background image
Guardian Life pays
the benefit even if
there are wellness or
concussion baseline
study claims filed.
To learn more visit:
www.guardianlife.
com/accident-insur-
ance
4). Inquire about
safety
When booking excur-
sions or adventure
travel, it¡¯s always
important to ask
questions to ensure
you¡¯re working with
a reputable com-
pany. How long has
the company been
in business? What
safety procedures
do they follow? Is
staff certified and
trained properly for
the activities you¡¯ll
be doing? What is the
protocol if there is an
accident or injury?
A good organiza-
tion will welcome
these questions and
provide clear, honest
answers so you can
make a wise decision
about which company
to use.
As the interest in
adventure travel
continues to rise, ac-
cidents and injuries
are bound to happen,
so it¡¯s more impor-
tant than ever to
take steps to protect
yourself ahead of a
vacation.
Half Of Adventurers Had Injury
I simply drop my organized bag into an ammo can
for water protection.
Medications
Here is a comprehensive list of different medication
categories to consider: antibiotics, analgesics (pain
killers), anaphylaxis, anti-histamines, anti-pyretic
(for fever), anti-emetic (for nausea and vomiting),
anti-diarrhea, anti-fungal, anti-parasitic, anti-
tussive (for cough), cardiovascular, decongestant,
dental, dermatologic, diabetes, diuretic, hemor-
rhoidal, iv fluids, laxatives, local anesthetic, muscle
relaxant, ophthalmic, otic, rehydration, sedative,
snake bite and vaginal.
About half the medications can be found over
the counter without a prescription. I recommend
speaking with your physician about prescription
medications.
I generally meet with a patient for a short office
visit to discuss the various medications that are
indicated and simply write them a prescription.
I¡¯m careful to include ¡°first aid kit - for expedition
use only¡± on the prescription and emphasize the
medications are for the patient or family use only.
Giving the medications to other people is discour-
aged due to issues such as allergies or medication
interactions, and patients have to use their discre-
tion and accept responsibility if sharing medication
with others.
Remember the old saying, ¡°proper prior prepara-
tion prevents poor performance¡±, and once packed
and ready to go I don¡¯t give it another thought
because I¡¯m prepared.
Most wilderness medical emergencies can be han-
dled with a good adventure medical kit, a little first
aid knowledge and the determination to succeed
with grit, spit and a whole lot of duct tape!
(Scott Rollins, MD, is Board Certified with the
American Board of Family Practice and the
American Board of Anti-Aging and Regenerative
Medicine. He specializes in bioidentical hormone
replacement for men and women, thyroid and
adrenal disorders, fibromyalgia and other complex
medical conditions.
He is founder and medical director of the Integra-
tive Medicine Center of Western Colorado (www.
imcwc.com) and Bellezza Laser Aesthetics (www.
bellezzalaser.com). Call 970.245.6911 for an appt
or more information.)
Health & Nurturing 2019 December/January
Pg 7 - The Sunshine Express
write these down or add the information to
your mobile devices.
You can call your health insurance ahead of
time to see if any are in network, but it¡¯s not
uncommon for medical providers to be out of
network when traveling.
3). Get accident insurance
Just over one quarter of Americans have an
accident insurance policy but owning a policy
can make a big difference if you get injured
while traveling.
Accident insurance provides an extra layer
of protection that pays you money when you
suffer an unexpected, qualifying accident.
It¡¯s a supplemental benefit many employers
offer as part of their benefits package that
can be used to cover the costs of deduct-
ibles, copays and other out-of-pocket costs
that primary health insurance may not cover.
Plus, if you don¡¯t end up using your year-
round policy, you can take advantage of the
injury-free benefit that pays you cash if your
family is claim-free for five years.
Prepare for the unexpected:
Travel tips for peace of mind
(BPT) Do you have a case of wanderlust? Travel-
ing is a great way to explore new places and try
new activities, going beyond the ordinary to create
lifelong memories with family and friends.
But travel does come with risks. This is particularly
important with the rise in adventure travel, where
Americans are incorporating exciting experiences,
like cycling and ATV tours, to their itineraries. More
risks tend to be associated with these types of
activities on trips, including unexpected accidents
or injuries.
¡°While the goal is to create happy and memo-
rable experiences on vacation, accidents are likely
to happen, so Americans should be prepared for
unplanned expenses that may occur from injuries
requiring medical attention,¡± says Michael Estep,
vice president, group products and worksite leader,
The Guardian Life Insurance Company of America.
Estep points to a recent Guardian Life survey that
found injuries are a reality of vacationing, with
34% of Americans saying they know someone or
have themselves been injured on vacation; this
rises to nearly half for strictly adventure-focused
travelers.
For those who were injured, 75% of those injuries
resulted in the need for medical attention, yet only
two in 10 Americans are completely confident they
could handle the medical costs associated with an
injury on vacation.
Whether it¡¯s hiking in the mountains, boating,
or ziplining, no one wants to think of a vacation
dream turning into a vacation nightmare. However,
by planning ahead and being financially prepared,
you can help reduce the stress associated with an
unexpected injury and the potential out-of-pocket
medical costs you may incur to get treated.
Consider these smart steps before you leave for
your next trip:
1). Prepare health information
When you¡¯re packing your clothes and personal
items, make sure you have current health insur-
ance cards and prescription information with you.
If you¡¯re traveling on a plane, it¡¯s wise to keep this
in your personal bag so you don¡¯t risk it getting
lost or delayed
with checked
baggage. Keep a
list of your health
care contacts
should you need
them, such as the
clinics and doc-
tors¡¯ names who
you see regularly.
2). Make a plan
If you¡¯re injured
or need medical
care when travel-
ing, not know-
ing where clinics
and hospitals are
can be stressful.
Before you leave,
look up locations
of local health
care facilities so
you are better
prepared.
You may even