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When you are injured in a car accident in Minnesota, the No Fault Provision of your car insurance typically covers your medical bills.  But what happens when the insurance company decides to stop paying, and schedules a medical examination?  In Minnesota, the provisions of your No Fault insurance require that you be examined by a doctor hired by them.  The cost of this examination is paid by your No Fault insurance provider.  You must keep the appointment, and if you are unable to keep it, it is important to reschedule as soon as possible otherwise you will be charged with a cancellation fee.   Be as cooperative as you can, but remember that the doctor is not examining you so that he can treat your injuries.  He is examining you so that he may determine if your No Fault provider will continue to pay for your medical treatment.

Be sure to tell the truth.  This is the best thing for your case.  Tell the examining doctor all about the pain, discomfort and suffering that you have experienced as a result of the accident and your injuries.  If you do not tell the doctor about any of your injuries and restrictions, he will not include them in his report.  Do not sign any papers or documents.  Do not give the examining doctor any information about the accident itself, except that it occurred.  Advise the doctor to call your lawyer if he or she requires more information regarding the accident.  If the examining doctor asks you what other doctors have said about your condition, answer in a very general way.  Be very careful about repeating what other doctors have told you.  Do not allow any laboratory tests, puncturing of the skin or taking of blood or urine.  You may submit to x-rays, if you wish.  If you do not wish to submit to the x-rays, contact your attorney

Do not volunteer information about past accidents, medical history or previous claims.  If they ask, answer in a concise manner.  Do not permit more than one doctor to examine you.  Be observant regarding the doctor’s examination of you.  Take note of everything the doctor says from the time you arrive at the doctor’s office, including the time spent in the waiting room, the time spent on the history of your case and the exact time spent by the doctor examining you.  Remember that the doctor’s examination begins as soon as you enter his office.  The doctor will be watching you from the time you come into the office.  He will watch you take off your coat, watch how you walk around the room and watch how you get on and off the examining table.  He may try to distract you.  He may, for example, point to something on your arm to see how you react and to check your range of motion.  It is impossible to fool the doctor.  You should be honest about your injuries and problems.

Wear a watch to your examination.  The doctor will probably spend part of the time reviewing your medical records and questioning you.  It is important to remember what the time was when you first saw the doctor, when the doctor began asking you questions, the time the doctor began your physical examination and the time the examination concluded.  If the doctor takes part of your examination time recording your history and his findings, remember the time that this took.  After the examination is over, write down those exact times and the amount of time the doctor spent on doing these things, which may turn out to be important in your case.  Although, the doctor may later testify as to his opinions, it may be that his opinions will be based upon only a few minutes of actual physical examination.

Some doctors frequently request psychological tests to be completed during adverse examinations.  A test like this may not be fair or relevant to your case, or even valid.  Do not submit any answer on this psychological testing at the time of the examination.  You should contact your lawyer if the doctor makes a request to you about this.

In sum, try to be as explicit and concise about your injuries as possible.  Remember, this doctor is paid by the insurance company with the purpose of determining whether the insurance company should continue to pay your medical bills.  Be honest and try to keep a mental note of exactly what happened.  Only take notes after the examination.  Do not work on the report at the doctor’s office or even let the doctor know that you are completing such a report.  This may cause the doctor to spend an excessive amount of time performing his/her duties and would not be what he/she would normally do.

This article should not be considered legal advice.  It is provided as a public service.

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Like some 47 million other Americans, Nancy Sowa doesn’t have health insurance. So when her doctors last year told her she needed a total hip replacement, the office manager for a non-profit did what a growing number of U.S. citizens are doing: She headed abroad. At Wockhardt Hospital in Bangalore, India, the 56-year-old was put up in a hospital “suite” far swankier than what she would typically find in the U.S., with a computer, fridge, cable TV, sitting area and an extra bed for her travel companion.

More to the point, the two-hour surgery in July, performed by an orthopedic surgeon trained in the U.S. and Australia, was a success. Four months later, the Durham, N.C. resident is feeling like her old self again, going for long hikes and planning her next vacation. The final tab for the procedure, including rehabilitative therapy and round-trip airfare for two? $12,000. That’s a fraction of the $45,000 to $90,000 she had been told the surgery would cost at home.

“I wouldn’t have been able to do the surgery in the United States,” says Sowa. “I didn’t have to explore taking out a second mortgage or tapping family members because I had this other option.”

With Americans able to save 50% to 90% by going to places like India, Thailand and Costa Rica, the uninsured aren’t the only ones considering the medical tourism option. Increasingly, U.S. employers, faced with soaring health care costs that are expected to rise another 9% in 2010, are sending their workers overseas for care. Many of the companies exploring the option are small- to medium-sized firms that are self funded — meaning they’re responsible for paying out their own health care claims.

Insurers like Blue Cross Blue Shield are getting into the act, too. For good reason: Even when employers or insurers waive co-pays and deductibles and throw in airfare and spending money for the patient and a companion — some of the typical incentives offered to employees who have medical procedures done abroad — they can still save $40,000, $50,000 or $60,000 per surgery, depending on the procedure.

No Longer Just for Face Lifts and Tummy Tucks

“The biggest driver is cost savings,” says David Boucher, who leads Companion Global Healthcare, the company launched by Blue Cross Blue Shield of South Carolina in 2007 to provide health tourism plans to employers. “But when members come back, they also tend to say really good things about their experience.” In the past, medical tourism was primarily for the wealthy who jetted off to Brazil and South Africa for face lifts and tummy tucks. More recently, however, the middle class and uninsured have also been boarding planes for elective surgeries they couldn’t afford in the U.S.

In fact, Americans are becoming increasingly nonchalant about hopping continents to go under the knife. Some 180,000 Americans went abroad for treatment in 2007, says Josef Woodman in his book Patients Beyond Borders. As employers and insurers start offering medical travel as part of their health plans, those numbers could explode.

For now though, the number of U.S. employers that are making places like Bumrungrad International hospital in Bangkok “in network” is still small. Renée-Marie Stephano, president of the Medical Tourism Association in West Palm Beach, Fla., estimates that number of employers that are offering treatment options abroad is less than 10%. And, of the nearly 350 companies Companion Global Healthcare has signed on through its affiliates, no more than 30 employees so far have made health trips abroad, says Boucher, who is based in Columbia, S.C.

“We’re very happy with where we are,” Boucher says. “It’s very clear from the numbers that employers are not just jumping into the deep end of the pool. They are taking an appropriate, measured approach to it.”

Sending Patients Abroad Spurs Backlash

They have reason to be cautious. In 2006, Blue Ridge Paper Products in Canton, N.C. abandoned plans to pay for an employee to have shoulder and gall bladder surgery in India after his union raised questions about the quality of care and medical liability overseas, The New York Times reported. The employee had volunteered to go in exchange for a share in the savings that would have come from doing the work in India, the paper said. But the United Steelworkers union sent a letter to the U.S. Senate and House committees overseeing health care saying it opposed what it called a “shocking new approach” of sending workers to low-cost counties for health care — and it demanded the worker get a health care option within the United States, The Times reported.

Besides questions regarding quality of care and legal recourse, other concerns have come up. Among them, with cheap care overseas beckoning, will employers discourage their employees from seeking treatment in the U.S. by raising deductibles or other methods? And what will follow-up care be like back at home, especially if there are complications after surgery abroad?

“If you look at the American College of Surgeons, they are reluctant about having to pick up after another doctor’s mistakes, especially by one not in this country,” says Judy Dugan, research director with the Santa Monica, Calif.-based consumer advocacy group Consumer Watchdog.

Dugan agrees the cost of medical care is out-of-hand in the U.S., but she says industry and policy makers should look for ways other than medical tourism to bring it down. “If medical globalization were to become sizable in the U.S., it would no doubt cost good jobs in the country, from the top surgeon on down to the person who makes your bed,” she says. “Do we really want to go with the salary bottom overseas, rather than look for cost containment in the United States?”

Not Everyone Boards a Plane

Most employers use medical tourism facilitators, which typically handle travel and health care arrangements for their employees. Despite lingering stereotypes of hospitals in developing countries as squalid facilities overrun with the deathly ill, many say these outfits actually offer cutting-edge care equal to or superior to what many hospitals offer in the U.S. The facilitators say they work exclusively with hospitals accredited by globally-recognized accreditation agencies, such as the Oakbrook, Ill.-based Joint Commission International.

“There are top quality hospitals all round the world, not just in the U.S.,” says Tom O’Hara, president of medical tourism facilitator Surgical Trip, based in Boca Raton, Fla.

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