First Responders Prepare for Emergencies: Individuals Should Consider Following Suit
|Fri, May 10th, 2013 at 10:51 am|
EMS providers established relationships with hospitals and law enforcement, developed communication plans, and acquired knowledge of regional major incident resources to prepare for their speedy, organized response at the Boston Marathon bombings on April 15, according to the EMS World article “What’s In Your All-Hazards Plan”. As individuals, we should expect the best but be prepared for the worst during any anticipated travel excursion. Besides ensuring your flight is booked and hotel room is reserved, a thorough review of your health, credit card, and travel insurance policies’ inclusion and exclusions sections should be part of travelers’ emergency medical plan prior to departure.
Travelers unprepared for a medical emergency could end up carrying a heavy financial burden. Medical treatment expenses acquired due to an illness or injury while away from home may or may not be covered by your health insurance in totality. Most will not pay for air medical transportation to return home. In many instances, policies stipulate being transferred to the nearest appropriate medical facility or the policy holder pays the difference between the actual cost and policy coverage amount. Air medical evacuation costs range from $50,000 to $100,000 and must be paid in advance by people who do not have coverage.
These gaps in coverage can be filled by purchasing medical travel insurance and a medical evacuation plan. Medical evacuation coverage programs vary, so review plans carefully. Some plans only cover transport cost to the nearest facility where health care can be provided. Others, like Air Ambulance Card, cover the cost of bringing our members back home to the hospital of their choice. What’s in your all hazards travel plan? Do you have adequate travel insurance and an Air Ambulance Card?