Natural disasters can strike quickly and without warning. Advance preparation is important, and it is critical to consider health information when planning ahead or dealing with the aftermath of a natural failure. More than likely, health benefits are not top of mind - if you are even taking time to plan at all.
Take a few minutes now to gather your health history and coverage information in one place and think about how to take advantage of your health benefits. These simple steps can protect your family's well-being and finances in case of a natural failure.
We've provided you with a Personal Health Information Record (DOC) you can download in advance and tips on dealing with your health information and health benefits if you are displaced or affected by a natural disaster.
Think about steps you can take now to plan for the possibility of displacement, an injury or a life-threatening emergency as
If you or your family members do not have health insurance, select and purchase a benefits plan immediately. You can go to get a quote for an individual or family insurance plan.
Even if you can't afford a comprehensive plan, buy insurance that will cover a catastrophic injury or illness.
There are resources like to help you choose a plan. If you have a medical condition that makes you ineligible for an individual plan, check into your state's plan for uninsurable individuals.
The cost can be high and the coverage limited, but paying for a serious injury without a health care plan will cost even more. Call your state's insurance commission or check online to learn more.
If you or a family member becomes sick or injured during a disaster, health insurance can quickly become your most important asset when the bills add up. Learn about your plan's coverage for catastrophic or long-term injuries, including coverage for rehabilitation and the lifetime maximum the policy will pay.
If the lifetime maximum may not meet your needs, find out if you can switch to another plan that has better coverage or make a change during the next Open Enrollment season. According to a study by America's Health Insurance Plans (AHIP) of consumers looking for individual major medical insurance, most picked plans with an average lifetime maximum of nearly $4 million. If you have individual health insurance, check with your provider to review your policy and better understand your potential needs
Find out from your health insurance provider about the options you'll have if you are displaced and need medical care outside of your area. Call your plan's customer service department to find out what to expect.
Create a record of your family's health information by filling out an easy-to-use Personal Health Information Record (DOC). List medical providers, medications you use regularly (with dosage information) and any allergies. Update this worksheet at least once a year. Include copies of health insurance cards, health insurance policies and immunization records (include your children's records as well - you will need these if you need to place your children in a new school or day care, even temporarily).
If possible, keep a 14-day supply of necessary medications on hand and extra copies of prescriptions for medicines and glasses from your doctor. It is important to have easy access to these items in case you are forced to leave your home.
Prepare an evacuation box that is fireproof and lockable. You can purchase fireproof boxes at many retail locations that are briefcase-sized and can be quickly grabbed in an emergency. Keep all your important financial documents in this box, including legal documents, information on bank accounts and insurance policies.
Get vaccinated now. Talk to your doctor at your next appointment about updating your vaccinations as a safeguard. According to The Centers for Disease Control and Prevention (CDC), many adults incorrectly assume that vaccines you received as a child will protect you for the rest of your life.
However, newer vaccines may now be available, immunity can begin to fade over time and as you age, you become more susceptible to serious disease caused by common infections. The CDC lists an Adult Immunization Schedule on their website.
If you have to evacuate, the most significant thing you can do to protect your pets is to take them with you. Here's how you can be prepared for the day when you and your pets may have to leave your home.
Create a portable pet failure supply kit. Keep items in an accessible place and store them in sturdy containers that can be carried easily. Your pet disaster supply kit should include:
Medications and medical records (stored in a waterproof container) and a first aid kit
Leashes, harnesses and carriers to transport pets safely and ensure that your animals can't escape
Current photos of your pet in case they get lost (it's a good idea to set aside photos of the rest of your family members as well)
Information on feeding schedules, medical conditions, behavior problems and the name and number of your veterinarian in case you have to foster or board your pet
Author Resource:
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