Most travel agents are very familiar with different types of insurance policies for medical coverage.

Many of our independent agents perceived us as lagging behind other insurance companies in technology. There is a lot of competition, especially in commercial lines, from national carriers that have bigger technology budgets than we do, which could potentially result in adverse selection by our agents.

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Part of the problem is her parents live in Taiwan and she only has the Rutgers Medical Insurance. They can't transport her back to Taiwan because she is in such serious condition.

[Karen Lundegaard] was quite frail, debilitated by metastatic breast cancer, which she had long known she had but for which she had been unable to get adequate treatment because she lacked medical insurance. ("If you mention anything about me," she said, "tell people that.")

One common mistake that people make is they think that they're checked-in for the flight if they've simply checked their bags and that's not always the case.