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SPECIAL CONFERENCE ISSUE Greetings,
Jackie Aube is CIGNA HealthCare’s vice president of product management. In this role she oversees the development and enhancement of CIGNA’s core product solutions, and is the company’s product lead for medical tourism. Aube has been with CIGNA for more than 20 years and has held a variety of management positions in contract administration, account implementation, service operations, client services, sales and marketing. She holds a bachelor’s degree in business management from State University of New York, where she was a member of the National Honor Society in Business Administration. Laura Carabello (MTT): How would you define medical tourism, as the market you deal with here in the U.S. perceives it? Jackie Aube (JA): In my conversation with others, it’s clear that the perception of medical tourism is predominantly focused on U.S.-based citizens going abroad for the purpose of medical care. Again, that’s the most common definition used by individuals that I deal with here in the U.S. MTT: Understanding that that’s how we’ll be viewing the term in the context of particular interview, can you share with me how you like the term medical tourism? Do you think it’s descriptive or would you like to see something else -- is it the globalization of health care? JA: Yes, I think a better term - and one we’ve actually started using internally - is global health care consumerism. I think that is a better term for how we view it here at Cigna. MTT: Even in the context of focusing on the needs of American citizens to travel outside the country? JA: Yes. MTT: Do you currently have contracts with foreign hospitals to take care of your expatriates, citizens, or workers/employees that are living in other countries? JA: Yes, we do through our Cigna international division. It’s important to understand the distinction between our international division and our health care division. Through our international division we offer our employer customers the opportunity to buy expatriate coverage. So for global companies that send their employees to other countries for business for extended periods of time, the employees will have health care coverage through our international division. We also offer products specifically designed for shorter-term assignments to allow clients to customize based on their unique needs. MTT: So your international network is made of up the providers who offer care for employers sending employees all over the world? JA: Yes MTT: Can you tell us what your U.S.-based members are looking for in terms of a care provider? JA: Many of our customers are self-insured, which means they fund all of their claims and they have a lot of say in plan design, including specific benefits covered by the plan. I would say that employers who are considering the addition of medical tourism to their U.S.-based policies tend to be the thought leaders in the American employer-based market. They tend to be the early adopters of new trends, and we’re already getting some questions regarding medical tourism and what it means for them. We are working to develop solutions that will meet the broad range of global healthcare needs. And at this point, there is some interest in international centers of excellence. If a client is considering sending one of their employees abroad for the purpose of medical care, they are going to want to partner with a company that has experience internationally. That same company must also have the ability to consult with them about what they should be looking for in terms of facilities, safety, and quality standards—and all the other logistics you would need to think about if you were going to send an employee abroad for medical care. MTT: If you could quantify, how many inquires would you say you’ve received? MTT: If you had to qualify to what extent Cigna is embracing this concept, would you say it’s a low, medium, or high level? And what would be your role in making decisions related to pursuing it? JA: My role as product lead is to monitor the trends very closely and to chart a course for Cigna that would ensure that we have solutions to meet the demand. I would say that in terms of pace, we are really letting the market drive that pace. We have received a fair amount of inquiries, but I think employers are appropriately cautious. It’s very new, so we are certainly willing to work with employers that are interested in pursuing the concept further. MTT: I want to ask you this personally because people ask me this because of the newsletter: Would you personally consider going out the country for medical care? JA: I think if I had not been working on this particular initiative my answer would have absolutely been “No.” But through the research I’ve been doing on behalf of Cigna, I’m now more aware of the existence of high-quality facilities outside of the US and the extent of the training of the physicians that practice in these facilities. When you consider this in addition to JCI’s involvement and the pace at which several foreign hospitals are now seeking independent quality accreditations, I’d have to say that now I’m warm to the idea. Very warm. MTT: Would you say that JCI accreditation is a must for Cigna? JA: I wouldn’t necessarily say so. I think that it always helps to have additional independent reviews, but we are still assessing what the appropriate quality indicators should be. That is probably one area where we feel there is more to do in terms of research. MTT: I am sure you are familiar with all the other accreditation programs all over the world that seem to want to mirror JCI. MTT: Given those, what countries would you say would be most appealing to Americans? MTT: Would member perception include a language or culture? MTT: We talked about quality as being an important factor. But obviously, cost comes into this, too. What are your thoughts on cost as a factor as it relates to quality? Safety is also a factor. Employers need to consider any additional liabilities that they might be taking on. So, while there are several factors to consider, clinical quality and safety standards are at the top, followed by cost, and then all other implications. MTT: Do you think there will be issues with insurance and essentially giving up your right to file a lawsuit if you had a bad outcome? Also, how does Cigna handle this matter? MTT: What are the implications for Cigna? Let’s say I was a Cigna member and had a bad outcome in Turkey and hold Cigna responsible for that bad outcome. Do you see that as an issue or as something this industry should tackle? MTT: Are you familiar with the term value-based health design? If so, how do you see it fitting into that scenario? Medical tourism is most appropriate for types of procedures that don’t need a lot of pre- or post-operative care, but may be high cost. Surgeries such as hip and knee replacement and some cardiac procedures—such as bypass surgery—fit this description. Value-based health designs focus on designing benefit plans intended to encourage behaviors that mitigate heath problems. For example, reducing or waiving pharmacy co-pays for drugs to lower cholesterol levels. MTT: How about bariatrics? Are you looking at that? MTT: How would Cigna go about looking at after care? MTT: Do you envision Cigna having a special network in place for it? MTT: That’s fair. This industry is still growing up. How do you see partnerships between U.S.-based hospitals and foreign hospitals and how would that work to the benefit of a plan like Cigna? For example a Johns Hopkins might have a marketing partnership with a hospital in Singapore. JA: I think that’s a really interesting question because it is obvious that large notable facilities in the U.S. are starting to think globally, and a number of them are already creating sister partnerships internationally or have franchises internationally. MTT: And if Cigna has contracts with those hospitals, it might be a natural extension? MTT: If you were a gambler, what odds would you give medical tourism for acceptance in the U.S.? MTT: Do you have any employers that have indicated they would like to get started July 1st? SPOTLIGHT
In early April the Open Health Tools (OHT) Foundation announced it was launching a collaborative effort between national health agencies, government-funded organizations, healthcare providers, international standards organizations, and numerous companies from the United States, Canada, Australia, and the United Kingdom to develop common healthcare IT tools. The OHT’s mission is to accelerate the implementation of electronic health information interoperability and, thus, increase patient safety, improve the quality of care, and advance the access to electronic health records (EHR). Medical Travel Today recently had the opportunity to talk with Skip McGaughey, executive director of OHT about the organization and their goals. The following is an excerpt from that conversation. Medical Travel Today (MTT): Tell us a bit about where the idea for the Open Health Tools came from and your involvement. Skip McGaughey (SM): It evolved over the past 2-1/2 years and is really an outgrowth of lessons we’ve learned from the multiple organizations that our founding members have worked with over the years. We saw this as an opportunity to take advantage of the victories and beneficial things we’ve learned from other experiences and a way for us to not repeat mistakes. At the start of this, you had a number of national organizations all sort of struggling to develop a way to handle their information. We recognized that there really was no need to keep recreating the same code over and over again around the world. So we decided to simply collaborate on building the same infrastructure code. At that point we really formalized OHT and used the Eclipse Foundation as our model. For your readers who may not be familiar with it, the Eclipse Foundation is a non-profit, member-support corporation that hosts the Eclipse projects. Eclipse is an open source community in the area of computer programming. It’s essentially a large and very vibrant community of individuals, corporations, academic institutions, and so forth, all who contribute ideas and means for building, expanding, and maintaining software across different platforms. The Foundation offers some structure to all those individuals out there who are involved in the process. The OHT is essentially the same. We provide some structure and guidance to the various entities and individuals who are attempting to increase interoperability of Health Information. MTT: So does a hospital or company need to join OHT to participate? SM: No, anyone can download the code and use it. Organizations can join OHT and participate in the planning and policies. It’s not complicated nor is there a fee. Any one, that includes individuals or organizations, with an interest in what we’re doing and an ability to contribute is welcome to join the open source community. Again, there’s no membership charge but we do look for a statement of what each member feels they can contribute. That could be working on a particular assignments, software development and input, helping with public relations or supporting an event, and so forth. We’re really looking for people and organizations who want to help to have secure health information when needed and where needed SM: We’re currently at 30. We anticipate growing at about eight new member organizations per quarter. MTT: You mentioned assignments for members. Where exactly do those come from? SM: Similar to Eclipse, we have a Board of Stewards. This group establishes what’s to be done, how it’s to be done, and establishes the constraints and functionality of each project. The Board meets once a quarter and reviews each project. We look at what’s being done with an eye towards accountability, success and risks. Ultimately we’re looking to make sure that projects are moving forward. From those meetings we provide direction back to the members on where to take something or how far to go. All the projects or assignments are about generating code to move things forward. For example, in the UK the National Health Service is leading a project to do messaging so that one hospital can communicate with another or to a physicians office. They are leading a world wide effort to develop and deploy the software. Australia is leading another world wide effort on terminology. The goal is to have everyone using same the same term worldwide to convey the same condition or meaning. And the outcome of all these projects is shared worldwide. MTT: That’ all very exciting. I’m sure managing that many ideas and types of talent presents some challenges. What would you say is your biggest obstacle at the moment? SM: Language. And I don’t even mean English versus French or what have you. I mean the fact that the people who do the technology speak in a language that’s different from what physicians understand. Then you’ve got physicians who speak differently than computer software people, yet we are trying to get them all to talk about the same thing. So what happens is the technology people adapt technology to meet the needs of what they think the need is, when in fact the physician’s need is actually quite different from what they perceived. It can be hard to get them to communicate. But the good news is that once they understand each other—you know, find that common language—it’s very easy to get them talking. They’re all interested in the same thing. We just have to make sure they understand each other before undertaking their various efforts. MTT: Very interesting. Looking specifically at medical travel, how do you see what you’re doing impacting this industry? SM: The ultimate global information-share is going to fundamentally change things in all aspects of healthcare. A lot more people are going to have access to a lot more information. Those people are in turn going to discover and share ideas related to it. People of like minds and thinking will discover each other across the ocean instead of down the hall. We’ll see some significant cost reductions as simplified, standardized information will increase efficiencies. That will save money and save time. The number of organizations participating will in doubt increase as we find more and more solutions and commonalities. People will want to be a part of that; to benefit from it. You know I’ve been to Australia, the UK, Canada, Asia, all over – and everybody is focused on just trying to cope with what they have to do today. What’s going to happen is that we’re going to provide them with the tools to get the day-to-day done. There will be ways to keep them from having to do the same things over and over again. And it could come from the other side of the world. It’s very, very global yet single-minded in focus. But thinking past the software and code, the real opportunity is how to help save lives and how to improve the quality of care worldwide. That’s the real driving force. About Skip McGaughey Prior to joining IBM, and following a teaching career at the University of North Carolina, Chapel Hill, Skip McGaughey was the data processing manager for a large information technology organization delivering human services in North Carolina. To learn more about Open Health Tools visit www.openhealthtools.org.
INDUSTRY NEWS Your Medical Travel Newsletter Launched
America’s first newsletter for the medical traveler, this monthly newsletter offers readers much-needed information on topics related to medical travel. Each issue deals with subjects ranging from choosing a destination and specialist to understanding your treatment options, arranging aftercare from your domestic provider, recognizing matters related to costs, insurance options, and the unique legal liabilities of this type of medical care. Your Medical Travel: Travel Companion and News for Medical Tourists is free to consumers. To activate your subscription, simply email editor@yourmedicaltravel.com. To learn more about sponsorship, email editor@yourmedicaltravel.com.
Now Available: BridgeHealth Interview with Employee Benefits Adviser Medical tourism company BridgeHealth recently announced their global provider network, which appears to vary geographically as well as by the facilities' specialty services. Victor Lazzaro, BridgeHealth CEO, explains the role a strong network plays in creating confidence in care abroad and sheds light on the provider selection process. To listen to the interview click here.
Publisher of Medical Travel Today Addresses Council for Affordable Health Insurance On April 15, 2008 and at the invitation of Merrill Matthews, president, Council for Affordable Health Insurance, Medical Travel Today’s publisher Laura Carabello provided information about medical travel to a diverse audience of industry professionals. Much of the discussion revolved around issues related to price. The following is an excerpt of the transcript from the Q&A portion of the event: Laura Carabello (LC): I think one of the great things about medical tourism is the transparency of pricing as compared to what goes on in the US where there is still a lack of transparency. And, yes, people are shopping on the Internet. They may say, “I know I need a hip replacement and I’m going to look at Singapore, India and New Zealand.” And the answer is “Yes, you can get the pricing right up front and do your shopping on line.” Medical tourism companies and coordinators in the United States such as BridgeHealth International might be able to guide you. But I think that people should be able to understand that the location, the safety and the accreditation and all such matters impacting quality are more important than the pricing. It’s going to be a lower price no matter what. Merrill Matthews (MM): Is there is there some sort of body that approves the various medical tourism organizations? I expect that if this takes off, and this may already be the case, that there would be scam organizations popping up. So is there some way to accredit organizations? LC: There is an organization that’s beginning to offer accreditation to medical travel coordinators. I can tell you there are a handful that are reliable groups that really do their homework. StarHospitals.net, for example, is run by physicians out of Canada, although they are starting to serve American medical tourists. BridgeHealth and MedRetreat are also names that come to mind. There is an accreditation body but I don’t know how much traction it’s gotten because it was recently announced. Audience Participant: I am curious about how the hospitals are able to offer such low prices. I certainly understand the low labor and construction costs, but what about the equipment? Most top-of-the-line medical equipment is made in the United States, particularly imaging equipment. Do Indian providers get a better price from GE than American providers? Is there any of edge there that allows them to sell for less? LC: I visited a hospital in Monterrey, Mexico over the summer and when I went into their imaging department I saw their MRI and CT scan equipment. They had a six-slice scanner and I was amazed to see that it was a GE piece of equipment. The fellow who was providing the tour for me said, “You know we get our equipment at a fraction of the cost of what they sell it to you in the United States.” So the answer is yes, they are getting better deals. I don’t know how much of a better deal, but they are getting better deals. Going back to other costs, the big issue is, of course, malpractice. Patients really don’t have recourse with malpractice when they go to a place like India. So if you eliminate the cost of malpractice, all of a sudden it brings your cost way down. Audience Participant: Do you have or do you expect to be able to generate statistics to be able to tell what the impact of medical malpractice insurance costs is on the cost of treatment in this country as opposed to those countries? LC: That’s a great question. I don’t even know if the hospitals abroad even care to even do that calculation, so it’s going to be incumbent upon US providers to calculate those costs and to bring it to the fore. The foreign countries are obviously delighted that they don’t have these expenses. . LC: It’s already happening. I spoke to the cardiovascular department at Baylor and that’s exactly what they do. For example, the hospitals in New Zealand and Argentina are owned by private physicians. They get the physicians from the United States to come down and do their procedures and then return home. So this is becoming a very big option for physicians as well as patients. If they can provide the pre- and post-operative care and just do the procedures in a hospital, lets say in India or in Singapore -- which is a very safe place to be -- it’s great for them. They get a vacation out of it. When I was in Monterrey, I interviewed a number of doctors who said ‘Hey listen -- I can make $350,000 down here and live like an absolute king. I don’t have to worry about managed care, I don’t have to worry about malpractice.” One orthopedist told me it was a no-brainer to relocate to Mexico. Audience Participant: Can you talk a little more about the liability issues related to offering incentives to employees -- the extent to which there is case law in place or is this more of an unrealized concern? LC: I think the employers have been very slow to get into this and with all the talk on how the industry is growing, the fact of the matter is that you have a handful if that, currently offering the benefit it. It’s not thousands of people traveling as a result of their employers sending them. What I have been seeing is that employers are weighing their fiduciary responsibilities. There are some legal scholars, for example, that say if an employer sponsors a health plan offering workers a financial incentive to travel abroad, they could have greater liability risks. The concern is that the financial incentive might induce the employees to accept sub-standard care when they might have otherwise selected a local hospital. I think a lot of this is still to be determined, still under exploration. I notice that the major law firms in America are just grabbing on to this, as not only an opportunity for them, but frankly for their customers. You have Epstein Becker really taking front and center in this whole medical tourism industry. McGuireWoods LLP, too. You have numerous law firms looking at this, so I think you have the best legal minds in the country now examining this and advising employers. It’s not holding employers back from getting started but I think we are going to wait to see what the legal community advises. Hannaford said if they send two people this year they would be thrilled because those two surgeries alone would save them a ton of money. MM: You mentioned that Blue Cross [Blue Shield] of South Carolina has gotten involved in this. Are there any other insurers involved? LC: Well Blue Cross is the most prominent one, and David Boucher has been very vocal in expressing himself to the media. I have been interviewing numerous health plans and I can tell you that it’s a likely roll out with a number of them. Aetna is Hannaford’s carrier, so they are already involved in it. Cigna is obvious and I understand United has a big initiative underway, so I think you are going to see in 2009 a tremendous uptake in plans offering a medical travel benefit. Now that doesn’t mean that it is going to generate thousands of patients right off the bat from the employers. But I think you are going to start to see it taking hold as a benefit option in the next six months or so. Americans will be incentivized financially by lower out-of-pocket costs or no out-of-pocket costs. That’s what Hannaford is doing—eliminating out-of-pocket costs. If you take somebody who has never left the state of Vermont – someone who has been a worker all of his or her life at a grocery store -- the idea of having a full paid trip to a foreign country is very intoxicating. WHAT YOU’RE READING Healthy Travel Media Announces Second Edition of Patients Beyond Borders
According to the book's author, Josef Woodman, “We’re particularly excited about the addition of several new destinations and the inclusion of what we feel is the most comprehensive cost-comparison data available to date.” The Patients Beyond Borders cost comparison data will debut in the May 6, 2008 issue of U.S. News and World Report. The chart below offers readers an at-a-glance view of how various destinations compare on straight costs for specific procedures. "In our research for the second edition, we sent surveys to hundred of hospitals all over the world," says Faith Brynie, editorial director of the Patients Beyond Borders series. "We compiled the information they returned with data sources published on Web sites, in technical and trade journals, and in consumer periodicals, to arrive at the best possible estimates of comparative costs."
The new edition includes information on emerging destinations such as Jordan, Korea, Panama, the Philippines, Taiwan, and Turkey. “Our goal is to provide consumers with an objective and complete look at their options for medical travel. Inclusion of these destinations was essential to that goal,” adds Woodman. In addition, patients looking to travel to specific destinations will soon have five country-specific editions to choose from. With the upcoming releases of Patients Beyond Borders India (August 2008), Patients Beyond Borders Taiwan (August 2008), Patients Beyond Borders Singapore Second Edition (August 2008), Patients Beyond Borders Malaysia (September 2008), and Patients Beyond Borders Korea (November 2008), patients will have access to in-depth information on accredited hospitals, clinics, and specialty centers in a preferred destination. Thel Patients Beyond Borders Orthopedic Edition is slated for release in 2009 and will feature 20 leading orthopedic “Centers of Excellence,” including eight spinal and neurosurgery centers and four sports medicine clinics. About Healthy Travel Media Healthy Travel Media, an independent imprint based in Chapel Hill, NC, publishes books on medical travel, treatment and wellness. Patients Beyond Borders is available at Amazon and bookstores everywhere, and is distributed to the retail trade by Publishers Group West. For more information, please visit: http://www.patientsbeyondborders.com. DESTINATION Costa Rica Costa Rica so far has nothing like the government/industry consortiums that exist in Singapore and India to mount high-powered, well-coordinated marketing campaigns to promote those countries as healthcare destinations. And closer to home, its geographic appeal to North American medical tourists is under threat from bigger, even more conveniently located service providers in northern Mexico, and better-financed rivals in Panama. Facilities like La Catolica would benefit from tutoring by Hospital Clinica Biblica, which does have one of the best international patient departments in the global medical travel industry. HCB's process for caring for foreign patients is truly seamless: from first contact to final discharge, Clinica Biblica is methodical in its approach to caring for foreign patients. But that recognition of what's needed hasn't filtered through to La Catolica, or other healthcare providers in Costa Rica.
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Editor's Note: This newsletter is for informational purposes only and should not be construed as medical advice.