As a long time in-line skater I can tell you… it’s a blast!  In order to have some peace of mind while enjoying this wonderful sport I recommend that you read your health plans and understand how your deductible works. I would also suggest an accident policy.  If you have a High Deductible Health Plan to keep the health insurance premiums lower an accident policy makes perfect sense. And, they are very cheap.  Call insurance medics for a no obligation Health Insurance Quotes. If you make a claim they send the pay out to you in cash to use as you wish. For instance let’s say someone falls and breaks a finger.  The accident policy will send you cash and you may pay the ER charges with the money.   Lots of seniors also enjoy inline skating.  Mature skaters with Medical Insurance and Medigap coverage do not need an accident plan.  Not all skaters experience accidents with injuries.  Just the ones that don’t wear any equipment.

Do not take my word for it about the safety equipment.  The U.S. Consumer Product Safety Commission says “Skate but skate safely – always wear safety gear.”  Now you know your Uncle Sam just wants the best for you.   They a lso had this to say. “In-line skating can be hazardous if skaters do not wear helmets and other safety gear or do not learn to skate properly.  CPSC estimates that approximately 100,000 consumers annually receive hospital emergency room treatment for injuries associated with in-line skates.  Most injuries were to wrists, arms, and legs. CPSC recommends the use of safety gear to help prevent injuries with in-line skates.  A helmet, elbow pads, wrist guards and gloves should always be worn.”  Personally, I don’t think you need the gloves unless you are playing hockey.

Additionally, the CPSC said skaters should observe these skating tips:

  • Get instruction.  Learn to stop safely by using the brake pads at the heel of most in-line skates.  With one foot somewhat in front of the other, raise the toes of the front foot and push down on the heel brake.
  • Skate on smooth, paved surfaces without any traffic.  Avoid skating on streets, driveways, or surfaces with water, sand, gravel, or dirt.
  • Do not skate at night – others can’t see you and you can’t see obstacles or other skaters.

There are lots of fun, safe places to skate.  Parks in cities often have trails for skaters. Some hotels that cater to families offer skate parks.  Have fun and don’t forget to wear your equipment.

Medical Insurance

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