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HOW
TO PREPARE YOUR PERSONAL MEDICAL 'PORTFOLIO':
THE ONE
THING EVERY TRAVELER MUST DO
TO PREPARE
FOR A MEDICAL EMERGENCY
By Marlene
R. Fedin, The Wellness Concierge®
Are You
Prepared for a Medical Mishap?
Contacts You Must
Include
•
Compile Your
Medical Profile
Package Your Data: "Info to Go"
Ensure That
Your Medical Wishes & Rights Are Honored
•
Become an Organ Donor
Resources:
Medical-ID Jewelry
•
Medical Power of Attorney Forms
•
Advance Directives
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Why Every Traveler Needs to Carry a Medical “Bio” and
Contact Sheet
As anyone who has ever experienced a medical emergency on
the road can tell you, your life can get out of control
very quickly—with potentially life-threatening results.
Although you can’t control the outcome of a medical event,
you can provide needed information to assist those who
come to your aid, in essence helping them to help you.
Taking
the time to ensure that detailed—and
accessible—information on your medical history and
healthcare wishes is available not only ups the odds of
getting proper care and a better outcome, it also adds to
peace of mind (yours and your family's)—something we can’t
get enough of these days. And when you know that you've
done what you can, you're less stressed about how you'll
cope should an emergency arise.
In a
few simple steps, you've freed yourself to relax and enjoy
the trip—wherever it takes you. That's a great ROI on
your "portfolio." |
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Are You Really Prepared for a
Medical "Event"?
If you pride yourself on
being a take-charge traveler, you may think that toting a credit card,
having health insurance, and knowing how to secure medical assistance on
the fly means you’re covered in the event of a medical mishap on the
road. Think again.
Even healthy folks have
accidents and previously undiagnosed health problems can emerge
unexpectedly. So whether you travel in "perfect" health or have a
pre-existing or chronic condition, you need to plan ahead to ensure
that accurate personal medical information is easily and quickly
accessible. Your life could, quite literally, depend on it.
If you've got your own professional and
personal support team (a 24/7 executive assistant or other staffer,
stay-at-home spouse, personal assistant, etc.), a lot of this may seem
like unnecessary overkill. (When you've got a lot of people watching
your back, whose lives, in fact, may revolve around taking care of you
and your needs, you may think you can "skip the details" here.
Don't—just let your team do the footwork.)
For the average traveler who encounters a
serious emergency, however, you can never have too much information. You
would be amazed at the difficulty you can experience when trying to
track down equally mobile at-home personal and medical contacts.
Please note: This
column provides information in the context of domestic travel.
Of the essential contacts
for whom you should provide detailed information, the
first, and perhaps most important, are these two:
Medical Caregivers
Provide the names, titles (cardiologist, surgeon, etc.),
medical practice and/or hospital affiliations, and phone numbers
(including cell, emergency service, and pager numbers) of those who
may need to be contacted in case of an emergency. Even if you don't
regularly see a doctor, at least provide the name of the primary
care physician who has your basic medical records.
It’s vital
that you detail your relationship and note if you are currently
receiving treatment from a particular physician. (Don't overlook
dentists, eye doctors, chiropractors, or podiatrists you visit
regularly.) If you think it’s hard to contact healthcare providers
during regular office hours when
you’re home, imagine a stranger trying to identify and locate your
healthcare team without such information!
Healthcare Insurance Provider
Be sure to include the
name of your healthcare insurance provider, relevant phone numbers for
approvals and questions (try to get direct numbers where possible rather
than a central system which wastes a lot of time while you navigate your
way to a live representative), and information on your plan, including
your ID, policy, and member numbers. (You should also carry your plan
card, but in case your card is unavailable this is your backup.)
A medical facility will often ask for this information first. And in
today's "managed care" healthcare system, you often can't gain access to
your physicians (or even leave a message with an answering service)
without first supplying this information.
If you don’t have any healthcare coverage, indicate that as well. You
can’t be denied medical care in a true emergency and this issue has to
be addressed if you are to be admitted to a hospital or receive medical
attention.
TIP:
If your company has a department or individual who handles
your insurance, make sure to include that person's name and direct
number.
They can often expedite your care and may be more accessible and
helpful than dealing directly with an insurance provider's customer
service.
In addition to your
medical contacts, you also need to provide:
Personal Contacts
List immediate family
members, friends, and/or professionals (attorney, etc.) who should
be notified. Be sure to detail their relationship (spouse, partner,
family, friend, etc.) to you and indicate the priority of notifying
them. (Hint: It's easier if you designate one person as your
personal contact. This person may or may not be the one to whom
you've delegated your medical power of attorney.)
Most important, be sure
to include “back-up” contact names on your list. Even with cell phones
and pagers, your first-choice contact may not be reachable.
Indicate who has legal
medical power of attorney for you (your spouse or someone else) and
provide as much contact information for that person as you can.
TIP:
Make sure you provide your contacts, especially the person who has
your medical power of attorney, with a copy of each trip's
itinerary, complete with land phones and cell numbers where you can
be reached (hotel, branch office, client's location, etc.).
In the event that your
illness is related to a general outbreak or shared experience (such as
eating contaminated food or exposure to some contaminant) or a local
health problem, your itinerary can be an important tool not only for
your personal medical care, but also for health authorities tracking the
problem.
When picking a
designated contact, consider their availability. My closest and
most trustworthy friends are my designated emergency contacts. However,
all of them travel extensively. Given their jet-setting ways, the
likelihood of them being around is low, so I've included the phone
number of a reliable neighbor. She's the point man—plus she has quick
access to my apartment.
TIP:
If you live alone, it’s even more critical that you provide
such information
since there’s no one at your home number—the place authorities are
most likely to call in the absence of other information.
Business Contacts:
Don't assume you'll be fortunate enough to be traveling with an
associate—or that he or she will be available to help. (They may
also be involved in the accident for which you're being treated or
otherwise unavailable.) Provide detailed information on who to
contact at your corporate or base office, including your boss,
supervisor, or manager and any support staff with whom you work.
If you’re traveling to a
branch office or a client meeting, include that information as well. (In
a life-or-death-situation, your thoughts, if any, won't be on letting
folks know you are delayed. But in the more common emergencies you're
likely to encounter, you may be very concerned that a diversion for
medical care that results in a missed meeting not lead to you being
perceived as some flaky, no-show type. With a number at hand, even if
you can't speak, someone else can relay the message.)
Trip Itinerary: You should carry a
complete and accurate trip itinerary that includes your flight
details, hotel, and appointment info.
(If your company or travel agent does not provide one, you can make
a master template in Excel or Word and print and e-mail it as
needed.)
BEFORE YOU GO:
•
Don't forget to update contact information before each trip so you
are always carrying accurate information.
•
Always leave a printout or e-mail copy of your contact information
with your designated office and home contacts.
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When a medical
emergency occurs, speedy and accurate communication of your medical
condition and history is vital. Without it, a condition could be
overlooked or mistreated. Absent the details of your drug allergies,
for example, you could be given medications that could exacerbate a
condition or threaten your overall health—and be more serious than the
emergency for which you’re being treated!
If you’re unconscious or
unable to think or speak clearly, how can such information be obtained?
Even if you’re awake and clear-headed, such details may not readily
come to mind. (Maybe you’re an exception, but most people tend to lose
focus pretty quickly when they’re bleeding or in severe pain. Even minor
traumas can find us stumbling for words and recall. You’d be surprised
at what you forget in even a minor emergency.)
For those reasons, every
traveler should compile a detailed history to be carried with them on
the road. Everyone should provide the following information regardless
of their current state of health:
Personal
Medical Data: The Bare-Minimum Basics
► Your blood type
(You can save precious time with this single piece of information
and you'd be amazed how many of us don't know our own blood type.);
► Your date of birth
(Your age can be a factor in diagnosis and treatment.);
► Any allergies
you have to either over-the-counter or prescription medications;
► Pre-existing health
conditions
(diabetes, heart disease, epilepsy, etc.);
► Any recent
(within the last six weeks) surgery or medical procedures,
including oral or facial surgery, you have undergone;
► Any speech,
hearing, visual, memory, or other physical condition that may not be
obvious to an observer;
► Note whether you
wear glasses or contact lenses, and include a copy of your
prescription for them;
► The location and
type of a pacemaker or any other kind of medical device
(shunt, diabetic pump, etc.) that has been implanted or attached
to your body.
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NOTE: If you are pregnant,
make sure you note this prominently at the top of your
information sheet. Depending on how far along you are in
your pregnancy, it may not be obvious that you're
pregnant and you could receive treatment that might
endanger your baby.
If you're actively
trying to conceive or there is any possibility that you
might be pregnant and not know it, note this as well.
(Now is not the time to worry about privacy.) |
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Additional
Essential Personal Medical Information
For a thorough
"portfolio" of information, you should also include:
► A list of the
prescription medications you are currently taking along with the
dosage and frequency and the reason they have been prescribed
(Some meds are prescribed for multiple conditions and it’s important
to know the condition for which they’ve been prescribed.);
► A list of any
over-the-counter (OTC) products and dietary herbs, vitamins, or
supplements you are taking.
In some instances, travelers have developed allergic reactions or
other problems while taking such products and often fail to tell
others that they are taking them, thinking they are “harmless” or
irrelevant. In other cases, there may be a problem with an
unanticipated drug interaction.
► A summary overview
of your medical history
including any surgeries, hospitalizations, accidents, or other
medical "events" you've experienced from childhood through the
present time, including details of any disease or condition for
which you are currently being treated;
► A brief summary of
your family's relevant medical conditions.
(Knowing that your mother is being treated for diabetes or a heart
condition, or that you have a family member who has had seizures, an
aneurysm, a stroke, or circulation problems, for example, can help
with an accurate and prompt diagnosis when a formerly healthy person
develops a physical problem with no seeming relationship to their
general state of health.)
TIP:
If such information or family is unavailable, note that as well. It
will save others from wasting time trying to contact deceased or
otherwise unreachable relations.
If you're an
international globe-trotter, add:
►
A list of immunizations (type, date, etc.)
If you have a
chronic or other diagnosed health condition, you should also
include:
►
Your most recent (six months or later) cholesterol and blood
pressure readings (which indicate factors such as high cholesterol
or high blood pressure that could contribute to some medical
conditions and influence treatment);
►
If you have a heart condition that requires monitoring, you should
carry a copy of your most recent ECG—or provide ready access to a
healthcare provider who can provide a copy on demand. (If you don’t
want to carry it around, you can store it on a number of paid online
services such as Instant EKG.)
Medical
Records Access Information
Many primary-care
physicians and medical practices have a special department (Medical
Records) that handles your medical files. Get the contact name
and direct phone numbers and list them with your other medical
contact information. In some situations, you can avoid unnecessary
or risky procedures by having your records reviewed before
additional expensive or risky testing is initiated.
TIP: Such information is
rarely retrievable after normal business hours
(and medical-practice hours of operation may vary from the standard
9-to-5 of business operations). If you have records that need to be
available 24/7, consider storing them in an online or electronic
service. Yes, there are security issues but the farther you travel and
the more precarious your health, the more important it is to have
complete access as needed.
If you’ve "parked"
your medical info with an online or electronic service, indicate how to
access this stored data. Include company names, phone numbers, Web
URLs, and ID and password information needed for authorized access for a
healthcare organization or provider. If a smart card is required,
carry the card with you and indicate that a card is needed.
TIP:
Make sure you sign on with a reputable carrier and one who will, if
necessary, bend the rules if you need emergency access and don't have
passwords or other IDs readily available.
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Now that you've
compiled the contact info and medical data, you'll need to keep it
in a stable, durable format that you can carry with you. Because
the key here is ALWAYS carrying the info on your person. A readable
hardcopy in your wallet, handbag, or luggage is an essential backup
but you could be separated from them (think lost, stolen, or
otherwise missing).
The simplest method? A
typed or printed card or sheet of paper that you fold and stash in your
pant or skirt pocket or on something that you can wear (say, around
your neck or waist) or otherwise keep on your body (See
Medical-ID Jewelry).
Some very clever folks
have their typed or printed information photocopied (on heavy card
stock, say 100#) and reduced to index-card-size sheets that they
laminate for durability. These folks suggest carrying them in the
same case as your airline tickets and/or passport because they are
equally valuable.
With more and more folks
wearing security ID info attached to chains around their neck or on key
chains, you could also add your cards to them. Of course, you'll need to
keep the key chain in your pocket at all times and keys have this
damnable way of getting lost. (All of these methods, of course, have
their drawbacks but I note the simplest because it's got to be easy
enough for the average person to embrace.)
In the not-too-distant
future, we'll have chips with implanted in our bodies and medical
caregivers will be able to quickly scan our body for the data. We'll
never have to worry about misplacing, forgetting, or losing the info.
Till then, alas, we'll need to rely on decidedly un-tech formats and
personal vigilance.
Smart Cards, Online
Storage, and Other Options
Some folks have
created Web sites with their own information or signed on for
services that provide free or fee-based medical record storage that
is accessed online or via scanable or machine-readable smart cards.
Aside from the obvious security issues with these formats, there’s
the more important issue of access. Even if you're on the ground and
in a well-equipped medical facility, the equipment needed to scan or
read a card may not be available or you can't access the Net. And if
you are, heaven forefend, on a plane that's in mid-air these options
are useless. Even with their air-to-ground telemedicine connections
and in-flight defibrillators, airline personnel and any available
passengers with medical training still require instant information
to act. Your "old-fashioned" sheet or card will be more usable
for on-the-spot care.
Backup: Important But
No Substitute for 'The Real Thing'
Some of you may already have such information
stashed on your PDA, a CD or Zip disk, in a file on your laptop, or
on a printout back home or in the office. That’s a great idea for
your personal reference and as a backup for your family, but it
won’t do a thing to help on-site emergency medical teams or
on-the-fly good Samaritans.
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OK, here’s a
scenario: You’re unconscious or otherwise unable to communicate, but
you aren’t dying and you have a viable source for obtaining your
medical data. You’re receiving the required care from qualified
providers in an established medical facility. You’ve got nothing to
worry about, right? Not necessarily.
Medical conditions can
change quickly or unexpectedly, and choosing medical treatment is not
always clear-cut. Having
advance directive documents such as a medical power of
attorney (that lets you designate someone to make decisions on your
medical care if you are unable to make them) and a living will
(that states your wishes if you are unable to communicate at the end of
your life) can be vital.
TIP:
Partnership for Caring provides
free state-specific advance directive documents and
instructions. You can find more about a
Medical Power of Attorney (also known as a Durable Power of
Attorney for Health Care) at
legalzoom.com.
Completing the appropriate forms for your state and then leaving
instructions and the forms with your family and legal representative (as
well as the person to whom you've given medical power of attorney) is
one way to ensure that your wishes are honored. But even if you’ve had
the foresight to prepare such documents, getting them to medical
caregivers can be problematic—what if your next of kin or attorney can’t
be reached? Or what if your forms aren’t readily available (say locked
in a safe-deposit box in a closed-for-business bank or in another
unreachable location)? These are details you need to address now
so that you don't have to worry later on.
Given today's technology, you've got a number of options to prevent
this problem. Depending on your level of concern, you may want to employ
all of them.
First, you can keep back-up hard copies at home and your office.
Second, you can store scanned copies of the originals on a CD, Zip disk,
or other portable back-up media that you can take with you. (Make sure
they are properly labeled and not "locked" so that they can be accessed
via any computer.) In a worst-case scenario, someone can be dispatched
to the local Kinko's if the location you're in doesn't have equipment on
which you can use your back-up media.
Relying on forms stored on
your laptop is not optimum since it may not be available or accessible.
Services such as MedicAlert®'s
National Repository for Advance Directives provide central and
confidential storage of your documents with 24/7 worldwide access.
Consider Becoming an Organ/Tissue Donor
Many people verbally
express a desire to become donors but don't follow up with the
necessary paperwork. If you're serious about becoming a donor, take
a few moments and complete the appropriate steps to make your wishes
legal and enforceable.
TIP:
Legal experts indicate that family members are ultimately
responsible for signing off for program participation. In some
states or situations, even the availability of your donor card and
driver's license with your wishes clearly indicated may not
guarantee that your donation is made. Make sure that your family,
your legal representative(s), and whoever holds your medical power
of attorney is aware of your wishes. Always provide copies of
your donor card or other legal documents indicating your wishes to
your family.
Rules and regulations
vary by state and you can get details from your state's donor network or
a local organ procurement organization. For more information on what's
involved in organ donation, review the Health Resources
and Services Administration's
FAQs. You can
download a
business-size donor card or request that one be sent to you
(1-888-ASK-HRSA).
Don't forget to fill out
the card and carry it with you at all times.
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You don’t have to have a serious
health condition to benefit from wearing a medical
identification bracelet or pendant such as those offered by
Medic Alert. But if you do have a non-apparent
disability or chronic condition or one that could lead to an
episode requiring immediate intervention (e.g., if you’re
an epileptic, a diabetic who could go into insulin shock, have
severe allergies, or have heart arrhythmias), wearing an
identification device that lists your relevant health concerns
can facilitate proper treatment.
In addition, providers such as Medic Alert offer
24-hour phone access to trained representatives who will
provide your medical history (a hard copy can also be
requested); 800-825-3785.
Fashion-Conscious Alternatives
If you're turned off by the idea of wearing traditional
medical-alert jewelry, consider more fashionable options.
Celebs are ordering Lauren Hope's stylish
beaded combinations, but at prices starting around $40,
they're within reach of most travelers.
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