Benefits of International Health Insurance

International health plan is widely chosen cover that almost all the travelers pick up before planning their trip any further. There are many benefits of having an international health insurance cover. The first being that you are not in your native land, thus the hospital policies, seeking medical attention and the problem of foreign language may render you incapable to get an effective medical treatment abroad. Secondly, we are all insured in our native lands, so medical expenses are well taken care of. It is common knowledge that outside of India, the medical expenses are extremely high. A visit to the doctor, conducting medical tests and the medications alone can be almost the same as your travel budget. Such expenditures are unaffordable and ruin the trip down to the last detail. Under a health cover in overseas travel insurance, all this is taken care of. Quality health insurance while travelling outside is of extreme importance. You can either go for an individual insurance, or take a complete family cover. May it be an abroad visit for business, or a vacation, health insurance companies are well connected with hospitals around the world and will provide to you immediate medical attention.

Health insurance can start with a fixed tenure, however is renewable for life. International health plan’s cover also includes insurance of the students who go out of the country for higher studies. The level of covers usually begins from 1lac US dollars and goes up to 5lac dollars. Global international covers can be purchased too. However, they exclude USA, Europe and Canada, for which separate covers need to be taken. This health insurance cover is a complete cover that offers free coverage throughout the world and is deductible. Deductible is the premium that is paid before the coverage policy begins. In case you are outside your home country and the health treatment that is required is not available at that certain location, then a medical evacuation clause is offered as well.

Under this, all medical expenses that will be needed to transport the patient from one location to the other, where the treatment is available is covered under the international health plan’s cover. To make the execution of all these clauses easier and without trouble, a 24line helpline is offered to those who are covered under this policy. They can directly contact this helpline, which is in operation all 365 days of the year to seek advice and help in medical evacuation. This is also necessary as being international may mean that foreign language is a problem. All you need to do is quote your policy number and identity, along with the problem, and immediate help will be provided for the same.

The Value of Accurate Documentation in Medical Bill Reimbursement

Medical documentation has myriad applications in today’s health care administration – being reference-source for future encounters; enabling coordinated care, both within and across the clinical network; contributing to macro health care planning and reforms; ensuring clinical data privacy and security as per HIPAA norms; and ensuring flawless medical billing. Notwithstanding providers’ effort to document as best as they can, “accuracy” continues to be a matter of great concern. While inaccuracies in medical documentation can lead to lapse in medical care quality and breach of trust, it is the reimbursement that will be most affected. Every reimbursement starts with medical billing, which is calculating the cost of administering medical services. Clinical documentation – which contains physicians’ narration of entire course of medical management – is the source on which billers rely upon in assigning monetary value to medical services. Because most of the physician documentation is supposed to be true, medical billing is as good as your clinical documentation.

But, physicians, with all their good intention and focus, may not always be expected to document without omission or error. And any omission or error may either correspondingly reduce reimbursement or expose your bills to chances of denial or delay. One way to do away with omission or error is to encourage doctors to check back on every chart before they move on to the next patient. But doctors are seemingly busy, and may not wish to keep the next patient waiting or compromise on clinical priorities. In such cases, internal staff may be assigned with the job of elaborating the doctor’s notes into comprehensive charge sheets or case summary. Training and orienting the so deputed staff is crucial before they take over the charge and start feeding medical billers with charge notes. Clinical documentation has undergone remarkable changes recently – paper-based charts have given way to automated documentation. Medical practitioners are lot happier with pace and ease with which modern-day systems can generate voluminous reports that can easily be exchange across the health care network system.

But, automated documentation is also inherent with investment, implementation, and training issues. Moreover, patient security and privacy may be at a higher risk from hacking concerns. All these issues may prompt the intervention of competent medical billing service providers who know how to upgrade providers’ internal clinical documentation in sync with medical billing and coding. – known for its catalytic role in clinical and operational management of a majority of medical practices across the 50 states – is prepared for the next challenge: changing face of clinical documentation in ICD-10 and HIPAA 5010. With the entire provider-fraternity transiting to a more robust, comprehensive, and technology-driven clinical documentation environment, it hopes to own up the responsibility of transformation. It is well-served by its core group, comprising clinical documentation specialist, expert medical billers and coders, and strategic partnership with best-known vendors of automated documentation systems. The fact that it has already executed documentation upgrading as part of its comprehensive RCM services is a testimony to its credential and competence.