Like most of you, I'm not an insurance expert. As the marketing gal for Insurance Services of America I communicate who we are and what we have to offer, but I'm not an insurance agent.
Unlike most of you, I sit amongst very smart insurance experts who explain how insurance works every day. They've taught me--and I've overheard--some interesting and helpful things you might like to know too. So what are these nuggets of wisdom? Here are three:
1) There are only four CT scanners in Haiti.
Many of our clients travel to help impoverished people around the world, Haiti being one of the most popular destinations. The work being done in this country is priceless: building homes, administering medicine, feeding the hungry, and more. It is amazing to learn about the generosity of our clients.
A few months ago, one such client shared a story about his air evacuation from Haiti to Florida. He was experiencing intense stomach pains and sought help from the local doctors. His symptoms indicated appendicitis, but a CT scanner was not available to confirm the diagnosis.
So while the doctors in Haiti were recommending removal of the appendix and were preparing to operate, our client opted to use his emergency medical evacuation coverage and was flown to Miami. There, a CT scan showed that the problem was not his appendix after all, but something with the same symptoms as appendicitis. It was a rare condition that could only be confirmed with a CT scan, and treating it did not require surgery. Our client was thankful he didn't have to part ways with his appendix for no good reason.
"But wait. No CT scanner?" you ask. It's true. In all of Haiti, there are only four CT scanners; three are privately owned and a fourth is yet to be installed in a forthcoming teaching hospital (source: NPR). Without his evacuation benefit, our client just wouldn't have had the option for a proper diagnosis.
2) Don't get diabetes.
I realize some of you may already have this condition, but for those of us without it, try your best to prevent it by altering what you eat and how often you exercise. Why? Because I've learned that for those with the illness, finding an insurance plan to cover them can be hard. But it's not impossible.