Have you ever tried to walk on one foot?  Can’t do it can you.  Unless you hop.  I don’t think most of us would get thru much of our day hopping around on one foot.  I think it would be really difficult to go up and down stairs too.  A stress fracture happens with overuse.  The muscles become worn out and transfer their fatigue to the bone causing a tiny crack in the bone called a stress fracture. Stress fractures occur mostly in the weight bearing bones of the lower leg and the foot.

Do you think it’s possible that you may have a stress fracture in your foot and you thought you just might pick up some Medical Insurance?  Maybe you have found a plan you like and you plan to submit an application for Medical Insurance.  It looks like a great plan to you and besides you have been too long without Medical Insurance.  By golly, something could actually go wrong and where would you be without Medical Insurance and you having to pay all the bills yourself?  Hold on there for just one second.  I have some bad news.  Most likely you will not be eligible for any Medical Insurance until the stress fracture has healed.  This could take months.  You may be wondering why you are not eligible.  After all it’s manageable.  It’s not like you have to have surgery or something.  Here’s why.  There is a question on all Medical Insurance applications that says something like “in the last 6 months have you sough t medical treatment of any kind?”

The reason they ask that question is because Medical Insurance carriers will not pay for any injuries or illnesses you received before you bought the Medical Insurance.  It’s sort of like this.  Let’s say that you buy a used car and it has a dent.  You buy insurance for the car.  You get in an accident and get another dent in the car.  Your automobile insurance carrier will pay for the new dent (most likely) but not the old one.  Same deal with Medical Insurance…. a new stress fracture they’ll pay for.  Old stress fracture, probably not.  If you persist and apply anyway, the Medical Insurance carrier will most likely decline you.  Until the stress fracture has healed and all medical treatment for the stress fracture has stopped for at least 6 months. That leaves you paying all the bills for the injury yourself with no Medical Insurance to ease your burden.  Moral:  don’t go without Medical Insurance.

It’s great that you like to work out, but working out with no Medical Insurance could leave you vulnerable.  Here are some tips from healthfinder.gov about stress fractures. “Stress fractures are common overuse injuries, and may take lots of time to fully heal.  The American Academy of Orthopedic Surgeons suggests how to help reduce your risk of stress fractures:

  •  Set incremental exercise goals, with gradual increases in intensity and duration
  •  Cross-train, to avoid too much strain on one particular area of the body
  •  Eat a balanced, nutritious diet that’s rich in vitamin D and calcium
  •  Use running shoes with a sufficient support. Make sure sporting gear isn’t worn out
  • Immediately stop exercising and rest for a few days if you notice swelling or pain.”

Medical Insurance