The number of Americans who are medical tourists is rising 20 percent per year, according to a recent report in England's Financial Times. The savings can be extraordinary -- up to 75 percent. The big question is, "What kind of care will you get overseas?" While the quality does vary, many third-world countries have first-rate hospitals that cater to foreigners. 

The Financial Times reports that Singapore is the best place to go for overseas for Western-quality medical care. You'll save substantial amounts there -- up to 50 percent off -- and have a private nurse for 24 hours a day. According to a September 2007 article in Kiplinger's, several insurance providers allow their members to go abroad for healthcare. Aetna-sponsored plans that feature out-of-network benefits usually cover elective surgery performed overseas, with some exclusions. 

Two providers in Southern California -- Health Net and Blue Shield -- have provisions for treatment in Mexico that can save 40 percent on insurance premiums. Meanwhile, OptiMed Health/United Group Programs and Blue Cross Blue Shield of South Carolina offer care at Bumrungrad International Hospital in Bangkok, Thailand. If you're a member of any of these plans, check with your healthcare provider for additional details. 

Just beware that if you go overseas for medical treatment, you'll typically have no liability protection or recourse in the event of malpractice, plus there's limited availability to after-care. Here are some things to consider if you're thinking about medical tourism: 

.  Check the credentials of the doctors and surgeons who will treat you. Are they trained or board certified in the United States or another Western country? 

.  Is the hospital certified by the Joint Commission International, a division of the major U.S. accreditation organization?