Remember how much fun it was to dress up in costumes on Halloween when you were a kid?  It’s important to keep kids safe and still let them enjoy the fun of Halloween.

There are some new rules in individual Medical Insurance policies that you should be aware of.  Emergency Rooms are not the place to go unless you have a situation that would require surgery or hospitalization.  The reason for that is because most Medical Insurance providers now charge a facility fee for going to the ER if you are not admitted or don’t have surgery.  Depending on the Medical Insurance provider that fee can range from a couple hundred dollars up to fifteen hundred dollars.  When getting Health Insurance Quotes, be sure to ask the broker what the facility fee is for the ER if not admitted.  Also, remember, that the facility fee applies each and every time you go to the ER.  Your Medical Insurance carrier is going to charge this fee even if you have met the deductible and co-insurance.

A much better choice for minor injuries and ailments would be an urgent care center.  Many are open 24/7 especially in larger metropolitan areas.  Most Medical Insurance policies offer you a co-pay at the urgent care center very similar to wh at you pay at the doctors office.  Also, they can treat a lot of conditions.  Just use your head.  If someone has a compound fracture, take them to the ER.  Remember to check your Medical Insurance policy to see what the deductible is because you will be responsible for that.  Perhaps you are looking for a Medical Insurance plan for your family.  Insurance Medics carries BlueCross/BlueShield of Florida and they have family Medical Insurance plans with deductibles starting at just $250.  Give us a call and we’d be happy to provide you with some health insurance quotes.  No obligation!

From the CDC here are some tips to having a safe and happy Halloween:

Swords, knives, and similar costume accessories should be short, soft, and flexible.

Avoid trick-or-treating alone.  Walk in groups or with a trusted adult.

Fasten reflective tape to costumes and bags to help drivers see you.

Examine all treats for choking hazards and tampering before eating them.  Limit the amount of treats you eat.

Hold a flashlight while trick-or-treating to help you see and others to see you. Always

WALK and don’t run from house to house.

Always test make-up in a small area first.  Remove it before bedtime to prevent

possible skin and eye irritation.

Look both ways before crossing the street.  Use established crosswalks whenever


Lower your risk for serious eye injury by not wearing decorative contact lenses.

Only walk on sidewalks whenever possible, or on the far edge of the road facing    traffic to stay safe.

Wear well-fitting masks, costumes, and shoes to avoid blocked vision, trips, and


Eat only factory-wrapped treats.  Avoid eating homemade treats made by strangers.

Enter homes only if you’re with a trusted adult.

Never walk near lit candles or luminaries.  Be sure to wear flame-resistant costumes.


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