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10.7-7.8 10.8 7.8-4.3-12.6 11-7.9h-13.5zm-169-50.6-4.4 12.6H26.2l10.7 7.9-4 12.7L43.8 50l10.6 7.9-4.1-12.7 10.9-7.9H47.8zm56.2 0-4.2 12.6H82.6l10.7 7.9-4 12.7L100 50l10.8 7.9-4-12.7 10.7-7.9h-13.4zm56.3 0-4 12.6h-13.5l11 7.9-4.2 12.7 10.7-7.9 11 7.9-4.2-12.7 10.7-7.9h-13.2zm56.5 0-4.2 12.6h-13.3l10.8 7.9-4 12.7 10.7-7.9 10.8 7.9-4.3-12.7 11-7.9h-13.5z" fill="#FFF"></path></svg></span><span class="block sm:hidden 2xl:block">United States</span><span class="ml-2"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none" aria-hidden="true"><path class="fill-paligBlack rotate-90 origin-center dark:fill-black" fill-rule="evenodd" d="M8.293 5.293a1 1 0 0 1 1.414 0l6 6a1 1 0 0 1 0 1.414l-6 6a1 1 0 0 1-1.414-1.414L13.586 12 8.293 6.707a1 1 0 0 1 0-1.414Z" clip-rule="evenodd"></path></svg></span></div></div><ul class="cursor-pointer hidden bg-white shadow-md z-10 absolute right-1 w-full min-w-[140px]"><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 513 342" class="w-6 aria-hidden"><path fill="#FFF" d="M0 0h513v342H0z"></path><path d="M0 0h513v26.3H0zm0 52.6h513v26.3H0zm0 52.6h513v26.3H0zm0 52.6h513v26.3H0zm0 52.7h513v26.3H0zm0 52.6h513v26.3H0zm0 52.6h513V342H0z" fill="#D80027"></path><path fill="#2E52B2" d="M0 0h256.5v184.1H0z"></path><path d="m47.8 138.9-4-12.8-4.4 12.8H26.2l10.7 7.7-4 12.8 10.9-7.9 10.6 7.9-4.1-12.8 10.9-7.7zm56.3 0-4.1-12.8-4.2 12.8H82.6l10.7 7.7-4 12.8 10.7-7.9 10.8 7.9-4-12.8 10.7-7.7zm56.5 0-4.3-12.8-4 12.8h-13.5l11 7.7-4.2 12.8 10.7-7.9 11 7.9-4.2-12.8 10.7-7.7zm56.2 0-4-12.8-4.2 12.8h-13.3l10.8 7.7-4 12.8 10.7-7.9 10.8 7.9-4.3-12.8 11-7.7zM100 75.3l-4.2 12.8H82.6L93.3 96l-4 12.6 10.7-7.8 10.8 7.8-4-12.6 10.7-7.9h-13.4zm-56.2 0-4.4 12.8H26.2L36.9 96l-4 12.6 10.9-7.8 10.6 7.8L50.3 96l10.9-7.9H47.8zm112.5 0-4 12.8h-13.5l11 7.9-4.2 12.6 10.7-7.8 11 7.8-4.2-12.6 10.7-7.9h-13.2zm56.5 0-4.2 12.8h-13.3l10.8 7.9-4 12.6 10.7-7.8 10.8 7.8-4.3-12.6 11-7.9h-13.5zm-169-50.6-4.4 12.6H26.2l10.7 7.9-4 12.7L43.8 50l10.6 7.9-4.1-12.7 10.9-7.9H47.8zm56.2 0-4.2 12.6H82.6l10.7 7.9-4 12.7L100 50l10.8 7.9-4-12.7 10.7-7.9h-13.4zm56.3 0-4 12.6h-13.5l11 7.9-4.2 12.7 10.7-7.9 11 7.9-4.2-12.7 10.7-7.9h-13.2zm56.5 0-4.2 12.6h-13.3l10.8 7.9-4 12.7 10.7-7.9 10.8 7.9-4.3-12.7 11-7.9h-13.5z" fill="#FFF"></path></svg></span><span>United States</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 513 342" class="w-6 aria-hidden"><path d="M0 0h513v342H0z"></path><path fill="#0072c6" d="M88.8 136.5c-2.2 12.9-3.4 26.2-3.4 39.8 0 13.6 1.2 27 3.4 39.8L256 228.3l167.2-12.1c2.2-12.9 3.4-26.2 3.4-39.8s-1.2-27-3.4-39.8"></path><path fill="#FFF" d="M423.2 219H88.8c15.8 69.8 84.7 122.3 167.2 122.3S407.4 288.8 423.2 219z"></path><path fill="#FFDA44" d="M365.9 136.5H146.1l44.9-21.1-23.9-43.5 48.8 9.4L222 32l34 36.2L290 32l6.1 49.3 48.8-9.4-23.9 43.5z"></path><g fill="#ce1126"><path d="M256.5 342 0 0v342z"></path><path d="M513 342V0L256 342z"></path></g></svg></span><span>Antigua &amp; Barbuda</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 363 242" class="w-6 aria-hidden"><path fill="#338AF3" d="M0 0h363v242H0z"></path><path fill="#FFF" d="M57 96.9 14.7 78.2 57 59.6l18.6-42.2 18.6 42.2 42.3 18.6-42.3 18.7-18.6 42.2z"></path><path fill="#f30028" d="m75.6 40.6 11.5 26.1 26.1 11.5-26.1 11.5-11.5 26.1-11.5-26.1L38 78.2l26.1-11.5z"></path><path d="M0 152.2h363v15.7H0zm0 31.4h363v15.7H0z" fill="#FFDA44"></path></svg></span><span>Aruba</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 513 342" class="w-6 aria-hidden"><path fill="#ffc726" d="M0 0h513v342H0z"></path><path d="M0 0h171v342H0zm342 0h171v342H342z" fill="#00267f"></path><path d="m325.74 101.02-31.97 12.4c-.68 1.35-5.79 7.54-8.18 53.06h-17.05v-60.42L256 78.68l-12.54 27v60.8H226.4c-2.39-45.53-7.8-52.48-8.47-53.84l-31.68-11.63c.15.31 15.4 31.34 15.4 78.01v12.54h41.81v71.07h25.08v-71.07h41.81v-12.54c0-24.13 4.17-44.02 7.68-56.46 3.82-13.57 7.7-21.49 7.74-21.57l-.03.03z"></path></svg></span><span>Barbados</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 513 342" class="w-6 aria-hidden"><path fill="#0052B4" d="M0 0h513v342H0z"></path><circle fill="#6DA544" cx="384" cy="96.5" r="29.7"></circle><path fill="#D80027" d="M332.1 89H436v44.5H332.1z"></path><path fill="#496E2D" d="M435.9 170.7z"></path><path fill="#FFDA44" d="M332.1 200.3V230h15.6c9.4 9.2 22.2 14.8 36.3 14.8 14.1 0 27-5.7 36.3-14.8h15.6v-29.7H332.1z"></path><path fill="#338AF3" d="M332.1 126.1v44.5c0 39.8 51.9 51.9 51.9 51.9s51.9-12.2 51.9-51.9v-44.5H332.1z"></path><path d="M384 149.9c-13 0-13 11.9-26 11.9s-13-11.9-26-11.9v20.8c13 0 13 11.9 26 11.9s13-11.9 26-11.9 13 11.9 26 11.9 13-11.9 26-11.9v-20.8c-13 0-13 11.9-26 11.9s-13-11.9-26-11.9zm0-41.6c-13 0-13 11.9-26 11.9s-13-11.9-26-11.9v20.8c13 0 13 11.9 26 11.9s13-11.9 26-11.9 13 11.9 26 11.9 13-11.9 26-11.9v-20.8c-13 0-13 11.9-26 11.9s-13-11.9-26-11.9z" fill="#F3F3F3"></path><path fill="#FFF" d="M256 0v22.6l-46.1 30.7H256v64h-46.1L256 148v22.7h-22.6l-73.4-49v49H96v-49l-73.4 49H0V148l46.1-30.7H0v-64h46.1L0 22.6V0h22.6L96 48.9V0h64v48.9L233.4 0z"></path><g fill="#D80027"><path d="M144 0h-32v69.3H0v32h112v69.4h32v-69.4h112v-32H144z"></path><path d="M0 0v15.1l57.4 38.2H80zm256 0v15.1l-57.4 38.2H176z"></path><path d="M0 0v15.1l57.4 38.2H80zm256 0v15.1l-57.4 38.2H176zM0 170.7v-15.1l57.4-38.3H80zm256 0v-15.1l-57.4-38.3H176z"></path></g></svg></span><span>Cayman Islands</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 513 342" class="w-6 aria-hidden"><path fill="#FFDA44" d="M0 0h513v342H0z"></path><path fill="#D80027" d="M0 256.5h513V342H0z"></path><path fill="#0052B4" d="M0 171h513v85.5H0z"></path></svg></span><span>Colombia</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 513 342" class="w-6 aria-hidden"><path fill="#FFF" d="M0 0h513v342H0z"></path><path fill="#D80027" d="M0 114h513v114H0z"></path><path fill="#0052B4" d="M0 285h513v57H0zM0 0h513v57H0z"></path></svg></span><span>Costa Rica</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 513 342" class="w-6 aria-hidden"><path fill="#002b7f" d="M0 0h513v342H0z"></path><path fill="#f9e814" d="M0 233.5h513v51H0z"></path><path d="m168.7 86.5 12.9 39.8h41.8l-33.8 24.5 12.9 39.7-33.8-24.5-33.8 24.5 12.9-39.7-33.8-24.5h41.8zm-83.3-54 7.8 23.9h25L97.9 71.1l7.8 23.8-20.3-14.7-20.3 14.7 7.8-23.8-20.3-14.7h25.1z" fill="#FFF"></path></svg></span><span>Curaçao</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 513 342" class="w-6 aria-hidden"><path fill="#496E2D" d="M0 0h513v342H0z"></path><path d="M0 110.7v120h513v-120z"></path><path fill="#FFDA44" d="M0 110.7h513v40H0z"></path><path fill="#FFF" d="M0 190.7h513v40H0z"></path><path d="M196 0h120v342H196z"></path><path fill="#FFDA44" d="M196 0h40v342h-40z"></path><path fill="#FFF" d="M274.7 0h40v342h-40z"></path><circle fill="#D80027" cx="256" cy="170.7" r="123.1"></circle><path d="m256 58.6 4.6 14.2h15l-12.1 8.9 4.6 14.2-12.1-8.8-12.1 8.8 4.6-14.2-12.1-8.9h15zM190.1 80l12.2 8.8 12.1-8.8-4.6 14.3 12.1 8.8h-15l-4.6 14.2-4.7-14.2h-15l12.1-8.8zm-40.7 56h15l4.6-14.2 4.7 14.2h15l-12.2 8.8 4.7 14.3-12.2-8.8-12.1 8.8 4.6-14.3zm0 69.3 12.1-8.8-4.6-14.3L169 191l12.2-8.8-4.7 14.3 12.2 8.8h-15l-4.7 14.3-4.6-14.3zm40.7 56.1 4.6-14.3-12.1-8.8h15l4.7-14.3 4.6 14.3h15l-12.1 8.8 4.6 14.3-12.1-8.9zm65.9 21.4-4.6-14.3h-15l12.1-8.8-4.6-14.3 12.1 8.8 12.1-8.8-4.6 14.3 12.1 8.8h-15zm65.9-21.4-12.2-8.9-12.1 8.9 4.6-14.3-12.1-8.8h15l4.6-14.3 4.7 14.3h15l-12.1 8.8zm40.7-56.1h-15l-4.6 14.3-4.7-14.3h-15l12.2-8.8-4.7-14.3L343 191l12.1-8.8-4.6 14.3zm0-69.3-12.1 8.8 4.6 14.3-12.1-8.8-12.2 8.8 4.7-14.3-12.2-8.8h15l4.7-14.2 4.6 14.2zm-40.7-56-4.6 14.3 12.1 8.8h-15l-4.7 14.2-4.6-14.2h-15l12.1-8.8-4.6-14.3 12.1 8.8zM279.3 168.7c-11-21.1-14.5-25.1-14.5-25.1s.4-9.7.4-15.6c0-8.8-7.4-15.8-16.5-15.8-8.6 0-15.7 2.9-16.5 11-4.2.9-8.6 4.1-8.6 10.7 0 4.8 1 7.3 5.2 9.3 2.1-4.6 4.3-4.8 9.3-6.4.8.6 1.7 3 2.6 3.4l.3 1s-13.3 6.6-13.3 30.9c0 29.5 22 45.4 22 45.4l-1.8.3-1.9 7.1h22v-7.2l11 17.5c.3-.3 10.2-47.6.3-66.5z" fill="#496E2D"></path></svg></span><span>Dominica</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 513 342" class="w-6 aria-hidden"><path fill="#FFDA44" d="M0 0h513v342H0z"></path><path fill="#0052B4" d="M0 170.7h513V256H0z"></path><path fill="#D80027" d="M0 256h513v85.3H0z"></path><circle fill="#FFDA44" cx="256" cy="171" r="60"></circle><path fill="#4C1F00" d="M369.2 79.9s-27.2-13.8-33.9-16c-6.7-2.2-49.1-13.2-49.1-7 0 10.3-13.5 12-15.5 12s-2-5.3-14.8-5.3-13.7 4.8-15.8 4.8c-2.2 0-14.5-1-14.5-11.5 0-5.2-42.9 4-49.1 7-6.1 3.1-33.9 16-33.9 16s45.8 2.7 53.9 6.2 43.8 16.5 43.8 16.5l-2.8 13.3h37.8l-3.8-13.3s35.1-12.7 43.8-16.5 53.9-6.2 53.9-6.2z"></path><path fill="#57BA17" d="M217.7 171.7c0 21.1 17.2 38.3 38.3 38.3 21.1 0 38.3-17.2 38.3-38.3v-11.5h-76.5v11.5z"></path><path fill="#338AF3" d="M256 110.5c-21.1 0-38.3 17.2-38.3 38.3v11.5h76.5v-11.5c.1-21.1-17.1-38.3-38.2-38.3z"></path></svg></span><span>Ecuador</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 85.333 512 341.333" class="w-6 aria-hidden"><path fill="#FFF" d="M0 85.337h512v341.326H0z"></path><path d="M0 85.337h512v113.775H0zm0 227.551h512v113.775H0z" fill="#0052B4"></path><path fill="#FFDA44" d="M228.582 261.936 256 214.447l27.418 47.489z"></path><path fill="#6DA544" d="M291.616 277.616 256 295.425l-35.616-17.809v-23.744h71.232z"></path><path fill="#FFDA44" d="m289.579 216.485-12.592 12.592c5.37 5.372 8.693 12.791 8.693 20.988 0 16.392-13.289 29.68-29.68 29.68-16.392 0-29.68-13.289-29.68-29.68 0-8.195 3.322-15.616 8.693-20.988l-12.592-12.592c-8.594 8.594-13.91 20.466-13.91 33.579 0 26.228 21.261 47.489 47.489 47.489s47.489-21.261 47.489-47.489c0-13.114-5.316-24.987-13.91-33.579z"></path></svg></span><span>El Salvador</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 513 342" class="w-6 aria-hidden"><path fill="#c60a0a" d="M0 0h513v342H0z"></path><path fill="#3E8446" d="m256.5 170.7-212 126.1V44.5z"></path><path d="m256.5 170.7 211 126.1h-423zm211-126.2-211 126.2-212-126.2z" fill="#FFDA44"></path><path fill="#3E8446" d="M467.5 44.5v252.3l-211-126.1z"></path><path d="m256.5 10.4 2.8 10.2H270l-8.6 6.3 3.3 10.2-8.2-6.3-9.2 6.3 3.3-10.2-8.6-6.3h10.7zm-86.4 0 3.3 10.2h10.7l-8.6 6.3 3.3 10.2-8.7-6.3-8.7 6.3 3.3-10.2-8.6-6.3h10.7zm171.8 0 3.3 10.2H356l-8.7 6.3 3.3 10.2-8.7-6.3-8.7 6.3 3.3-10.2-8.6-6.3h10.7zm-85.4 293.8 2.8 10.2H270l-8.6 6.3 3.3 10.2-8.2-6.3-9.2 6.3 3.3-10.2-8.6-6.3h10.7zm-86.4 0 3.3 10.2h10.7l-8.6 6.3 3.3 10.2-8.7-6.3-8.7 6.3 3.3-10.2-8.6-6.3h10.7zm171.8 0 3.3 10.2H356l-8.7 6.3 3.3 10.2-8.7-6.3-8.7 6.3 3.3-10.2-8.6-6.3h10.7z" fill="#FFDA44"></path><circle fill="#c60a0a" cx="244.5" cy="170.7" r="76.2"></circle><path fill="#FFDA44" d="m244.5 110.1 13.6 41.8h44l-35.6 25.8 13.6 41.8-35.6-25.8-35.5 25.8 13.6-41.8-35.6-25.8h44zm-136.8 57.7c4.4 6.9 2.3 16.1-4.6 20.5s-16.1 2.3-20.5-4.6c-7.9-12.5-3.3-33-3.3-33s20.4 4.6 28.4 17.1z"></path><circle fill="#A2001D" cx="99.1" cy="182.1" r="7.4"></circle></svg></span><span>Grenada</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 513 342" class="w-6 aria-hidden"><path fill="#FFF" d="M0 0h513v342H0z"></path><path d="M0 0h171v342H0zm342 0h171v342H342z" fill="#338AF3"></path><circle fill="#DCC26D" cx="256" cy="155.8" r="25.5"></circle><path fill="#628A40" d="M194.2 155.9c0 22.1 11.8 42.5 30.8 53.5 5.9 3.4 13.5 1.4 16.9-4.5 3.4-5.9 1.4-13.5-4.5-16.9-11.5-6.6-18.5-18.9-18.5-32.1 0-6.8-5.5-12.4-12.4-12.4s-12.3 5.5-12.3 12.4zm95.1 52.1c17.8-11.4 28.6-31 28.5-52.1 0-6.8-5.5-12.4-12.4-12.4-6.8 0-12.4 5.5-12.4 12.4 0 12.7-6.5 24.5-17.1 31.3-5.8 3.6-7.7 11.2-4.1 17 3.6 5.8 11.2 7.7 17 4.1.2-.1.3-.2.5-.3z"></path></svg></span><span>Guatemala</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 513 342" class="w-6 aria-hidden"><path fill="#FFF" d="M0 0h513v342H0z"></path><path d="M0 0h513v114H0zm0 228h513v114H0zm203.5-110.1 6.7 16.6 17.6 1-14 10.9 4.7 17.7-15-9.9-15 9.9 4.7-17.7-14-10.9 17.6-1zm105 0 6.7 16.6 17.6 1-14 10.9 4.7 17.7-15-9.9-15 9.9 4.7-17.7-14-10.9 17.6-1zM256 147.6l6.7 16.6 17.6 1-14 10.9 4.7 17.7-15-9.9-15 9.9 4.7-17.7-14-10.9 17.6-1zm-52.5 29.7 6.7 16.6 17.6 1-14 10.9 4.7 17.6-15-9.9-15 9.9 4.7-17.6-14-10.9 17.6-1zm105 0 6.7 16.6 17.6 1-14 10.9 4.7 17.6-15-9.9-15 9.9 4.7-17.6-14-10.9 17.6-1z" fill="#338AF3"></path></svg></span><span>Honduras</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 513 342" class="w-6 aria-hidden"><path fill="#dc2339" d="M342 0H0v341.3h513V0z"></path><path fill="#11865d" d="M0 0h171v342H0z"></path><path fill="#FFF" d="M171 0h171v342H171z"></path><path fill="#8C9157" d="M195.8 171.2c0 21.6 11.5 41.7 30.3 52.5 5.8 3.4 13.2 1.4 16.6-4.4 3.4-5.8 1.4-13.2-4.4-16.6-11.3-6.5-18.2-18.5-18.2-31.5 0-6.7-5.4-12.1-12.1-12.1-6.7 0-12.2 5.4-12.2 12.1zm93.4 51.1c17.5-11.1 28-30.4 28-51.1 0-6.7-5.4-12.1-12.1-12.1s-12.1 5.4-12.1 12.1c0 12.4-6.3 24-16.8 30.7-5.7 3.5-7.5 10.9-4.1 16.7s10.9 7.5 16.7 4.1c0-.2.2-.3.4-.4z"></path><ellipse fill="#C59262" cx="256.5" cy="159.1" rx="24.3" ry="36.4"></ellipse></svg></span><span>Mexico</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 85.333 512 341.333" class="w-6 aria-hidden"><path fill="#FFF" d="M0 85.337h512v341.326H0z"></path><path fill="#0052B4" d="M256 256v170.663H0V256h256z"></path><path fill="#D80027" d="M512 85.337V256H256V85.337h256z"></path><path fill="#0052B4" d="m128 123.034 11.824 36.389h38.263l-30.955 22.491 11.823 36.389L128 195.813l-30.955 22.49 11.823-36.389-30.955-22.491h38.263z"></path><path fill="#D80027" d="m384 293.697 11.824 36.389h38.263l-30.955 22.491 11.823 36.389L384 366.476l-30.955 22.49 11.823-36.389-30.955-22.491h38.263z"></path></svg></span><span>Panama</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 513 342" class="w-6 aria-hidden"><path fill="#D80027" d="M0 0h513v342H0z"></path><path fill="#6DA544" d="M512 0H0v342"></path><path fill="#FFDA44" d="M307.7 0 0 194.5V342h206.9L513 148.5V0z"></path><path d="M513 0H385.2L0 249.4V341l126.2 1L513 91.6z"></path><path d="m141.1 187 31.2 24 32.3-22.2-13.1 37 31.1 23.9-39.2-1.1-13.2 37-11.1-37.6-39.2-1.1 32.3-22.2zM310.6 70.8l31.2 23.9 32.3-22.2-13.1 37 31.1 23.9-39.2-1.1-13.2 37-11.1-37.6-39.2-1.1 32.4-22.2z" fill="#FFF"></path></svg></span><span>Saint Kitts &amp; Nevis</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 513 342" class="w-6 aria-hidden"><path fill="#55B2FF" d="M0 0h513v342H0z"></path><path fill="#F3F3F3" d="M148.5 298.1h216l-108-254.2z"></path><path fill="#333" d="m186 272.7 70.5-160.3L327 272.7z"></path><path fill="#FFDA44" d="M148.5 298.1h216l-108-101.7z"></path></svg></span><span>Saint Lucia</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 85.333 512 341.333" class="w-6 aria-hidden"><path fill="#FFDA44" d="M0 85.331h512v341.337H0z"></path><path fill="#338AF3" d="M0 85.331h170.663v341.337H0z"></path><path d="M341.337 85.331H512v341.337H341.337zM214.261 283.82l-33.393-50.086 33.392-50.087 33.392 50.087zm83.478 0-33.391-50.086 33.391-50.087 33.393 50.087zM256 350.603l-33.391-50.087L256 250.429l33.391 50.087z" fill="#6DA544"></path></svg></span><span>Saint Vincent &amp; the Grenadines</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 85.333 512 341.333" class="w-6 aria-hidden"><path fill="#0052B4" d="M0 85.337h512v341.326H0z"></path><path fill="#D80027" d="M512 85.331v166.69L0 256.173V85.331z"></path><path fill="#FFF" d="M256 256.006 0 426.668V85.331z"></path><g fill="#FFDA44"><path d="M59.621 256a59.546 59.546 0 0 0-.193 4.57c0 32.821 26.607 59.429 59.429 59.429s59.429-26.607 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426.663h83.946L127.31 85.337z"></path></svg></span><span>Trinidad &amp; Tobago</span></div></li><li class="p-2 hover:bg-gray list-none"><div class="flex" role="button" tabindex="0"><span class="mr-3 mt-1"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2720%27%20height=%2720%27/%3e"/></span><img src="/favicon-16x16.png" decoding="async" data-nimg="intrinsic" 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class="cursor-pointer flex focus:outline-accessibilityBlue focus:outline-4 outline-offset-2 " aria-label="goes to page undefined" href="/en/us/wellness-hub/p/why-health-insurance-is-important"><span class="text-paligBlue font-extralight hover:text-paligBlue-light mr-5 text-xl font-sans"></span><svg xmlns="http://www.w3.org/2000/svg" width="48" height="48" class="bi bi-arrow-right-circle" viewBox="0 0 16 16" aria-hidden="true"><path class="fill-paligBlue" fill-rule="evenodd" d="M1 8a7 7 0 1 0 14 0A7 7 0 0 0 1 8zm15 0A8 8 0 1 1 0 8a8 8 0 0 1 16 0zM4.5 7.5a.5.5 0 0 0 0 1h5.793l-2.147 2.146a.5.5 0 0 0 .708.708l3-3a.5.5 0 0 0 0-.708l-3-3a.5.5 0 1 0-.708.708L10.293 7.5H4.5z"></path></svg></a></div></div></div><div class="flex flex-col md:flex-row w-full mt-8"><div class="flex justify-between flex-1 mb-[20px] md:mb-0 mx-5 md:mx-0 md:mr-[20px] md:last:mr-0 px-[16px] py-[24px] box-border border-2 border-[#E2DAD7] rounded-lg"><div class="mr-[8px]"><h2 class="font-bold text-2xl mb-[8px]">Understanding Health Insurance Costs—and How to Keep them Down</h2><div class="text-sm">February 14, 2025</div></div><div><a type="button" class="cursor-pointer flex focus:outline-accessibilityBlue focus:outline-4 outline-offset-2 " aria-label="goes to page undefined" href="/en/us/wellness-hub/p/understanding-health-insurance-costs-and-how-to-keep-them-down"><span class="text-paligBlue font-extralight hover:text-paligBlue-light mr-5 text-xl font-sans"></span><svg xmlns="http://www.w3.org/2000/svg" width="48" height="48" class="bi bi-arrow-right-circle" viewBox="0 0 16 16" aria-hidden="true"><path class="fill-paligBlue" fill-rule="evenodd" d="M1 8a7 7 0 1 0 14 0A7 7 0 0 0 1 8zm15 0A8 8 0 1 1 0 8a8 8 0 0 1 16 0zM4.5 7.5a.5.5 0 0 0 0 1h5.793l-2.147 2.146a.5.5 0 0 0 .708.708l3-3a.5.5 0 0 0 0-.708l-3-3a.5.5 0 1 0-.708.708L10.293 7.5H4.5z"></path></svg></a></div></div><div class="flex justify-between flex-1 mb-[20px] md:mb-0 mx-5 md:mx-0 md:mr-[20px] md:last:mr-0 px-[16px] 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href="/en/us/wellness-hub/p/how-to-combine-accident-and-health-insurance-a-solution-to-fit-all-clients"><span class="text-paligBlue font-extralight hover:text-paligBlue-light mr-5 text-xl font-sans"></span><svg xmlns="http://www.w3.org/2000/svg" width="48" height="48" class="bi bi-arrow-right-circle" viewBox="0 0 16 16" aria-hidden="true"><path class="fill-paligBlue" fill-rule="evenodd" d="M1 8a7 7 0 1 0 14 0A7 7 0 0 0 1 8zm15 0A8 8 0 1 1 0 8a8 8 0 0 1 16 0zM4.5 7.5a.5.5 0 0 0 0 1h5.793l-2.147 2.146a.5.5 0 0 0 .708.708l3-3a.5.5 0 0 0 0-.708l-3-3a.5.5 0 1 0-.708.708L10.293 7.5H4.5z"></path></svg></a></div><p class="text-gray-500 mb-4 mr-8">Learn how to combine plans to deliver comprehensive coverage and long-term client value</p><p class="text-black mb-4">July 31, 2025</p><div class="flex"><div class="mr-2 px-[8px] py-[4px] box-border bg-paligAqua text-paligBlack font-bold text-center">Health Insurance Trends</div><div class="mr-2 px-[8px] py-[4px] box-border bg-paligAqua 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That’s a very common—question. ","content":{"__typename":"Article","body":{"json":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Why is health insurance so expensive? That’s a very common—question. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Health insurance premiums are impacted by multiple factors. Some, like the economy, are beyond the control of consumers and even insurance companies. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"But other costs can be managed. 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By and large, healthcare inflation outpaces general inflation.   ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"According to a ","nodeType":"text"},{"data":{"uri":"https://assets.ctfassets.net/em61esqt6ro0/2TCOhiDe1QaWpQrvAxnZud/b5f837504ceea4c503bc98923f3039bd/Health_dynamics_and_disease_management_in_Latin_America_and_the_Caribbean.pdf"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"recent PALIG study","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":", healthcare costs have reached record highs, especially in our key services areas of Latin America and the Caribbean. Here’s why:   ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"An increase of chronic diseases like hypertension, diabetes, asthma and gastroesophageal reflux disease (GERD), which require more doctor visits, treatments, and medications.  ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Greater use of prescription drugs, including expensive new therapies and cancer Treatments. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"The introduction of costly new medical technologies, such as tech-assisted surgery.  ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"A growing obese/overweight population, which in turn leads to more chronic diseases. 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The key is to choose it, and use it, wisely.   ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Ways to Manage Your Health Insurance Costs   ","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"The health insurance plan with the lowest premiums isn’t always your best deal—not if the plan design doesn’t fit your needs. ","nodeType":"text"},{"data":{"uri":"https://palig.com/en/us/wellness-hub/p/5-things-to-consider-before-buying-individual-health-insurance"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"Choosing the right plan is so important","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":". Once you have the right plan, use these tips to keep costs down.   ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Get to Know Your Coverage:","nodeType":"text"},{"data":{},"marks":[],"value":" Make sure you understand what’s covered, what’s not, and what requires pre-approval (if applicable), so you can get the most from your coverage.     ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Use In-network  Medical Providers: ","nodeType":"text"},{"data":{},"marks":[],"value":"If your plan includes a provider network, make it a rule to use in-network physicians and hospitals. Why: out-of-network care costs more. This will limit your out-of-pocket expenses. 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They help you stay healthy, which — in addition to being something we all aspire to — can prevent the need for more expensive treatments later. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Take Advantage of Telehealth Services: ","nodeType":"text"},{"data":{},"marks":[],"value":"If your plan offers virtual doctor visits, consider using them for minor illnesses and injuries. They’re generally more cost-effective than in-person visits.  ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Review Your Medical Bills Closely: ","nodeType":"text"},{"data":{},"marks":[],"value":"Always check any medical bills you receive line-by-line for errors, such as duplicate charges or incorrect coding. If something seems off, it’s your right to ask your provider to doublecheck it. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Choose Generic Medications:","nodeType":"text"},{"data":{},"marks":[],"value":" Ask your doctor to prescribe the generic versions of your prescriptions whenever possible. Generic medications are as effective as their name brand equivalents, but are generally much lower cost.  ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Avoid the ER for Non-Emergencies","nodeType":"text"},{"data":{},"marks":[],"value":": Treatment at emergency rooms is very expensive. If it’s not a true emergency, consider going to an urgent care center instead. It’s less expensive and often more convenient. .","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"ordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"And know you’re not in this alone—your insurance company should play a role, too.     ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"What to Look for in a Cost-Conscious Insurance Company ","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"Some insurance carriers are actively committed to helping their members improve their health \u0026 wellbeing, while driving cost-effective \u0026 high-quality medical outcomes. At PALIG, it’s part of our mission.  ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"In addition to tightly managing providers’ charges and offering personalized plan design recommendations, here’s a few of the health-related cost-saving programs we offer.     ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Free and Essential Preventive Care Services: ","nodeType":"text"},{"data":{},"marks":[],"value":"In most Latin American countries, we offer our members an array of free or low-cost vital preventive care services, including cancer screenings, exams and vaccines. For example, our Healthier Life, Longer Life cancer screening program has provided thousands of women with mammograms and preventative cancer screenings As a PALIG Insured you can take advantage of programs such as this one. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Reduced Pharmaceutical Costs: ","nodeType":"text"},{"data":{},"marks":[],"value":"We recently renegotiated agreements with leading pharmaceutical companies and providers to make medications — especially maintenance medications — more affordable. This helps all of our members save money, especially those with chronic diseases.  ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Access to Valuable Health Information: ","nodeType":"text"},{"data":{"uri":"https://palig.com/en/us/wellness-hub"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"PALIG’s Wellness","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" Hub gives our members access to cutting-edge health and wellness content—including thousands of articles, videos, and health guides aimed to empower you to take control of your health. In addition, we offer employers toolkits and programs to share with their workforce. Because often, small lifestyle changes can lead to big health improvements. We have a deep commitment to helping our members stay healthy. It not only keeps healthcare costs down—it makes life better, too.    ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"If you’re interested in one of our healthcare solutions a local agent can show you your options, help you make a smart choice—and guide you through the process.   ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"","nodeType":"text"},{"data":{"target":{"sys":{"id":"pageSlugRef-contactustest","type":"Link","linkType":"Entry"}}},"content":[{"data":{},"marks":[],"value":"Contact us today \u003e\u003e","nodeType":"text"}],"nodeType":"entry-hyperlink"},{"data":{},"marks":[],"value":"  ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"","nodeType":"text"},{"data":{"target":{"sys":{"id":"7mM6aVNhKRJGG3tXqNY38Y","type":"Link","linkType":"Entry"}}},"content":[{"data":{},"marks":[],"value":"To see options available to you, click here \u003e\u003e","nodeType":"text"}],"nodeType":"entry-hyperlink"},{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"italic"}],"value":"*Mental health services our offered to our insureds in Colombia, Costa Rica, Guatemala and Panama","nodeType":"text"},{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"italic"}],"value":"** If you are looking for a ","nodeType":"text"},{"data":{},"marks":[{"type":"italic"},{"type":"bold"}],"value":"U.S.","nodeType":"text"},{"data":{},"marks":[{"type":"italic"}],"value":" based provider:","nodeType":"text"},{"data":{},"marks":[],"value":" \n","nodeType":"text"},{"data":{},"marks":[{"type":"italic"}],"value":"This search will return information only if you purchase your coverage outside the U.S.","nodeType":"text"},{"data":{},"marks":[],"value":" \n","nodeType":"text"},{"data":{},"marks":[{"type":"italic"}],"value":"If you purchased your coverage in the U.S., please log into ","nodeType":"text"},{"data":{"uri":"https://mypalic.com/"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"MyPalic.com","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[{"type":"italic"}],"value":" for information specific to your plan.","nodeType":"text"},{"data":{},"marks":[],"value":" ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"italic"}],"value":"This information above is not intended to be nor should be construed as medical advice or a substitute for your doctor’s care. 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In its mild form, dengue causes fever and rash and lasts approximately one week. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Severe dengue can cause shock, internal bleeding, and death. Approximately 1 in 20 people with dengue will develop severe dengue within a few hours after symptoms start. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"The primary risk factor for severe dengue is previous dengue infection.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Dengue fever is caused by 1 of 4 viruses that are different but related. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"It is transmitted through a bite by a mosquito, primarily the Aedes aegypti mosquito, which is found in tropical and subtropical regions:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"The Indonesian archipelago in northeastern Australia","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Central and South America","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Southeast Asia","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Sub-Saharan Africa","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"The Caribbean (including Puerto Rico and the US Virgin Islands)","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"It starts with a sudden high fever, often up to 105 °F (40.5 °C), that begins four to seven days after infection.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Two to five days after the fever starts, a flat, red rash may appear over most of the body. 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Fluids are given if there are signs of dehydration. Paracetamol (acetaminophen, Tylenol) is used to treat high fever.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Avoid taking acetylsalicylic acid (aspirin), ibuprofen (Advil, Motrin), and naproxen (Aleve), as they can make bleeding problems worse.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Severe dengue is a medical emergency. Treatment for severe dengue is supportive care and may include:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Fluids given through a vein (IV)","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Oxygen","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Blood pressure monitoring","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Blood transfusions","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"If untreated, dengue fever can cause the following conditions:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Febrile seizures","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Severe dehydration","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Death","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"Using protective clothing, mosquito repellent, and mosquito nets can help reduce the risk of bites by the mosquitos that can spread dengue fever, along with other infections.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"References","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"Centers for Disease Control and Prevention website. Dengue. ","nodeType":"text"},{"data":{"uri":"http://www.cdc.gov/dengue/index.html"},"content":[{"data":{},"marks":[],"value":"www.cdc.gov/dengue/index.html","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":".","nodeType":"text"},{"data":{},"marks":[],"value":" Updated August 3, 2022. Accessed December 8, 2022.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Endy TP. Viral febrile illnesses and emerging pathogens. In: Ryan ET, Hill DR, Solomon T, Aronson NE, Endy TP, eds. ","nodeType":"text"},{"data":{},"marks":[{"type":"italic"}],"value":"Hunter's Tropical Medicine and Infectious Disease","nodeType":"text"},{"data":{},"marks":[],"value":". 10th ed. Philadelphia, PA: Elsevier; 2020:chap 36.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Thomas SJ, Endy TP, Rothman AL, Barrett AD. Flaviviruses (dengue, yellow fever, Japanese encephalitis, West Nile encephalitis, Usutu encephalitis, St. Louis encephalitis, tick-borne encephalitis, Kyasanur forest disease, Alkhurma hemorrhagic fever, Zika). In: Bennett JE, Dolin R, Blaser MJ, eds. ","nodeType":"text"},{"data":{},"marks":[{"type":"italic"}],"value":"Mandell, Douglas, and Bennett's Principles and Practice of Infectious Diseases","nodeType":"text"},{"data":{},"marks":[],"value":". 9th ed. Philadelphia, PA: Elsevier; 2020:chap 153.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"World Health Organization website. Dengue and severe dengue. ","nodeType":"text"},{"data":{"uri":"http://www.who.int/news-room/fact-sheets/detail/dengue-and-severe-dengue"},"content":[{"data":{},"marks":[],"value":"www.who.int/news-room/fact-sheets/detail/dengue-and-severe-dengue","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":".","nodeType":"text"},{"data":{},"marks":[],"value":" Updated January 10, 2022. Accessed December 8, 2022.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"}},"title":"Dengue Fever: Symptoms of This Infectious Disease"},"tagsCollection":{"items":[{"name":"Infectious Diseases"}]},"image":{"__typename":"RichImage","sys":{"id":"richImage-0a473ee373878ff9d81bfac56795f55b4e0bdbbd7ff3065fba4460"},"link":null,"caption":null,"source":"Getty Images","image":{"url":"https://images.ctfassets.net/em61esqt6ro0/asset-0a473ee373878ff9d81bfac56795f55b4e0bdbbd7ff3065fba4460994a/fbad722580e5c17d8ae1d7b46ab68f4a/adam-5-001374-1704583929_2C286.jpg","title":"adam-5-001374-1704583929%2C286.jpg"}}},{"title":"How are diet and mental health linked?","publishDate":"2025-05-22T00:00:00.000-06:00","slug":"how-diet-and-mental-health-are-linked","spotlight":true,"description":"Mental health and diet are deeply connected through several mechanisms. For example, whole foods boost mental wellness; processed foods may worsen anxiety and depression. See more here.","content":{},"tagsCollection":{"items":[{"name":"Diets and nutrition"},{"name":"Mental Health"},{"name":"Videos"}]},"image":{"__typename":"RichImage","sys":{"id":"ANeNz6PuBJMtX7Q2PNop5"},"link":null,"caption":"Diet\u0026MentalHealth","source":null,"image":{"url":"https://images.ctfassets.net/em61esqt6ro0/2TGgn7sQmGMAD40zrQZXeu/bec44de8792b9f639ec5c42e59a3084e/en.jpg","title":"Diet\u0026MentalHealth"}}},{"title":"Why Health Insurance Is Important ","publishDate":"2024-10-31T00:00:00.000-04:00","slug":"why-health-insurance-is-important","spotlight":true,"description":"In order to make the best health insurance decisions for yourself and your family, there are some key facts you should know—including these.","content":{"__typename":"Article","body":{"json":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"You know that health insurance is important, but it’s important in more ways than you may think at first glance.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Health insurance isn’t always the easiest to understand. But it’s worth taking a little time to learn about, after all, knowledge is power. In order to make the best health insurance decisions for yourself and your family, there are some key facts you should know—including these. ","marks":[],"data":{}}]},{"nodeType":"heading-1","data":{},"content":[{"nodeType":"text","value":"Health Insurance Improves Access to Healthcare   ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Few things are more important than good health. Most of us learned that anew during the pandemic. One essential to good health is having access to quality healthcare. And in most parts of the world, health insurance provides that access.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Think about it: often, health insurance is the key to seeing a physician…getting admitted to a hospital… and receiving the treatments and medications you need.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"In other words, that little health insurance card you carry in your wallet is one of the most important documents you own. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Health Insurance Protects Your Finances   ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Health insurance doesn’t just protect your physical health, it protects your financial health, too. Healthcare is expensive—and without health insurance, you’re responsible for paying those costs out-of-pocket. This can be devastating, especially when a health crisis arises.   ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"According to the World Health Organization (WHO), ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.who.int/health-topics/financial-protection#tab=tab_1"},"content":[{"nodeType":"text","value":"more than one billion people","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" worldwide—about 14% of the global population—are mired in catastrophic medical debt that impacts their quality of life.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Ask yourself: if you had to come up with, say, an extra 10% of your budget to pay medical bills, where would that money come from? Savings? Credit Cards? How much of a hardship would that be, and how would it impact your lifestyle and future?  ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Quality Health Insurance Covers a Wide Spectrum of Care ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"While health insurance is particularly valuable when seeking care for a serious condition, quality health plans provide coverage for a wide range of medical services, including:    ","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://palig.com/en/us/wellness-hub/t/screening-tests"},"content":[{"nodeType":"text","value":"Preventative care","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" – including routine examinations, vaccines, etc. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Treatment for temporary illnesses and injuries   ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Chronic disease management   ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Emergency and urgent care   ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://palig.com/en/pa/wellness-hub/t/mental-health"},"content":[{"nodeType":"text","value":"Mental health treatment/substance abuse   ","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":"  ","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":" In fact, many health insurers are placing increased emphasis on preventative care/wellness benefits, because they are highly effective at ensuring long-term well-being.   ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"You May Be Required to Have Health Insurance  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Because healthcare is so important, many countries require their residents to have it. Some also require employers of certain sizes to offer it to their workers. And in other countries, public or government-backed programs provide healthcare directly to its citizens.   In most countries, health insurance is closely regulated—although those regulations vary widely. For example, you may be required to carry a basic level of coverage, although more extensive policies are also available.   ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Obviously, it’s important to know what’s required of you, as well as how to obtain health insurance in your area.  ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Where to Get Health Insurance: Know Your Options  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"There are several ways to obtain health insurance, and these options vary depending on where you live. Some of the most common ways to get health insurance include:  ","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"entry-hyperlink","data":{"target":{"sys":{"id":"5O4Oh1Vyf2YVESuHv7NVGO","type":"Link","linkType":"Entry"}}},"content":[{"nodeType":"text","value":"Employer-sponsored Group Plans","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"text","value":" - These are offered by employers or professional associations. Often, they provide more comprehensive coverage and lower premiums, because the risk is spread across a group of people. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Government Programs","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" - Many countries offer government-sponsored insurance or subsidies—often provided via an online insurance marketplace or exchange. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"entry-hyperlink","data":{"target":{"sys":{"id":"7mM6aVNhKRJGG3tXqNY38Y","type":"Link","linkType":"Entry"}}},"content":[{"nodeType":"text","value":"Individual/Family Health Insurance Plans","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"text","value":" - These are designed for individuals and families who may not have access to group insurance, such as the self-employed and those in-between jobs. In many countries, individuals can purchase insurance directly from private insurers such as PALIG or through marketplaces/exchanges.    ","marks":[],"data":{}}]}]}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Where to Find Health Insurance Guidance  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Obviously, there is much more to know about health insurance, including its key components—like deductibles and copays—how to choose a plan, and how the application process works.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"At PALIG, our experienced agents are here to help you increase your understanding. We offer a range of individual and group health insurance plans in many countries. Your local agent can tell you what’s available to you and guide you through the applicable process.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"entry-hyperlink","data":{"target":{"sys":{"id":"pageSlugRef-contactustest","type":"Link","linkType":"Entry"}}},"content":[{"nodeType":"text","value":"Contact a local agent, today \u003e\u003e ","marks":[],"data":{}}]},{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]}]}},"title":"Why Health Insurance Is Important "},"tagsCollection":{"items":[{"name":"Insurance Solutions"},{"name":"Health Insurance"}]},"image":{"__typename":"RichImage","sys":{"id":"5QSeLbYNb6DamiutUJij7a"},"link":null,"caption":"Why Health Insurance Is Important","source":"Getty Images","image":{"url":"https://images.ctfassets.net/em61esqt6ro0/5YXvFfzCxx7GvI2Cr6bQEU/9d5412ebb22bbfcd40eccf4f6d2d63ed/Mother_and_child_doctors_visit.jpg","title":"Mother taking daughter to her doctors visit "}}},{"title":"Challenges and Transformation in Healthcare ","publishDate":"2025-06-26T08:00:00.000-03:00","slug":"challenges-and-transformation-in-healthcare","spotlight":true,"description":"Pan-American Life presents a unique strategic guide, \"Health Dynamics and Disease Management in Latin America and the Caribbean – 2025,\" designed to keep you abreast of the latest industry trends.","content":{"__typename":"Article","body":{"json":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The healthcare landscape is changing rapidly, influenced by the rise of chronic diseases, emerging technologies, and the evolving needs among insured individuals. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This report highlights four trends shaping the industry, including advancements in Artificial Intelligence (AI) and robotics, the impact of lifestyle trends, and the growing role of medical super-specialization. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Discover how we are responding with solutions like telemedicine, in-home care, an expansive medical provider network, and preventive health campaigns—all designed to deliver high-quality, accessible care and help you offer greater value to your clients. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://assets.ctfassets.net/em61esqt6ro0/6H4uAcxoKJc6KIZnDxbxFn/2354f7395a4332e28c7896644dfaa007/Health_Dynamics_and_Disease_Management_%C3%A2___2025.pdf"},"content":[{"nodeType":"text","value":" ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"Click here to access the full report.","marks":[{"type":"bold"},{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" ","marks":[{"type":"bold"},{"type":"underline"}],"data":{}}]}]}},"title":"Challenges and Transformation in Healthcare "},"tagsCollection":{"items":[{"name":"Health Guides"}]},"image":{"__typename":"RichImage","sys":{"id":"6n25gjrJZ8ZWInltzWJ85s"},"link":null,"caption":"Challenges and Transformation in Healthcare ","source":"GettyImages","image":{"url":"https://images.ctfassets.net/em61esqt6ro0/3lP4GOANEsvo4c3JixnEjF/a8f23095eec6ee04ac8b9a53547cdee4/GettDinamicas_de_salud_2025yImages-1183002137.jpg","title":"Challenges and Transformation in Healthcare "}}},{"title":"The New Frontier of Health Insurance: Preventative and Proactive Care","publishDate":"2025-06-10T00:00:00.000-04:00","slug":"the-new-frontier-of-health-insurance-preventative-and-proactive-care","spotlight":true,"description":"Health insurance is evolving to prioritize preventative and proactive care, helping insureds stay healthy, reduce costs, and manage chronic conditions.","content":{"__typename":"Article","body":{"json":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"In today’s evolving industry landscape, the concept of healthcare has expanded far beyond simply treating illness. Now, forward-thinking insurers are focused on keeping people healthy from the get-go—and that’s where preventative and proactive care initiatives come in. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"At PALIG, we’ve accepted this challenge. We have an opportunity to do more than cover our members’ healthcare costs. We can actually help protect their health","marks":[],"data":{}},{"nodeType":"text","value":" before ","marks":[{"type":"italic"}],"data":{}},{"nodeType":"text","value":"they require care, improving quality of life, reducing claims and controlling healthcare costs.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"It’s a win-win all around, which is why PALIG is deeply committed to developing and implementing innovative preventative and proactive care initiatives. Here’s what you should know.   ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Defining Preventative and Proactive Care","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"You’re already familiar with preventative care—i.e., vaccinations, screenings and routine check-ups. Many PALIG health plans offer these benefits; you’ve undoubtedly discussed them with prospects and clients.   These services matter because they can help detect health issues early. Or better yet, prevent illness altogether!    But proactive care takes this approach even further. Proactive care programs encourage people to take deliberate actions on a regular basis to maintain their overall health. These often include:  ","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Health education and lifestyle coaching  ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Healthy eating guidance and fitness support ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Stress reduction and smoking cessation programs ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Mental health check-ins and digital well-being tools ","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"In other words, proactive care doesn’t merely nip disease in the bud—it aims to prevent it entirely by encouraging lifestyle practices proven to lower common health risks.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Tackling Chronic Diseases at the Source ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"According to a recent ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://assets.ctfassets.net/em61esqt6ro0/6H4uAcxoKJc6KIZnDxbxFn/2354f7395a4332e28c7896644dfaa007/Health_Dynamics_and_Disease_Management_%C3%A2___2025.pdf"},"content":[{"nodeType":"text","value":"study of PALIG medical claims data,","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" the key driver of healthcare costs in Latin America and the Caribbean has shifted from acute, infectious illnesses to chronic, long-term diseases.   ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"These include heart disease, diabetes and respiratory conditions like Chronic Obstructive Pulmonary Disease (COPD). While they are very serious and can in fact be fatal, they’re also largely preventable—or at the least, very manageable.    ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Take heart attacks. Some risks factors, such as family history, are unavoidable. However, most behavioral risk factors—unhealthy diet, physical inactivity, smoking and alcohol use—can be improved. In fact, according to the ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://world-heart-federation.org/what-is-cvd"},"content":[{"nodeType":"text","value":"World Health Organization","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":", 80% of heart attacks and strokes are preventable, and ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://newsroom.clevelandclinic.org/2021/09/29/90-percent-of-heart-disease-is-preventable-through-healthier-diet-regular-exercise-and-not-smoking"},"content":[{"nodeType":"text","value":"some studies","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" put that figure even higher.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"If you could spare a single friend or client a potentially fatal heart attack or stroke, wouldn’t you try? At PALIG, that’s the thinking that drives our preventative and proactive care programs. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Pioneering Proactive Care Initiatives","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"As you know, PALIG has long embraced traditional preventative care benefits. It’s good business, and it’s the right thing to do. But now we’re also finding ways to help people live longer, healthier lives, leveraging nearly a century’s worth of claims data to shape our efforts. For example, consider these programs.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Early Breast Cancer Detection Campaigns ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Over the last few years, we’ve conducted an effective mammogram campaign in multiple countries. In certain countries, this may include waiving deductibles and encouraging thousands to get screened.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Because of this program, some ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://palig.com/en/us/wellness-hub/p/breast-cancer-sandra-story"},"content":[{"nodeType":"text","value":"tumors were indeed discovered","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":". This allowed members to receive treatment early—a process we facilitated. We intend to expand it into more countries. When it becomes available in your area, this is news you’ll certainly want to share with clients.     ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Chronic Conditions Programs","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Our data tells us the rates of chronic diseases are rising across Latin America and the Caribbean. In response, we’re supporting members with specially developed programs for common chronic conditions, including diabetes, hypertension and cancer. These programs offer one-on-one coaching, psychological support and ongoing medical guidance to help members best manage their particular health challenge. The results to date are very promising.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Employer-Driven Wellness Partnerships","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Our employee benefits solutions give us the opportunity to reach many employees at once. As a result, we’re working directly with member employers to integrate proactive care into the workplace setting.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"In our experience, employers are eager to share these programs with their workers. Not only do wellness programs boost employee well-being, they also increase productivity and retention—while reducing claims, which helps keep premiums down.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"PALIG’s Online Wellness Hub ","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://palig.com/en/us/wellness-hub"},"content":[{"nodeType":"text","value":"PALIG’s online Wellness Hub","marks":[],"data":{}}]},{"nodeType":"text","value":"—the one you’re visiting right now—gives members access to valuable personalized health content, tools and reminders, tailored to their unique health history.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"It’s proactive healthcare in action, and it’s accessible  on demand at their convenience.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"If you haven’t encouraged your clients to take advantage of our digital platform, now is a great time to do so. Keep in mind: we’re continually adding new data-driven content that just may make a difference to someone’s health.    ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"An Industry-Wide Shift from “Sick Care” to “Well Care” ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"While PALIG is on the forefront of proactive care, we’re delighted to say that we’re not alone.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"While the health insurance industry has long been based on a reactive model—i.e., an insured gets sick, and their health plan covers the cost of their treatment—many insurers are investing in ways to keep their members healthy from the start.    For example, our industry is increasingly focused on expanding preventative care benefits, while developing more effective chronic condition management programs.   It’s focused on leveraging technology in a variety of innovative ways, from identifying at-risk insureds early on to conducting remote patient monitoring through telehealth platforms.   And it’s measuring success in terms that go beyond claims costs, tracking analytics such as:   ","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Participation rates for preventative screenings ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Engagement rates for wellness programs ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Stabilization rates for those in chronic condition management programs  ","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":" In short, it means treating health more like a long-term investment and not a short-term fix—and that’s good news across the board.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Where You Fit In ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"As healthcare grows ever more expensive and complex, preventative and proactive care becomes ever more important. It’s been shown to reduce hospitalizations, lessen the severity of chronic conditions and lower long-term healthcare costs.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"For PALIG agents, it’s a compelling value proposition. You’re in the position to offer your clients more than a quality health plan, but  an opportunity to better health. It’s a wellness journey that benefits everyone, and now’s a great time to start one.  ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Want to learn more about how PALIG’s proactive health solutions can support your clients? ","marks":[],"data":{}},{"nodeType":"entry-hyperlink","data":{"target":{"sys":{"id":"pageSlugRef-contactustest","type":"Link","linkType":"Entry"}}},"content":[{"nodeType":"text","value":"Reach out to your PALIG sales team","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":". We’re here to help.   ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"The information above is intended to provide general information and constitutes a summary of the different product benefits. It is not a contract or agreement. Some products and product benefits may not be available in every jurisdiction where Pan‑American Life conducts business. All products are subject to exclusions and other applicable terms and conditions. ","marks":[{"type":"italic"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Readers are encouraged to consult with their physician or other qualified health care professional to determine the best options and to answer any questions about any medical matter. ","marks":[{"type":"italic"}],"data":{}}]}]}},"title":"The New Frontier of Health Insurance: Preventative and Proactive Care "},"tagsCollection":{"items":[{"name":"Health Insurance Trends"},{"name":"Insurance Solutions Trends"}]},"image":{"__typename":"RichImage","sys":{"id":"2qUAyU5EgLhdzKYnSQhQ0F"},"link":null,"caption":"Team of doctors","source":"Getty Images","image":{"url":"https://images.ctfassets.net/em61esqt6ro0/4h8R5pMLYvAjVoyQdP7Pkq/32fc9b2857cf1ae726162831b8c243d9/Doctors.jpg","title":"Doctors"}}},{"title":"Long-Term Antacid Use and Effects on Nutrient Absorption and the Microbiome","publishDate":"2025-05-05T11:41:00.000Z","slug":"long-term-antacid-use-and-effects-on-nutrient-absorption-and-the-microbiome","spotlight":true,"description":"Despite its favorable short-term safety profile, observational studies have reported associations with adverse effects from long-term use of proton pump inhibitors (PPIs). ","content":{"__typename":"Article","body":{"json":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Gastroesophageal reflux disease (GERD) represents ","nodeType":"text"},{"data":{"uri":"https://bmcpublichealth.biomedcentral.com/articles/10.1186/s12889-023-15272-z#:~:text=Prevalence%20rate%20of%20GORD%20throughout%201990%20to%202019\u0026text=Globally%2C%20prevalence%20cases%20of%20GORD,persons%20per%20100%2C000%20in%202019."},"content":[{"data":{},"marks":[],"value":"a major medical and financial burden","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" for countries and health systems. Worldwide, cases have risen from 441 million to 784 million in the last three decades, generating not only an incredible cost in terms of doctor’s visits, diagnostic tests, and treatments but also the explosion of a million-dollar industry of over-the-counter drugs to treat its symptoms.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Latin America and Central America have some of the ","nodeType":"text"},{"data":{"uri":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9122392/"},"content":[{"data":{},"marks":[],"value":"highest rates of GERD","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" in the world, with more cases in women.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"In addition to its pervasiveness, new studies are tackling questions about antacids that treat the most common symptom of GERD, heartburn. For many scientists, many of ","nodeType":"text"},{"data":{"uri":"https://www.tandfonline.com/doi/full/10.1080/14740338.2023.2238592"},"content":[{"data":{},"marks":[],"value":"these questions","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" still lack clear answers. For example, how safe are these medications? And who should use them?","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Proton pump inhibitors (PPIs) are primarily indicated to control GERD, eradicate Helicobacter pylori (in combination with antibiotics), prevent NSAID-induced gastrointestinal hemorrhage, and treat peptic ulcers. The ","nodeType":"text"},{"data":{"uri":"https://medlineplus.gov/spanish/ency/patientinstructions/000381.htm"},"content":[{"data":{},"marks":[],"value":"most commonly used","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" PPIs are:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Omeprazole (Prilosec), available over-the-counter (without a prescription)","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Esomeprazole (Nexium), available over-the-counter and with a prescription (depending on the dose)","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Lansoprazole (Prevacid), available over-the-counter and with a prescription (depending on the dose)","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"Researchers say that there is ","nodeType":"text"},{"data":{"uri":"https://academic.oup.com/gastro/article/doi/10.1093/gastro/goad008/7128280"},"content":[{"data":{},"marks":[],"value":"widespread overprescribing of PPIs","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" in terms of indication and duration. Despite its favorable short-term safety profile, there are observational associations of adverse effects with long-term PPI use, including:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Poor nutrient absorption","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Enteric infections","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"Cardiovascular events","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"Since PPIs are widely used, their long-term safety profile is clinically relevant.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"","nodeType":"text"},{"data":{"uri":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8966100/#:~:text=Antacids%20provide%20rapid%2C%20but%20temporary,is%20recommended%20for%20severe%20symptoms."},"content":[{"data":{},"marks":[],"value":"Acid suppression","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" is the backbone for treating heartburn and other reflux symptoms. The World Gastroenterology Organization ","nodeType":"text"},{"data":{"uri":"https://www.worldgastroenterology.org/guidelines/gastroesophageal-reflux-disease"},"content":[{"data":{},"marks":[],"value":"has developed guidelines","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" for community-based treatment of common gastrointestinal symptoms. They recommend antacids, alginates, and histamine H2 receptor antagonists (H2RA) as over-the-counter treatment options for infrequent, mild, or moderate heartburn symptoms.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Antacids provide quick, temporary, short-term relief for heartburn. But experts say that they are used with little—or no—medical oversight.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"An analysis by Cleveland Clinic stresses that for most patients, the first step to treat GERD symptoms should be ","nodeType":"text"},{"data":{"uri":"https://cpdcentre.co.za/wp-content/uploads/2021/05/ARTICLE-Young-2020-GERD_-A-practical-approach.pdf"},"content":[{"data":{},"marks":[],"value":"lifestyle changes","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" rather than a pharmacological approach. The article indicates some behavioral habits that can be changed to prevent GERD:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Diet.","nodeType":"text"},{"data":{},"marks":[],"value":" Weight loss can help reduce and eliminate GERD symptoms. A ","nodeType":"text"},{"data":{"uri":"https://pubmed.ncbi.nlm.nih.gov/23532991/"},"content":[{"data":{},"marks":[],"value":"prospective cohort study","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" found that 81% of patients with obesity who completed a structured weight loss program had reduction in GERD symptoms, and 65% had complete resolution of symptoms. Another large retrospective study with over 15,000 patients demonstrated an association between decrease in body mass index (BMI) and improvement of GERD symptoms.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Food.","nodeType":"text"},{"data":{},"marks":[],"value":" Many studies have focused on finding out which foods exacerbate reflux symptoms. Historically, patients are advised to avoid chocolate, carbonated beverages, spicy foods, fatty foods, citrus fruits, mint, coffee, alcohol, and large meals.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Tobacco.","nodeType":"text"},{"data":{},"marks":[],"value":" Not smoking—or quitting—helps reduce GERD symptoms or prevent them from developing. A study found that current smokers were ","nodeType":"text"},{"data":{"uri":"https://bmcgastroenterol.biomedcentral.com/articles/10.1186/s12876-024-03143-9"},"content":[{"data":{},"marks":[],"value":"23% more","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" likely to have GERD than nonsmokers.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Sleeping position.","nodeType":"text"},{"data":{},"marks":[],"value":" Studies have found it helpful ","nodeType":"text"},{"data":{"uri":"https://www.sleepfoundation.org/physical-health/gerd-and-sleep#:~:text=Sleeping%20with%20your%20left%20side,the%20esophagus%20to%20stomach%20acid."},"content":[{"data":{},"marks":[],"value":"to elevate the head of the bed","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":", sleep on your left side, and, for those people with nighttime GERD symptoms, avoid eating 2-3 hours before bedtime. A positional sleep therapy device has been shown to reduce acid exposure times and improve nighttime reflux symptoms. This device helps maintain the person in the correct position, sleeping on the left side, a strategy that appears to have been shown to be effective.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Mental health.","nodeType":"text"},{"data":{},"marks":[],"value":" A study in 9,631 adults between ages 35 and 65 found that people with a diagnosis of depression were ","nodeType":"text"},{"data":{"uri":"https://bmcgastroenterol.biomedcentral.com/articles/10.1186/s12876-024-03143-9"},"content":[{"data":{},"marks":[],"value":"46% more","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" likely to develop GERD.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[{"type":"italic"}],"value":"This story was produced using content from original studies or reports, as well as other medical research and health and public health sources cited in links throughout the article.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"}},"title":"Long-Term Antacid Use and Effects on Nutrient Absorption and the Microbiome"},"tagsCollection":{"items":[{"name":"Providers Newsletter"},{"name":"Digestive Diseases"}]},"image":{"__typename":"RichImage","sys":{"id":"richImage-2bd9a0de3d647268a0524873586ef1f5779a0b17b193622363e8ef"},"link":null,"caption":null,"source":"Getty Images","image":{"url":"https://images.ctfassets.net/em61esqt6ro0/asset-2bd9a0de3d647268a0524873586ef1f5779a0b17b193622363e8ef9b38/7bc955c2ea33cf4d11abe9cf91caa554/65d5e29b7cb6464b1b7fc144-1708515995_2C383.jpg","title":"65d5e29b7cb6464b1b7fc144-1708515995%2C383.jpg"}}},{"title":"Does Your Stomach Hurt? 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