Warning! Make Sure You're Admitted!

This is strictly for American readers, but others will get a taste of the grotesqueries of our medical system.

Let’s say you’ve been vomiting for a few days and drag yourself to an emergency room. The doctor says you need IV fluids, so an aide wheels you to a room where you spend the night and most of the next day and then return home, feeling better.

Or you have chest pain. The ER doctor doubts that it’s a heart attack, but he wants to keep you for observation. After two days connected to a heart monitor and getting blood tests, you’re discharged, feeling better.

In both cases you’ll get a bill for at least $5,000, and YOUR HOSPITAL INSURANCE WON’T PAY!! 

Hospital insurance only pays if you’re admitted to the hospital, but remaining in a holding area for a few days or being kept “for observation” is not admission. You’re still an outpatient, so you’d better have good outpatient insurance.

If you’re over 65 and have Medicare Part A (which is free) but have decided to skip Part B (which costs $109 a month) you have no outpatient coverage. Part A only pays for the hospital. If you’re under 65 and have the usual Blue Cross or Blue Shield, you’re largely covered for hospital charges. Depending on the policy you’re willing to pay for, outpatient coverage varies. A lot. 

The solution, when the ER doctor announces that you need to stay for a while, is to ask: “am I admitted or not?”

Of course, you’re probably miserably sick or frightened (if not, maybe you shouldn’t be in an emergency room), so asking about insurance is not a priority. Woe unto you if you don’t.

Night of the Concierge Doctors

Hotel doctoring has always been a dog-eat-dog business, but after 2010 another tiresome phenomenon appeared: concierge doctors.

These provide a personal service for a large fee in cash, no insurance -- American insurance -- accepted. Google “concierge practice” for the creepy details. When asked, these doctors insist that they’re not in it for the money which means that they’re in it for the money.

Building an office concierge practice from scratch takes a long time, but hotels are low-hanging fruit. Ambitious concierge doctors visit the general manager, something I never do. Even more effective is telling the staff that every call is worth $50. It’s illegal for a doctor to pay for a referral, and all deny doing this, but bellmen and concierges have begun hinting that, maybe, I’d forgotten something when I walked by on my way out.

I charge $300 to $350 for a housecall. Concierge doctors charge between $600 and $3000…. $3000?! Who pays $3000? The answer is: foreign travel insurers. Everyone in the world knows about America’s rapacious medical system so when an insurance clerk in Spain or Japan gets a bill for $3000, he probably assumes that that’s the going rate. This is no small market; insured foreigners make up a third of a hotel doctor's business.

At the lower end, American hotel guests will usually pay $600 to $1000, although they grumble. There is no free market in hotel doctoring as in all other areas of medicine. If guests want a housecall at a hotel served by a concierge doctor, that’s what they pay.

Free Services

A few years ago, Quantas abruptly cancelled flights after an engine exploded. Other airlines followed.

Passengers were stuck in hotels. Within days calls began arriving from guests running out of heart or blood pressure or diabetes medication. They had brought only enough for their trip or the bottles were packed in luggage which the airlines refused to release.

Aware of horror stories about America’s medical system, they were counting their money, hoping to have enough for the necessary king’s ransom. The lucky ones (those in my hotels) were pleased to hear that I don’t charge for replacing legitimate prescriptions.

Most drugs are available worldwide but in different formulations and with different names. Rather than try to figure things out, I tell guests to go to a drug store where the pharmacist will research the matter and phone for my approval.

Guests regularly forget to pack medication, so I do this routinely. My record occurred after 9/11 when all flights stopped, and hotels were packed. Some travelers also fell ill, so my paying business jumped for several weeks. Then everyone returned home, and tourism plunged for a year. That was a bad time for hotel doctors, too. 

Crushing My Hopes

I didn’t recognize the number on caller ID, and when I heard “This is Adele from L’Hermitage” I nearly dropped the phone in my excitement.

L’Hermitage never calls. I serve many luxury hotels (the Langham in Pasadena is the most luxurious of all), but the celebrity Beverly-Hills-area establishments (Bel Air, Four Seasons, Beverly Hills Hotel, W, Beverly Wilshire….) as well as L’Hermitage pay me no mind. I don’t market myself, and plenty of doctors are eager to serve them.

The Beverly Hills Hotel is a borderline exception. I’ve been its doctor four times since the 1980s, making about 150 visits. Each period lasted a few years before a more entrepreneurial physician snatched it away. It’s been ten years since the last call, but I remain hopeful.

The L’Hermitage guest needed to speak a doctor, Adele informed me. Was I available? I was.

“I need help,” said the guest.

I listened, and my heart sank as I realized that L’Hermitage had not seen the light.

You can guess what had happened. His request rejected by L’Hermitage’s regular doctor, the guest was demanding that the staff find someone else. 

Recovering from my dashed hopes, I explained that I could not accommodate him. Going beyond the call of duty, I discussed his options, emphasizing that harassing the staff would not solve the problem. This was stretching a point because there are always a few doctors who would not resist.