Medical Travel Tourism Takes Flight:

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• Medical Travel / Tourism Takes Flight
• International Medical Care is Now an Option for
  Employers

Daniel Ede, MS JD Companion Global
Healthcare [phone] Mobile [phone]
Office Daniel.Ede_at_companiongroup.com
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What is Medical Tourism / Travel???

• Medical tourism (also called medical travel) is a
  term initially coined by the mass media to
  describe the rapidly-growing practice of
  traveling across international borders to obtain
  health care.

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The Perfect Storm..
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• Issues Leading Americans to Travel Abroad for
  Surgical Care
• The Perfect Storm
• Relatively high costs for healthcare in the U.S.
• Growth in High Deductible Health Plans
• Silver Tsunami (aging population - sharply
  increasing demand)
• Decreasing Supply of MDs and RNs
• Ease and Affordability of International Travel
• Identical Technology and High Standards of
  Care in Other Countries
• Hospitality Differentials

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Medical Tourists Destinations
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Why do they travel for healthcare?

• Cost
• Access
• Quality
• Service

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Opportunities forHealth Plans In
aConsumer-Driven Market A Point of View Based
onDeloittes 2008 Survey of Health Care Consumers
Lee Resnick Deloitte Center for Health Solutions
July 23, 2008
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Four key themes emerged from the survey findings
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Questions that companies need to answer before
providing a global option to their employees

• Where in the world are these facilities?
• What is the level of care provided?
• Are the cost savings significant?
• How would I design my benefit plan?
• What if something goes wrong?

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Overseas JCI accredited
network, 2009
Blackrock Clinic Dublin, Ireland
Klinikum Chemnitz Chemnitz, Germany
Anadolu Medical Center Istanbul, Turkey
Kent Hospital Izmir, Turkey
CIMA Hospital Hermosillo, Mexico
Bumrungrad International Bangkok, Thailand
CIMA Hospital Costa Rica
Wockhardt Hosp, Bangalore Mumbai India
CIMA Hospital Monterrey, Mexico
Clinica Biblica Costa Rica
Min-Sheng Hospital, Taiwan
Prisma Dental Costa Rica
Wockhardt Hosp, Bangalore Mumbai India
East Shore Hospital Singapore
Meza Dental Costa Rica
Adult Dentistry of Costa Rica
Mount Elizabeth Hospital Singapore
Gleneagles Hospital Singapore
Hospital Israelita Albert Einstein Sao Paulo,
Brazil
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Long-Term Aftercare Potentials
SOURCE American College of Healthcare Executives
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What is the level of quality as these overseas
facilities?
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Quality Differentials
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World Health Organization (WHO) Overall Ranking
of Its 191 Member States
Rank 1 France 2 Italy 3 San Marino 4 Andorra 5 Mal
ta 6 Singapore 7 Spain 8 Oman 9 Austria 10 Japan
37 United States
This performance assessment of health systems
is based on many variables including
socio-economic, political, and technological
standards.
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Global care options challenges

• Perceptions of inferior facilities and care

PERCEPTION
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Global care options challenges
REALITY
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How does patient safety compare?
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Global Healthcare Network
Anadolu Medical Center Istanbul, Turkey
Blackrock Clinic Dublin, Ireland
Bumrungrad International Medical Center Bangkok,
Thailand
Hospital Clinica Biblica San Jose, Costa Rica
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Gleneagles Singapore
Mount Elizabeth Hospital Singapore
Prisma Dental Costa Rica
Meza Dental Care Costa Rica
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Are the cost savings significant?
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Price Differentials

• Procedure Averages for Five Major Surgical
  Procedures 2008
• Quadruple Heart Bypass, Vaginal Hysterectomy,
  Spinal Fusion, Total Hip Replacement Total Knee
  Replacement

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What would my health plan look like?
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Imagine a new health benefit option
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What if something goes wrong?
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Protective measures for all parties are available!

• Insurance is available to protect the employee if
  something goes wrong overseas. Legal systems are
  different once you leave the USA.

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Business opportunities for Implementing a Global
Healthcare Option

• Include in value-add programs to fully insured,
  self funded, the uninsured, and TPAs
• Include as an option for High Deductible Health
  Plans
• Include in limited benefit / mini-medical plans

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Can Global Healthcare Options Save Money for
Employers?

• Self-Funded Companies
• Each procedure yields direct savings
• Potential for reduced stop-loss premiums
• Improve competitiveness nationally and
  internationally
• Fully-Insured Companies
• Lower medical trend
• Potential premium reduction upon renewal
• Offer procedures not covered in plan (gastric
  bypass, or pre-existing conditions)

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Is it profitable for payors?

• Increase access to care for members
• Improve member retention
• Improve member satisfaction
• Respond to customer needs with wider selection of
  network facilities
• Respond to an increasingly mobile population

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Example of cost savings potential for a
self-insured company

• An Employee of a self insured company needs a hip
  replacement costing 50,000.
• Normally, the employee would pay a deductable
  (500) then be responsible for 20 of the
  difference (9,900) for a total of 10,400. The
  employer would pay 80 of the difference
  (39,600).
• With a Global Healthcare Option, if the employee
  utilizes a network facility, the employer would
  pay the whole cost (around 8,000) and the
  employee would pay nothing.

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Can Global Healthcare Options be Beneficial for
Employers?

• Increase access to care for employees and their
  dependents
• Expands benefit plans with minimal cost
• Offers a wider selection of network facilities
• Respond to an increasingly mobile population
• Recruit and retain talented employees

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How can Global Healthcare Options add value to an
employee benefit consulting firm?

• Additional product offering to your current
  product line that is cutting edge to offer to
  your existing and prospective clients.
• An additional potential revenue stream to your
  company while adding value to your clients.
• Full service support from the global provider to
  assist in enrollment or company sign ups.

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• Daniel Ede, M.S., J.D.
• Companion Global Healthcare, Inc.
• Daniel.Ede_at_companiongroup.com
• 800-288-2227 Ext. 41583