Insurance for Overseas Surgery

Who will pay the bill when you seek medical care out of the country?

Health-insurance companies have been slow to accept the idea of medical tourism, but several now allow their members to travel outside the U.S. to receive care.

For example, two providers based in Southern California, Health Net of California and Blue Shield of California, offer cross-border coverage that saves roughly 40% in insurance premiums for policyholders who agree to seek routine treatment in Mexico. "There's always been a pattern of travel to Tijuana for medical care," says Ana Andrade, vice-president of Latino programs for Health Net. "Many Latinos are more comfortable with doctors who speak Spanish and understand their culture, and with this program we're able to fill a need that has existed for some time."

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