Medical problem in a foreign country shocker
Foreign Travel WARNING!
Obtaining Health Care Abroad
If you travel and seek health care abroad, you should thoroughly research health care facilities in the area you are traveling.
The quality and availability of medical care abroad may be variable. Before departure, travelers should consider how they would access health care during their trip should a medical problem or emergency arise. Travelers may seek medical care for a variety of reasons, ranging from minor infections and care for chronic conditions to major illness or injury.
Some insurance plans cover emergency health care, but travelers should check with their carriers to confirm what coverage is offered and what requirements exist. At a minimum, travelers may need to provide copies of bills and invoices to initiate reimbursement.
Emergency health coverage does not usually cover emergency evacuation or the costs of altered itineraries. Travelers may purchase specific policies to cover these expenses, understanding that such policies often do not cover expenses related to preexisting conditions.
Before you go abroad, learn what medical services your health insurance will cover overseas. If your health insurance policy provides coverage outside the United States, REMEMBER to carry both your insurance policy identity card as proof of such insurance and a claim form.
- The Department of State (www.usembassy.gov) can help travelers locate medical services and notify friends, family, or employer of an emergency.
- The Department of State also maintains a list of travel medical insurance providers at travel.state.gov/content/passports/en/go/health/insurance-providers.html
Trip to Puerto Rico Story 07/11/2017
Recently a friend of mine took a trip to Puerto Rico to visit his girlfriend.
He made a couple of plane stops before the last one to Puerto Rico which lasted 16 hours.
While he was in route to Puerto Rico he began to feel some stomach pains.
When he got off the plane his girlfriend took him to a hospital in Manila.
This hospital was Makati Medical Center.
The first thing this hospital wanted before they gave him a cat scan was $500.00 up front.
So he paind $500.00 up front to get a cat scan or ct scan. The cat scan revealed he had appendicitis.
The same day his mother called the Makati Medical Center to find out about his status.
The Makati Medical Center informs his mother that there is NO record of her son being at the hospital even though she had obtained information from his girlfriend which included his patient number etc.
Next she talks to someone in the emergency room and they tell her also there is NO record of her son being there.
She begins to panic and tell the person at the emergency room she is going to call the Manila police.
Before she could call the manila police she gets a call from her son IN HIS HOSPITAL ROOM telling her a woman came into the room and told him he needed to call his mother.
He told her he was in the hospital and didn’t know why they indicated he was not in the hospital nor had any record of him being there.
I thought this was crazy myself and could not understand what was going on nor could his mother or anyone else.
I joked and told his mother, “Well since they don’t know he is ther maybe he won’t need to pay a bill.”
That same day he had surgery to remove his appendix.
In the mean time his mother calls his insurance company and gets all the information the hospital needs except a guarantee to pay the bill which the insurance company has to send to the hospital.
He had blue cross blue shield which covers his medical bill at the MAKATI hospital.
The problem was his insurance company needed to transfer his information to blue cross blue shield global which handles paying the MAKATI hospital.
For some reason the insurance company was having a problem transferring his medical payment information to blue cross blue shield global which handles payments to hospitals in foreign countries.
The hospital tells him he can’t leave until his bill is paid.
They keep him in his hospital room for an additional 2 days because his insurance company had not sent a guarantee of payment.
The third day they tell him he will stay in an area of the hospital under guard until they get paid.
The third day blue cross blue shield global still has not paid the bill.
They tell him the bill was $5,500.
He had $5,600. in cash. He paid the hospital bill himself with $100 left over for food for the next 2 weeks of his stay in Manila.
I told his mother this was, “the thrilla in manilla number 2”.
BE AWARE THAT IF YOU OWE A BILL IN A FOREIGN COUNTRY THEY WILL NOT LET YOU LEAVE THE HOSPITAL UNTIL THE BILL IS PAID IN FULL!
Hospitals in foreign countries will hold you hostage until they get their money or a guarantee of payment from an insurance company.
If your insurance company is incompetent or dragging their feet you WILL BE HELD HOSTAGE BY A FOREIGN HOSPITAL!
Remind me NOT to travel to a foreign country because you can be held hostage by a hospital or an insurance company because the hospital bill has not been paid.