Travel Medical Insurance 
Traveling abroad can be an exciting experience. But what would happen if you, a family member or employee became ill or injured while traveling outside the U.S.? Many traditional health insurance plans offer domestic coverage, but many do not offer comprehensive coverage for international travel. Travel Insurance provided at www.morogroup.com offers you comprehensive international medical coverage and 24-hour availability to multi-lingual medical staff and customer service professionals. Note: At our home page, click on “Individual Insurance”, then “Specialty Insurance” for four (4) international policies to suit your travel needs – immediate quotes, online application, same day electronic policy issuance, travel alerts and more!
Temporary or ‘Short Term’ Medical Insurance
Temporary or Short Term Medical is available for individuals who may not be eligible for employer insurance or have a need to purchase their own coverage for one temporary reason or another. Are you “in between” jobs or waiting for employer coverage to begin? Do you have an employee waiting for your employer plan to begin? Is there a dependent that recently graduated and will lose coverage? Temporary insurance may provide a lower cost alternative to COBRA or State continuation (see pre-existing condition language). Designed for peace of mind for new illness or injury needs, we have several options that offer you a short term solution. Quote and apply online at www.morogroup.com. Coverage can begin as early as 12:01am next day.
Student Select Medical Insurance 
Are you a college student losing benefits under your parent plan or do you have a college age student no longer eligible as a dependent under your plan? Our student medical program may fill your insurance needs. Visit our home page for more details at www.morogroup.com. Available to WI resident students studying at an accredited college or university anywhere in the U.S. up to age 30. Students studying abroad, please see our international travel plans described above.
Dental Care Advantage –National Dental Discount Program
Our Dental Care Advantage discount program provides members with savings on many dental services when seen by a participating provider, Nationwide. This plan also includes (at no additional charge) discounts for vision, prescription drug, chiropractic and hearing. The premium is affordable - $5.50 per month for single individuals. Our senior program (age 55+) offers same discounts beginning at $4.00 per month.
Information is available for all of these plans on our website. To request a supply of printed brochures and applications, please contact us and we will be happy to send to you.
If you have any questions, please call us at (800) 553-6676 or locally at (414) 766-9700.
For all of your insurance needs, “go ‘to Moro’ today!”
THE HEALTH CARE DOLLAR
What makes up the amount you spend (per dollar) toward health care expenses? For every dollar you spend:
33 cents is spent on physician services
20 cents is spent on inpatient costs
15 cents is spent on outpatient costs
14 cents is spent on drugs
5 cents is spent on other medical services
6 cents is spent on government payments, compliance, claims processing and other admin costs
4 cents is spent on consumer services (provider support and marketing)
3 cents is spent on insurer profits
MEDICAL NEWS 
HEAT EXHAUSTION
Heat exhaustion is one of the heat-related syndromes, which range in severity from mild heat cramps to heat exhaustion to potentially life-threatening heatstroke.
Signs and symptoms of heat exhaustion often begin suddenly, sometimes after excessive exercise, heavy perspiration and inadequate fluid intake. Signs and symptoms resemble those of shock and may include:
- Feeling faint or dizzy
- Nausea
- Heavy sweating
- Rapid, weak heartbeat
- Low blood pressure
- Cool, moist, pale skin
- Low-grade fever
- Heat cramps
- Headache
- Fatigue
- Dark-colored urine
If you suspect heat exhaustion:
- Get the person out of the sun and into a shady or air-conditioned location.
- Lay the person down and elevate the legs and feet slightly.
- Loosen or remove the person's clothing.
- Have the person drink cool water.
- Cool the person by spraying or sponging him or her with cool water and fanning.
- Monitor the person carefully. Heat exhaustion can quickly become heatstroke.
If fever greater than 102 F (38.9 C), fainting, confusion or seizures occur, dial 911 or call for emergency medical assistance.
This newsletter is not intended to give advice on health issues. If you have a health concern, please see your physician.
