Health insurance for those covered by private health insurance
The “Baltic-American Therapy and Surgery Clinic” (hereinafter referred to as the Clinic) has entered into direct payment/reimbursement agreements with the largest private health insurance companies in Lithuania and abroad. These companies cover and/or reimburse their clients’ diagnostic and treatment costs.
For persons covered by private health insurance, the payment terms and individual price list set out in the agreement between the Clinic and the respective insurance company shall apply.
Please note that not all medical services may be covered by insurance. For this reason, we recommend that you review the terms and conditions of your insurance policy prior to visiting the Clinic.
The list of services covered by your insurance company can be found in your insurance policy. If your insurance company does not cover all or part of your treatment costs, you will be required to settle these expenses yourself. The Clinic also accepts no liability for decisions made by insurance companies to withhold full or partial payment for services rendered.
In cases of hospitalisation and surgical treatment, payment terms must be agreed in advance with the insurance company. Please contact the Clinic’s medical insurance managers and notify them of any planned hospitalisation or surgical procedure.
When visiting the Clinic, you must bring:
- Your health insurance card;
- A valid passport or national identity card;
- An insurance authorisation form or guarantee letter, if required by your insurance company.
PRINCIPAL PRIVATE (VOLUNTARY) MEDICAL EXPENSES INSURANCE COMPANIES WITH WHOM WE COLLABORATE
Lithuanian insurance companies:
AAS “BTA Baltic Insurance Company” branch in Lithuania
“Compensa Life Vienna Insurance Group” SE branch in Lithuania
“ERGO Life Insurance” SE
ADB “Gjensidige”
“If P&C Insurance” AS branch
AB “Lietuvos draudimas”
“Seesam Insurance” AS branch in Lithuania (from 1 July 2020 – “ADB Compensa Vienna Insurance Group”)
Foreign insurance companies:
“Allianz Worldwide International Ltd.“
“Aidicall”
“ALC Global Health Insurance”
“AXA-PPP International”
“AP-COMPANIES Global Solutions LTD”
“BlueCross/BlueShield (Federal Employee Program)“
“CARPS”
“Class Assistance Ltd.”
“Europeiska Insurance Co.”
“Eurooppalainen”
“Europe Assistance – GLOBAL PPO”
“Euro-Center Czech Republic”
“MSH INTERNATIONAL (Worldwide)”
“Geoblue”
“Global Network Assistance (Falck)”
“GoudaTravel Insurance and Assistance”
“Global Benefits Group (GBG)”
“Healix International”
“HTH (Worldwide)”
IMG (International Medical Group)”
“Inter Mutuelles Assistance”
MetLife Inc. (“Metropolitan Life Insurance Company”)
“Savitar Group Ltd.”
“SOS International”
“TRICARE”
As we continually strive to improve, we would also be pleased to consider working with insurance companies not listed here.
If you have any questions regarding whether your insurance company will cover the cost of care at the Clinic, or if you wish to discuss your invoices in greater detail, please contact our medical insurance managers by e-mail: billing@bak.lt (for foreign insurance companies) and atsiskaitymai@bak.lt (for Lithuanian insurance companies). You may also telephone the Clinic’s main number: +370 5 234 2020.
INFORMATION FOR UNINSURED PATIENTS (SELF-FUNDING)
The Clinic provides high-quality medical services accessible to all. In accordance with the Clinic’s base pricing exceptions/discounts policy, details of which are available upon arrival at the Clinic, discounts are applied to uninsured patients and those paying out of pocket.
INFORMATION FOR PATIENTS COVERED BY COMPULSORY HEALTH INSURANCE
On the day that medical services (including those forming part of the standard care package) are provided at the Clinic, patients must hold valid compulsory health insurance (hereinafter referred to as CHI). When registering at the Clinic, patients must also present a valid identity document and a valid referral from a physician at an institution that has entered into a contract with the Territorial Health Insurance Fund (hereinafter referred to as THIF).
Patients who do not hold CHI will be charged for services provided at the Clinic, with the exception of emergency medical care. The same applies to patients who, prior to the provision of services, fail to present the Clinic’s administration with a valid physician’s referral, or who present a referral from an institution that has not entered into a contract with the THIF.
For patients covered by CHI, standard care package services (specialist consultations, day surgery services) are funded from the Compulsory Health Insurance Fund (hereinafter referred to as CHIF) budget in accordance with the service nomenclature and base prices specified in the relevant contract with the THIF.
A patient may be registered for a standard or day surgery service, or an outpatient specialist consultation, subject to available quota under the contract with the THIF, provided that the patient is able to attend on a date that falls within the specialists’ availability schedule.
Patients who opt for enhanced care package services at the Clinic will be required to pay for these from their own funds or through private insurance.
Enhanced care package services are defined by Article 49, Paragraph 5 of the Law on the Health System: “If patients entitled to free personal healthcare services, at their own initiative, choose more expensive services, materials, or procedures, they shall pay the difference between the actual cost of such services, materials, or procedures and the base price of the free services, materials, or procedures in the manner established by the Ministry of Health. If patients entitled to free personal healthcare services, at their own initiative, choose additional services or procedures, they shall pay the full cost of such services or procedures themselves.”
The price of enhanced care package services at the Clinic is determined by the qualitative and/or quantitative superiority of those services. Their provision requires highly qualified specialist teams with additional resource requirements, medical equipment ensuring superior quality, and a high level of patient comfort.
The cost of enhanced care package services at the Baltic-American Therapy and Surgery Clinic may be influenced by higher qualification requirements placed on the Clinic’s medical specialists (Dr., Assoc. Prof., Prof.), the number of specialists involved (an additional nurse, where not otherwise stipulated for outpatient or inpatient services), team composition, the medical equipment or devices used and their quantity, the type of ward (single-occupancy, double-occupancy, VIP), the comfort facilities available therein (en-suite toilet, shower), additionally provided items (disposable bed linen; television, telephone, and internet services; dressing gown, slippers, towels; toiletries — disposable undergarments, hygiene kits, soap, shampoo, etc.) and ancillary services (taxi booking, etc.).
The terms and conditions for patient registration, service provision and nomenclature, choice of payment/reimbursement option (Standard or Enhanced care package), and payment arrangements are set out in full in the Clinic’s Internal Regulations. Further information may also be obtained from the Clinic’s administrative staff and other specialists.
