This is a very trying time for all of us – for our country – for our world. In an effort to help ease some fears and provide some insight, I have dedicated this month’s broker address to addressing the Coronavirus (COVID-19). The information provided to you is derived from a collection of sources which include reputable medical and media sources (for coverage thus far), as well as my own experience in the health & wellness, health care, as well as health insurance industries.
Additionally, I’d like to emphasize that my approach to my practice has always been “knowledge is power,” and my clients can attest to that. All information provided by me is direct, in order to be as transparent as possible, and we will work together to find the best solution for you.
As of this morning and according to the CDC, there have only been 8,554 COVID-19 tests completed. More tests will be distributed within the coming weeks, and I urge you not to get rattled by the numbers, as more of the results are analyzed. There is wall-to-wall media coverage of the number of people around the globe who have been affected and those who have even passed away from this terrible illness. However, due to the fact that we are not working with very many numbers, the mortality rate is naturally higher (not to mention, we don’t often hear about how many have actually recovered). With more tests made available to all of the states, the mortality rate will likely decrease because we have a better chance of catching people before they become completely ill.
What is it, and how is it transmitted?
It’s important to discuss what this virus is. Coronavirus (COVID-19) is definitely a contagious disease. This is a fluid situation, so it’s still unknown as to exactly how contagious. Researchers know that the virus is encapsulated, meaning moisture is involved and will only live on surfaces if wet. This is why sharing cups, utensils, silva, or just being close enough to someone whose spit can reach you (close quarters), is enough to get sick.
While many people compare this to the flu, there are certain points to make as to why this situation cannot be treated like the flu. Scientists and doctors are familiar with the overall structure of the flu and know how to treat it. They are not yet that familiar with the Coronavirus and what it is capable of. The flu also has a vaccine, while there is no vaccine yet for COVID-19. As for the flu, it’s been shown to provide immunity once ill, which is why the vaccine works. Scientists are still unsure if a person can gain immunity to COVID-19. Long story short: It’s not the flu. It’s unknown territory.
Who’s at risk?
Adults 60+ and those with pre-existing conditions like cardiovascular disease, hypertension, cancer, those who are immunosuppressed, those with respiratory illnesses, and diabetes are at the highest risk for contracting COVID-19. There is currently not enough data to determine the effects on a pregnant woman. If you are a smoker or someone who vapes, there is data on increased risk for this virus. Fortunately, it seems that are our younger population is “spared” from the higher risks, but it doesn’t mean that they can’t spread it. As of right now it does seem that even an asymptomatic person can spread this virus.
What can I do to prevent this?
While I was writing about how the Coronavirus isn’t like the flu, here’s how it IS. It can be prevented by similar, key practices that we should all be practicing even out of flu season:
- Hand Washing: Warm water is preferred, but cold water is sufficient as long as all sides and crevices of the hand are scrubbed with soap and water for at least 20 seconds.
- Don’t Touch Your Face. The virus can be transmitted through your eyes, ears, nose, and mouth. Just don’t do it.
- Hidden Areas: If your nails are long, invest in a nail brush and brush under and around your nails. Be sure to clean the brush and allow it to fully dry between uses.
- Sanitize, Sanitize, Sanitize: Properly sanitize your devices (including your phone at least once per day), surfaces, door knobs, light switches, elevator buttons, etc.
- Social Distancing – Start Immediately. This means to avoid human interaction as much as possible: work from home, avoid large crowds and events, public transportation, areas without proper ventilation, and don’t hug or shake hands with anyone. Elbow bumps or foot taps are cooler.
- Diet: Make sure you have a nutrient-dense diet to help you fight off anything that may come your way, whether it be the Corona Virus, flu, or cold.
- H2O: Drink as much water as you can. A gallon a day is essential for most areas of the country. If it’s hotter where you are, you’ll need to drink more than that. It helps flush out any toxins and keeps you hydrated.
- Vitamins and Supplements: It’s a full-time job to get enough vitamins and nutrients from our diet, so we must supplement.
Got questions about any of the above? Let me know. I can help.
What if I need to get tested?
Good news! The President has encouraged all health insurance companies to provide this expensive diagnostic test at no cost to the patient. I have confirmed with two of the major companies that I work with, as a broker, that they will be covering this test (as long as it is ordered by a doctor) at no cost to my clients. Please message me for details on this.
What if I think I have the Coronavirus?
There are key indicators that you need to get tested need to be determined by a doctor. Please call your primary care doctor (PCP), use telemedicine services, or the medical office hotline before visiting the ER. If you have difficulty breathing and your fever is elevated, call the ER ahead of time, so that you may enter the hospital through the appropriate area and be seen accordingly.
How can I help myself and my family?
The long and short of it is – the data just isn’t in yet. We need to wait for more test results to arrive. This isn’t the time to just think about yourself. Even if you don’t believe you will get sick because your immune system is rock-solid, consider others who may not be so lucky. This virus is truly testing our country’s systems and challenges our lifestyles. Can we afford to take time off or support our family if we need to be quarantined? This is not about fear – this is the real situation.
My advice:Have a plan, a fluid plan, but be confident and committed to it. This will allow you to make calm, rational decisions, instead of reacting without recognizing any of the consequences to you or your family.
Prepare: This isn’t about how many truck loads of toilet paper and masks you can accumulate. The truth is – some of these masks may do more harm than good. There are different types of masks for a reason, because they each serve a different purpose. If you can believe it, some masks can make you sicker because they keep things in. That’s definitely not what you want if you are sick – you don’t want to make yourself sicker. Have enough food, supplies, and medication, for at least 30 days. The deal is – this may go on until we have a vaccine in about a year and a half. While we can’t stop our lives for that long and like I said in the beginning of this address, let’s be transparent and direct about the reality of this situation that affects us all.
With that being said…
Are you prepared for the worst?
While my intention isn’t to instill fear or be morbid, I feel that I wouldn’t be doing my duty and progressing in my mission if I didn’t ask you if you have enough health insurance coverage, proper supplementation to help you with out-of-pocket costs should you become hospitalized or critically ill, or…do you have enough life insurance?
Let me help you. I have to be (more) honest; it’s situations like this one that pushed me into this field in the first place. I want to be an advocate and a resource for people everywhere. This world, this system isn’t perfect, but I know how to help you and your family navigate it.
It’s time to plan.
Be well my friends,