical costs. If she hasn’t paid anything so far this year in covered medical expenses, she must pay the first $500 of the covered costs of the breast reduction surgery to satisfy her plan’s $500 deductible. If her plan cost’s share is a percentage-based co-payment of 70%-30%, the carrier will pay 70% of the covered costs of the procedure. Once that is settled, she must pay for 30% of the covered costs, plus any costs for which the insurance plan denies coverage. 

If the patient’s insurance plan covered the full surgical fee, the cost sharing would look like this: 

Reconstructive Breast Reduction Surgery:              $12,000
Balance of deductible:                                          $500
__________________________________________________
                                                                          $11,500
Insurance coverage: $11,500 x 70% =                   $8,050
Patient payment: $12,000 – $8,050 =                     $3,950

The $3,950 is the patient’s responsibility under the percentage-based co-payment arrangement.

It should be noted that the insurance plan may not cover the full surgical fee. Also, sometimes the patient may have to pay in part or full the cost of the prescription drugs.

Needless to mention that had this breast reduction surgery been a cosmetic one, the insurance would not have paid anything even though you had been paying your monthly premiums. However, if you opt to have the same surgery overseas, say in Mexico, you may have to pay just a fraction of the cost in the US.

At Healthbase, we ensure that you get the best quality treatment for low at our partner hospitals overseas so you never have to worry about being fully insured. Sign up for FREE to obtain your treatment quote and consult with our surgeons about how they can help you with your problem. 

Healthbase is a medical tourism facilitator that connects patients to leading JCI/JCAHO/ISO accredited hospitals overseas through a secure, high-tech, information-rich web portal. Healthbase provides a wide range of medical procedures through its partner hospital network. Over hundred medical procedures are available in various categories: cosmetic and plastic, orthopedic, dental, cardiac, and many more. The savings are up to 80 percent from typical US prices even after adding up the travel costs, hospital stay and other related expenses. Healthbase offers more than just procedural availability; we also provide customers with extensive information on medical treatments, hospital and doctor profiles to help them make an educated decision regarding their treatment; travel planning and booking; applying for medical/dental loan and much more. 

To learn more, visit http://www.healthbase.com/ and login to view our extensive hospital profiles including pictures of operating rooms, patient rooms, doctor qualifications, and lots more. Get a FREE quote now!! 

Note: All information presented here has been obtained from publicly available medical resources and is here for reference purposes only. Healthbase does not claim to be a medical professional and does not provide any advice on any issues relating to medical treatment.