Before you head out to the beach, pool or lake this summer take a quick look at your Medical Insurance.  For example if you have a High Deductible Health Plan with a deductible of $5000 and co insurance of $5000 you have a maximum out of pocket of $10,000.  The Health Plans that I am familiar with also usually have an emergency room facility fee of $500 which is payable only if you are not admitted or do not require surgery.  If you should have an accident that required emergency services just remember you probably will have some financial responsibility for your medical care beyond your monthly Health Premiums.  Now might be a perfect time to give a thought to buying accident insurance.  Its dirt cheap and will pay you cash so you can pay the deductibles in case something happens that you wished had not.  Senior health plans like Medicare Advantage usually have a $50 emergency room fee.  Accident insurance could also help them with any unexpected out-of-pocket expenses like help around the house after a broken leg for example.

So many things can happen at the beach, pool, or lake and they are usually totally unexpected. For instance let’s say you are visiting your cousin Larry at his cabin on the lake.  Off to some early morning fishing and you end up with a nice big fish hook in your hand.  Maybe you are showing off your swan dive on the high board at the local swimming pool.  Except you hit the board instead of the water.  Diving in the ocean?  You see a large something in the water heading right for you?  Don’t even want to go there.  The point is that a lot of stuff can happen in the good ‘ole summertime that you certainly were not expecting.  Thats why it is so important to always be insured.  To give you peace of mind when life’s’ little emergencies show up.

AskMen has a great summer health care guide.  Here are some highlights:

  • •Avoid the sun between 10 a.m. and 2 p.m., when UV light is most intense
  • •Drink lots of water well before and during activity
  • •Learn to recognize poisonous plants and stay away
  • •Apply calamine lotion or Burrow’s solution to plant rashes
  • •Avoid exercise, coffee and alcohol in extreme heat
  • •For insect stings apply an ice pack to a bite/sting for 15 to 20 minutes once an hour for the first 6 hours