That statistic is from Family Education. Drowning is the second leading cause of unintentional deaths for children aged 1 to 14. Near drowning accidents can be devastating and even result in catastrophic brain injuries. Some estimates of treating catastrophic brain injuries top off at around a million dollars. I cannot tell you the numbers of good, loving parents that will tell me that their children are basically healthy and can probably get by without any Health Plans to protect the ones they love the most. A reasonable person might think that it’s really not that big a deal. The kids get a few checkups a year and they can handle the expense of that just fine themselves. However, they are forgetting what major medical insurance is really all about. It’s not about doctor co-pays, or prescription co-pays or even lab work.
Major medical insurance is about all the major, awful unexpected things that can happen. You can budget a well care visit. How do you budget a million dollar brain trauma bill? Let’s just say that in order to keep the Health Insurance Premiums affordable you have a high deductible plan and the deductible is $10,000. If something unplanned happened (like a million dollar brain trauma) do you know how grateful you would be to pay those Health Premiums so that the carrier can pick up the remaining $990,000 of the bill? Not to mention the peace of mind that comes with knowing that your baby would get the best of care.
It’s all well and good to have flotation devices for your children to swim with. But, I would bet you my last dollar that not a single baby that fell into a pool had a flotation device on. Babies need to be taught survival swimming. Survival swimming from the website Infant Aquatics is “the ability to float and breathe, regardless of the water’s depth, for an indefinite period of time.” Here is some more of what they have to say. “The most essential skill we will teach your child is to roll from a face-down position in the water to a face-up independent back float. Infants and toddlers cannot raise their heads to take a breath. If your child falls face down into the water, knowing how to roll onto a face-up back float can save a life! If your baby is walking, then he/she can also learn to swim to the pool edge or steps, rolling over to breathe whenever air is needed.”
Most likely these lessons will have to be repeated every swimming season until your child is about 3 or 4. Survival swimming sure beats a flotation device when it comes to peace of mind just like making sure you have medical insurance for all of life’s unexpected challenges will also give you peace of mind. Give us a call at Insurance Medics if you could use some peace of mind.