My friend Judy has a little girl named Sarah.  She was playing outside one day with her friends on a trampoline.  All of a sudden one of her little buddies came running into the house screaming “Sarah can’t breathe.”  Her mother went tearing out of the house to see Sarah clutching her chest and crying “It hurts, it hurts”.   Wow.  Can you imagine?  Thank goodness Judy has great medical insurance.  Stop and think about that for a moment.  What if that was your child and you didn’t have any medical insurance?  What would you do?  Would you comfort your child and tell him/her not to cry but we can’t go to the hospital?  Or, would you take your child to the hospital and struggle for many years to pay the massive bills because you didn’t think you really needed medical insurance?  After all, everyone’s healthy, right?  People tell me that all day long when they are shopping around for health insurance quotes.  “I don’t really need any medical insurance.  My family is healthy.  Medical insurance isn’t for when you are healthy.  It may help you to stay that way with well care visits, but medical insurance is for the unknown.  Medic al insurance gives you peace of mind.

By the way, in case you were wondering, my friend Judy’s daughter Sarah was ok.  She had a bruised rib.  This hurt like crazy.  She took her to the Emergency Room at her local hospital.  That little visit only cost about $5000.  She was lucky.  She has a great plan with BlueCross/BlueShield of Florida that has a $250 deductible and then pays 90% and she pays 10% till she meets her maximum out of pocket of $2500.  Judy had to pay the $250+$475 for her co insurance for a total from her of just $725.  And, she wasn’t beside herself with worry.  She had medical insurance and didn’t need to worry how she would pay for everything if something was wrong with Sarah’s heart.

In an article from Dr. Jeffrey Boris, a cardiologist and associate of pediatrics at the University of Pennsylvania School of Medicine, said there ways parents can determine if a child’s chest pain is cardiac-caused and needs urgent attention.  One technique is to push on the chest wall, and if the pain is reproducible, it’s not a heart problem.  Also, if the chest pain episode is brief, or if the child can move around and participate in activities, it’s not cardiac related.