调查：美国患者是去中国做短期医疗的意愿性调查

[oldestghost]

非常感谢分享，这正是我想了解的真实案例。

想请教一下：

1. 患者主要是华人还是当地人？
2. FB广告是直接投英文吗？
3. 他们是先线上咨询，再飞上海吗？
4. 一般停留多久完成治疗？
5. 除了价格之外，您觉得他们选择上海最大的原因是什么？

如果方便分享，非常感谢。

1，当地老白，华人几乎没有。
2，直接英文。
3，线上问诊，传病历历史，体检历史。
4，全口假牙一般30天内。
5，便宜，飞机直达，没了。

[Burlingame]

谢谢分享，这也是我发帖想了解的地方。

我确实不是想证明美国一定需要去中国治疗，而是想找到哪些场景美国患者真正会考虑海外医疗。

8万美元只是举例，后面可能会改成：
保险不覆盖的治疗
高Deductible患者
自费项目（例如牙科、IVF、体检、部分骨科等）

等待时间我也会重新设计，不一定写6个月，而是根据不同疾病分别讨论。

另外我也很好奇，在你看来，美国哪些类型的患者最有可能考虑去国外治疗？例如牙科、医美、IVF、第二诊疗意见等，欢迎分享。

第二诊疗有2nd.MD，有的公司福利里面会有，不过一般都是大病时才会用，针对的也是美国的专科医生推荐

[Tutu]

想做一个调查，看看美国患者是否考虑去中国做短期医疗，国内的医疗机构一般是中国三甲医院的国际医疗中心（譬如说：协和医院的国际医疗中心）

1. 假设同一项非紧急治疗在美国的自付费用为80,000美元，在中国一家大型学术医院国际医疗中心的费用为20,000美元。中国费用不包括机票和住宿。你考虑进一步了解这一选择的可能性有多大？

2. 假设医生认为等待6个月不会造成紧急生命危险，但可能延长疼痛或影响生活质量。如果美国需要等待6个月，而中国可在1至2周内安排治疗，你考虑去中国治疗的可能性有多大？

3. 你最大的顾虑是什么？
   a. 语言；b. 医疗质量；c. 政治；d. 回美复查；e. 保险；f. 签证；g. 安全; h. 医疗事故后的责任和赔偿；i. 医院感染和并发症；g. 术后出现问题时如何处理；k. 支付及退款保障；l. 数据和医疗隐私；m. 治疗效果无法保证。

4. 以下服务不包括医院医疗费、机票和酒店费：病历整理、医院及医生匹配、预约协调、医疗翻译、机场接送协调、住院陪诊以及回美后的远程随访协调。你最多愿意支付多少服务费？

5. 你更希望服务费如何收取？
   a. 固定套餐；b.按天收费；c. 按服务项目收费；d. 包含在医疗套餐总价中；e. 由医院承担

你也可以说出你的任何顾虑或者建议。谢谢！

土工缺钱啊

[Yesterday]

尼玛，哥几个先搞懂selective与elective的区别再争论好不好？连这个最基本的英语都整不明白就讨论美国医疗确实容易进误区。
看来去中国治疗的理由就是听得懂中国医生的话。

[ilovesunnybeach]

最近读了好几个帖子， 貌似都瞧不起HMO医保，说很烂。 我个人经验不是这样的。 我在州大工作， 大学有多种医保可选， 有PPO， HMO，投资型的， 等等， 各种自负保险费都一样， 一个月个人64， 全家180。 我选过PPO， 那个deductible 和20%的coinsurance 很让人肉疼， 用了一年PPO就转为HMO， 没觉得HMO不好， 医保网络覆盖全美国， 知名医院系统都在网络里。 覆盖的疾病，治疗，和限制， 跟PPO没什么不同。 做过一个大手术， 异地， 顶级的医生和医院， 预约也不费劲， 很快就约上。 没有楼上说得那么糟糕。
相反， 我今年回国， 咳嗽利害，上呼吸道感染，中国医院开的药不管用，赶紧回美国， 一路上愈发严重，一下飞机就去urgent care， 开了药， 很有效， 很快好了。

[Rather]

尼玛，哥几个先搞懂selective与elective的区别再争论好不好？连这个最基本的英语都整不明白就讨论美国医疗确实容易进误区。
看来去中国治疗的理由就是听得懂中国医生的话。

不能这样的。让医盲继续。

[赖美豪中]

自信一点是你没有搞懂啊，elective是你可以做但是他有limited coverage, selective完全是你自己的决定，你自己掏腰包，保险公司完全不会cover. 就比如说有个新药treatement,一个疗程100万，你看保险公司会cover,这就叫selective treatment, 简单说叫自找的

尼玛，哥几个先搞懂selective与elective的区别再争论好不好？连这个最基本的英语都整不明白就讨论美国医疗确实容易进误区。
看来去中国治疗的理由就是听得懂中国医生的话。

[赖美豪中]

笑尿了，对医保又一直半解了吧
If you're exploring whether your health insurance will cover a specific procedure, it helps to understand how insurers and the medical community classify treatments. The terms "selective treatment" and "elective treatment" mean very different things in a healthcare context.

Here is a breakdown of what these terms mean and how insurance typically handles them.

What is Selective Treatment?In a clinical context, Selective Treatment (often associated with Physician Orders for Life-Sustaining Treatment, or POLST forms) refers to a patient's advanced care directive. When a patient chooses "Selective Treatment," they are instructing their medical team to treat medical conditions while avoiding burdensome or invasive measures, such as intubation, mechanical ventilators, or major surgeries like open-heart surgery.

Insurance Coverage for Selective Treatment:
Because "Selective Treatment" refers to the goals of care (specifically, limiting invasive procedures) rather than a specific procedure itself, insurance coverage isn't typically the barrier. In these scenarios, a patient is opting for less aggressive care (like comfort measures or non-invasive interventions). Insurers generally cover the appropriate treatments provided under this directive, provided they meet standard medical necessity definitions for the patient's condition.What is Elective Surgery?More commonly, when people ask about insurance covering procedures, they are referring to Elective Surgeries. "Elective" does not mean "optional"; it simply means the surgery can be scheduled in advance and is not a medical emergency (like a heart attack or appendicitis).

Elective surgeries fall into two main categories when it comes to insurance:

1. Medically Necessary Elective SurgeriesThese are procedures scheduled in advance that are required to treat a diagnosed condition, relieve pain, or restore function.

Examples: Knee or hip replacements, cataract surgery, hernia repair, tonsillectomy, or mastectomy for breast cancer.

Insurance Coverage: Health insurance will usually cover these procedures. However, coverage is dependent on your specific plan's definition of "medical necessity".

1. Optional (Cosmetic) Elective SurgeriesThese are procedures chosen primarily to enhance appearance and are not treating a medical condition.

Examples: Optional facelifts, breast augmentation, liposuction, or LASIK eye surgery.

Insurance Coverage: Health insurance does not typically cover these surgeries. You will likely be responsible for the full cost out-of-pocket.

(Note: There is a gray area. Some procedures, like breast reduction or abdominoplasty, might be covered if they are deemed medically necessary to treat chronic pain or severe rashes, rather than just for cosmetic reasons)

How to Get an Elective Procedure CoveredIf you need a medically necessary elective procedure, insurers often require you to prove that need before they agree to pay.

Check Your Policy: Review your Summary of Benefits to see what your plan specifically includes and excludes.

Get Prior Authorization: Many health plans require pre-approval for scheduled procedures. Your doctor will submit a "Letter of Medical Necessity" explaining why the surgery is required for your health.

Follow Step Therapy: Sometimes, insurers require you to try less invasive or cheaper treatments (like physical therapy or medication) before they will approve a surgery.

If your insurance denies the prior authorization, you have the right to appeal the decision. Your doctor can often help by providing more medical evidence or alternative treatment options.

不能这样的。让医盲继续。

[maunakea]

在美国实现全民免费医疗保险是当务之急！

[laomei9]

川粉洪波们不答应，他们不想交钱
病死的时候往急诊室一歪

[maunakea]

今后AI医生看病，在家就能得到治疗。

[Usmlesteps]

把美国改成北美吧
加拿大倒是有这种需要，政府医疗还可以报销国外治疗的费用。

[ilovesunnybeach]

新药treatement,一个疗程100万， 在中国， 医保管？ 除非你是司局级以上干部！ 幼稚！ 中国普通百姓的医保都有封顶的，最近看到一个帖子， 提到了40万封顶， 保险最大支付额。 美国的医保正好相反， 个人支付， 有封顶， 不至于破产。 我的医保， maxium out-of-pocket $1500（个人）/$3000（家庭）。

自信一点是你没有搞懂啊，elective是你可以做但是他有limited coverage, selective完全是你自己的决定，你自己掏腰包，保险公司完全不会cover. 就比如说有个新药treatement,一个疗程100万，你看保险公司会cover,这就叫selective treatment, 简单说叫自找的

[Rather]

笑尿了，对医保又一直半解了吧
If you're exploring whether your health insurance will cover a specific procedure, it helps to understand how insurers and the medical community classify treatments. The terms "selective treatment" and "elective treatment" mean very different things in a healthcare context.

Here is a breakdown of what these terms mean and how insurance typically handles them.

What is Selective Treatment?In a clinical context, Selective Treatment (often associated with Physician Orders for Life-Sustaining Treatment, or POLST forms) refers to a patient's advanced care directive. When a patient chooses "Selective Treatment," they are instructing their medical team to treat medical conditions while avoiding burdensome or invasive measures, such as intubation, mechanical ventilators, or major surgeries like open-heart surgery.

Insurance Coverage for Selective Treatment:
Because "Selective Treatment" refers to the goals of care (specifically, limiting invasive procedures) rather than a specific procedure itself, insurance coverage isn't typically the barrier. In these scenarios, a patient is opting for less aggressive care (like comfort measures or non-invasive interventions). Insurers generally cover the appropriate treatments provided under this directive, provided they meet standard medical necessity definitions for the patient's condition.What is Elective Surgery?More commonly, when people ask about insurance covering procedures, they are referring to Elective Surgeries. "Elective" does not mean "optional"; it simply means the surgery can be scheduled in advance and is not a medical emergency (like a heart attack or appendicitis).

Elective surgeries fall into two main categories when it comes to insurance:

1. Medically Necessary Elective SurgeriesThese are procedures scheduled in advance that are required to treat a diagnosed condition, relieve pain, or restore function.

Examples: Knee or hip replacements, cataract surgery, hernia repair, tonsillectomy, or mastectomy for breast cancer.

Insurance Coverage: Health insurance will usually cover these procedures. However, coverage is dependent on your specific plan's definition of "medical necessity".

1. Optional (Cosmetic) Elective SurgeriesThese are procedures chosen primarily to enhance appearance and are not treating a medical condition.

Examples: Optional facelifts, breast augmentation, liposuction, or LASIK eye surgery.

Insurance Coverage: Health insurance does not typically cover these surgeries. You will likely be responsible for the full cost out-of-pocket.

(Note: There is a gray area. Some procedures, like breast reduction or abdominoplasty, might be covered if they are deemed medically necessary to treat chronic pain or severe rashes, rather than just for cosmetic reasons)

How to Get an Elective Procedure CoveredIf you need a medically necessary elective procedure, insurers often require you to prove that need before they agree to pay.

Check Your Policy: Review your Summary of Benefits to see what your plan specifically includes and excludes.

Get Prior Authorization: Many health plans require pre-approval for scheduled procedures. Your doctor will submit a "Letter of Medical Necessity" explaining why the surgery is required for your health.

Follow Step Therapy: Sometimes, insurers require you to try less invasive or cheaper treatments (like physical therapy or medication) before they will approve a surgery.

If your insurance denies the prior authorization, you have the right to appeal the decision. Your doctor can often help by providing more medical evidence or alternative treatment options.

不需要强调自己是赵括的亲戚。

[Tutu]

最近读了好几个帖子， 貌似都瞧不起HMO医保，说很烂。 我个人经验不是这样的。 我在州大工作， 大学有多种医保可选， 有PPO， HMO，投资型的， 等等， 各种自负保险费都一样， 一个月个人64， 全家180。 我选过PPO， 那个deductible 和20%的coinsurance 很让人肉疼， 用了一年PPO就转为HMO， 没觉得HMO不好， 医保网络覆盖全美国， 知名医院系统都在网络里。 覆盖的疾病，治疗，和限制， 跟PPO没什么不同。 做过一个大手术， 异地， 顶级的医生和医院， 预约也不费劲， 很快就约上。 没有楼上说得那么糟糕。
相反， 我今年回国， 咳嗽利害，上呼吸道感染，中国医院开的药不管用，赶紧回美国， 一路上愈发严重，一下飞机就去urgent care， 开了药， 很有效， 很快好了。

中国的药巨烂 可以回来再买药

[Yesterday]

自信一点是你没有搞懂啊，elective是你可以做但是他有limited coverage, selective完全是你自己的决定，你自己掏腰包，保险公司完全不会cover. 就比如说有个新药treatement,一个疗程100万，你看保险公司会cover,这就叫selective treatment, 简单说叫自找的

我以前看别人叫你博导还是对你挺尊重的，没想到你连基本英语都没搞懂，难道你是马克思主义哲学系的？ 我朋友对马克思主义哲学非常感兴趣，还专门在美国学习英文版的资本论呢。
Elective是你的病情需要手术，但可以选时间做，不急。中国便宜确实可以中国做。
Selective没有这个说法。你要自宫，这是你的选择，自费。但在美国不见得有人给你做，做完了你后悔了咋整？

[赖美豪中]

selective treatment是医疗保险里的基本说法啊，elective可以当成selective treatment得一部分。elective一般来说还是可以cover得，或者partially cover. selective就是完全你自己套出来。比如很多人愿意花钱搞实验性treatment.你不要以为你自己出钱就不用通知保险了。你还是要让保险知道得，因为你很有可能会因为选择selective treatment被cancel保险

我以前看别人叫你博导还是对你挺尊重的，没想到你连基本英语都没搞懂，难道你是马克思主义哲学系的？ 我朋友对马克思主义哲学非常感兴趣，还专门在美国学习英文版的资本论呢。
Elective是你的病情需要手术，但可以选时间做，不急。中国便宜确实可以中国做。
Selective没有这个说法。你要自宫，这是你的选择，自费。但在美国不见得有人给你做，做完了你后悔了咋整？

[kakeru]

我以前看别人叫你博导还是对你挺尊重的，没想到你连基本英语都没搞懂，难道你是马克思主义哲学系的？ 我朋友对马克思主义哲学非常感兴趣，还专门在美国学习英文版的资本论呢。
Elective是你的病情需要手术，但可以选时间做，不急。中国便宜确实可以中国做。
Selective没有这个说法。你要自宫，这是你的选择，自费。但在美国不见得有人给你做，做完了你后悔了咋整？

您还别说，Selective treatment可能指的就是自宫recovery?

[Yesterday]

selective treatment是医疗保险里的基本说法啊，elective可以当成selective treatment得一部分。elective一般来说还是可以cover得，或者partially cover. selective就是完全你自己套出来。比如很多人愿意花钱搞实验性treatment.你不要以为你自己出钱就不用通知保险了。你还是要让保险知道得，因为你很有可能会因为选择selective treatment被cancel保险

你这个selective就是chinglish，这个没什么可以狡辩的。美国人说Good morning， 就是不说Morning good，你拿他们咋整？

[赖美豪中]

In healthcare and insurance terminology, "selective treatment" primarily refers to a choice on a POLST (Physician Orders for Life-Sustaining Treatment) form or a surcharge fee in certain international insurance systems. It means treating a medical condition with specific interventions while avoiding overly burdensome or invasive procedures. [1, 2, 3]Medical Treatment Orders (POLST/MOLST)When used in end-of-life and serious illness care planning, selective treatment sits between full life-prolonging care and comfort-only care: [1, 2, 3]Goal of care: Treat medical conditions using selected measures to restore health while avoiding extreme interventions. [1]Included care: Medical treatment, intravenous (IV) fluids, IV medications, antibiotics, and non-invasive airway support like CPAP or BiPAP. [1]Excluded care: Often specifies "Do Not Intubate" (DNI) and avoids invasive mechanical ventilation or aggressive resuscitation that conflicts with patient goals. [1, 2]International Insurance & SurchargesIn other international healthcare frameworks (such as Japan's national health system contexts), "selective treatment fees" denote extra out-of-pocket costs billed separately from standard insurance coverage. These apply when patients: [1]Visit a major hospital or new department without a formal physician referral.Request non-urgent consultations during after-hours or specific unallocated windows. [1, 2]If you are looking at a specific document, are you trying to understand a POLST/advance directive form or looking at a billing/insurance claim charge? Let me know so I can give you exact information.

你这个selective就是chinglish，这个没什么可以狡辩的。美国人说Good morning， 就是不说Morning good，你拿他们咋整？