Posts Tagged - ‘injuries’

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Athletes Struggle To Find a Health Insurance Plan

Tuesday, October 26th, 2010

Image: Studio Finch under CC 3.0

Intuitively, most marathon runners and other serious athletes would be a good bet for health insurance plan providers. They are extremely fit, making them less likely to develop chronic health conditions like diabetes. On the other hand, they are actively working towards better health.

However, there’s a catch in that model of an ideal investment: injuries. So far, health insurers have reserved the right to deny coverage based on pre-existing conditions, and a severe injury or accident could qualify. Either the policy will cover everything except treatment related to the injury, or they will be denied a policy altogether. (The healthcare reform law looks to end this in 2014.) In addition, even minor sprains or other injuries require doctor’s and hospital visits, driving up health insurance costs.

On the bright side, many distance runners buying individual health plans tend to be on the young side, making their coverage cost less.

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Injuries in the Comfort of your Home

Wednesday, February 24th, 2010

You may feel pretty safe once you’re off the busy roadways and in the comfort of your home, but the reality is people hurt themselves at home all the time. According to USA today, In 2008, nearly 1,500 people found themselves in U.S. emergency rooms after run-ins with treadmills, weights, elliptical machines and other exercise equipment, according to the Consumer Products Safety Commission. And those were just the reported cases. The real number probably is closer to 50,000, the agency says.

This is where medical health insurance comes into play. In the event you wind up in a similiar scenario, at least you won’t have to worry about how you’ll cover the medical bill. Many uninsured individuals end up paying a hefty medical bill on their own.

If you don’t exercise much, you’re not exempt from such accidents. “Injuries can occur with everything we do in life, including rolling out of bed,” says Henry Williford, an exercise scientist at Auburn University in Montgomery, Ala. “The benefits of exercising far outweigh the risks.” Just be sure you have protection through an inexpensive health insurance policy.

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