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Medical care aboard ship

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Does anyone know if they charge to see the doctor aboard ship and how much? Did a cruise awhile back on the Oasis of the Sea, my left leg was swelling and I felt bad but blamed it on the heat. I didn't seek medical attention, blew off my symptoms thinking seeing the doctor would be very expensive. Lucky made it home and was hospitalized with four DVTs and a pulmonary embolism

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Yes, there is a doctor on board and yes it is expensive. You must pay all charges up front and if your insurance covers the expense (many do not) then you must file with insurance to get reimbursed. This is a major advantage to getting travel/cruise insurance to cover the cost of unexpected medical expenses.

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Yes, I've been to the doctor onboard before with family members. They can treat, diagnose and prescribe certain medications. 

They don't take any insurance, so you will just be billed to your SeaPass account directly. You could then later take the bill to your travel/medical insurance for a claim. It's almost certainly an out of network claim so unless you have travel insurance or some amazing medical insurance, do not expect to be reimbursed.

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On 5/3/2019 at 11:39 AM, Matt said:

Yes, I've been to the doctor onboard before with family members. They can treat, diagnose and prescribe certain medications. 

They don't take any insurance, so you will just be billed to your SeaPass account directly. You could then later take the bill to your travel/medical insurance for a claim. It's almost certainly an out of network claim so unless you have travel insurance or some amazing medical insurance, do not expect to be reimbursed.

What’s the ballpark figure for just seeing the doctor? Thought travel insurance would be billed. Guess I’ll need a higher limit on my cc.

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6 minutes ago, 12thman said:

What’s the ballpark figure for just seeing the doctor? Thought travel insurance would be billed. Guess I’ll need a higher limit on my cc.

I was listening to a podcast recently where they said the cost to walk in the door for an evaluation was around $160 (don't quote me - it was between $150 and $200 though). I'm not sure if this was one circumstance, has changed in price, varies from ship to ship - just not sure.

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Just now, SpeedNoodles said:

I was listening to a podcast recently where they said the cost to walk in the door for an evaluation was around $160 (don't quote me - it was between $150 and $200 though). I'm not sure if this was one circumstance, has changed in price, varies from ship to ship - just not sure.

Not much different than here if you pay cash. Do you have a link to the podcast?

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Just now, CGTLH said:

Know when my father came down with pneumonia on Symphony the medical bill wound up around $1700 for diagnosis and treatment.

What!? Did the medical department look like the mafia? Definitely need to bring my larger cc. What happens if you cannot pay for the service upfront? 

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39 minutes ago, 12thman said:

What’s the ballpark figure for just seeing the doctor? Thought travel insurance would be billed. Guess I’ll need a higher limit on my cc.

My dad had an episode on our last family cruise where he required medical attention on board. He was brought downstairs (assisted) and a few tests were run for his heart. No medication was prescribed. The bill by the end of the night was $850.

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Just now, Lovetocruise2002 said:

My dad had an episode in our last family cruise where he required medical attention on board. He was brought downstairs (assisted) and a few tests were run for his heart. No medication was prescribed. The bill by the end of the night was $850.

Thank you for the information!

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16 minutes ago, 12thman said:

What!? Did the medical department look like the mafia? Definitely need to bring my larger cc. What happens if you cannot pay for the service upfront? 

Correction on the cost, was ~$1500

$1225 for services, $230 in meds, and $22 for supplies.

Want to say he was down there for a good 3 or 4 hours under observation and treatment. With a follow visit the next morning.

A medication he was prescribed and given was $76, quick look has it for around $37 retail pricing.

 

If you couldn't pay I'm sure they would set you up with some sort of high interest rate medical payment plan.

 

 

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Just now, CGTLH said:

Correction on the cost, was ~$1500

$1225 for services, $230 in meds, and $22 for supplies.

Want to say he was down there for a good 3 or 4 hours under observation and treatment.

A medication he was prescribed and given was $76, quick look has it for around $37 retail pricing.

 

If you couldn't pay I'm sure they would set you up with some sort of high interest rate medical payment plan.

 

 

Well, I’d hope so for those that can’t. Listening to the podcast by SpeedNoodles. Apparently you can use your FSA/HSA card. 

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Just now, 12thman said:

Well, I’d hope so for those that can’t. Listening to the podcast by SpeedNoodles. Apparently you can use your FSA/HSA card. 

Good to hear about using a FSA/HSA card.

Luckily my dad had insurance on two fronts travel policy and a Medicare Advantage plan. One fun thing about the travel policy he had was secondary coverage. So in order to file a claim he had to submit the the Advantage plan provider. Well to his suprise it covered all but his deductible and something else, think he was reimbursed around $1300 or a little bit more. I'm sure if he submitted to travel insurance he could get the remainder back.

Still the sting can be bad if you don't have flexibility of available funds.

One suggestion is some travel policies offer primary coverage with direct medical provider payment.

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1 minute ago, CGTLH said:

Good to hear about using a FSA/HSA card.

Luckily my dad had insurance on two fronts travel policy and a Medicare Advantage plan. One fun thing about the travel policy he had was secondary coverage. So in order to file a claim he had to submit the the Advantage plan provider. Well to his suprise it covered all but his deductible and something else, think he was reimbursed around $1300 or a little bit more. I'm sure if he submitted to travel insurance he could get the remainder back.

Still the sting can be bad if you don't have flexibility of available funds.

One suggestion is some travel policies offer primary coverage with direct medical provider payment.

Yes, when researching travel insurance came across that. Seems the more expensive travel insurance cover everything under the sun. Came across one that said if you can’t go because of work it’s covered. 

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18 minutes ago, Matt said:

My daughter and wife have been to the onboard doctor, and for a quick visit (less than 1 hour), it was about $160-200 for the visit.

Did you pay before or afterwards? Someone said before which didn't make sense.

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On 5/6/2019 at 9:45 AM, 12thman said:

Did you pay before or afterwards? Someone said before which didn't make sense.

It is charged to your SeaPass account, so you will pay for it at the end of the cruise when RC charges your credit card.

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3 hours ago, Matt said:

It is charged to your SeaPass account, so you will pay for it at the end of the cruise when RC charges your credit card.

That makes sense. Thank you!

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I was treated while on a cruise a couple of years ago. I saw a physician at Cocoa Cay. EKG on the island. Transported with a nurse immediately back to the ship via tender (the tender left immediately with only the nurse and myself aboard). Dr aboard examined me ran more tests. It was like seeing a Dr years ago before assembly line medicine when a Dr took their time with a patient. All total it was a little under $350. The Dr’s and nurse’s were fantastic. The Dr’s & nurses on the island are from the ship. Can’t say enough good about them and for what they did I though it was very inexpensive. Initially I was concerned about the cost since they don’t take insurance. I asked the nurse in the office while I was getting checked in onboard how much this would cost. She gave me a rough idea and it turned out to be less. Best medical care for the price I’ve ever had. 

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