Holiday safety with construction hat

Protect the Children in Your Family this Holiday Season with Safe Toys and Gifts

As you prepare to hit the stores this holiday season, Prevent Blindness America, encourages you to consider your choice of gifts. This non-profit group is dedicated to advocating for healthy vision and has declared December as Safe Toys and Gifts Awareness Month to help adults make smart purchase decisions.

Consider these stats:

  • Hospital emergency rooms treated an estimated 265,000 toy-related injuries in 2012 throughout the United States1.
  • 72% were people less than 15 years of age1.
  • Close to 90,000 were people less than 5 years of age1.
  • Each year, thousands of children aged 14 and younger suffer from eye injuries and even blindness from toys2.

Understandably, you are likely excited to indulge your children as well as children in your family.

However, Prevent Blindness America urges you to keep important safety guidelines in mind as well as the age range for toys you purchase:

  • Read all warnings and instructions on the box.
  • Consider if the toy is appropriate for your child’s ability and age.
  • Avoid purchasing toys with sharp or rigid points, spikes, rods, or dangerous edges.
  • Check the lenses and frames of your children’s sunglasses; many can break and cause injuries.
  • Buy toys that will withstand impact and not break into dangerous shards.
  • Look for the letters “ASTM.” This designation means the product meets the national safety standards set by ASTM International.
  • Avoid toys that shoot or include parts that fly off.
  • Inspect toys for safe, sturdy construction.
  • Fix or throw away broken toys.
  • Keep your young children away from toys meant for older children.
  • Make sure your children store toys properly after play to avoid risks or falls.
  • Supervise your children’s craft projects (scissors and glue can be extremely dangerous to a child’s eyesight).
  • Have your children wear the right eye protection for sports (face shields, helmets, eyeguards).

Make recommendations to your family and loved ones this holiday season when it comes to toys and gifts you feel are safe and appropriate for your children. It may feel as if your concern is gratuitous, but taking extra precautions may help prevent an injury and will help you enjoy the holidays in your home, not in your local urgent care center or emergency room.

 

With our leading edge tools and technologies, we’re upgrading how you experience your choice of coverage.

Stay tuned to our next blog post!

Click here to join our Facebook community for more information about your health and your healthcare coverage.

 

Sources:

1: “Safe Toys and Gifts Awareness Month.” Prevent Blindness America. https://www.preventblindness.org/safe-toys-and-gifts-awareness-month

2: “Safe Toy Checklist.” Prevent Blindness America. https://www.preventblindness.org/safe-toy-checklist

This blog is for informational purposes only, and is not intended to provide any purchasing recommendations. Before making any purchasing decisions, review any policy exclusions, limitations, benefits, and costs. We encourage you to speak with a licensed insurance professional regarding your specific needs.

Family sitting by fire during Open Enrollment

Open Enrollment is Coming to Town: Holidays and Your Loved Ones’ Health

The holiday season and Open Enrollment have arrived, and so have opportunities to spend time with your loved ones. Food, laughs, and gifts are likely on your agenda, but something else – something more important – may be as well: protecting the health of your loved ones.

Maybe you’re catching up with Aunt Linda who is facing an illness after losing her job. Maybe you’re hanging out with your roommate Ruben who has a pre-existing condition and can’t afford major medical coverage. No matter who you’re talking to, the topic of healthcare is likely to arise . What do you know about your available coverage options? Let’s take a look at some of the features you and your loved ones can take advantage of:

Limited Medical Coverage

  • Helpful if you (or a loved one) are anticipating rising medical expenses, are unable to afford major medical, are not eligible for short-term medical, and/or are looking for supplemental coverage to major medical plans
  • Guaranteed issue coverage if eligibility is met and available in state
  • Premiums often lower than major medical
  • Benefits such as $50-$100 paid toward doctor and specialist visits available
  • Not required to use a network of doctors – freedom to see any doctor or visit any facility of your choice (*Note: you may still exceed eligible benefit)
  • Preventive care available for as low as $50
  • Next day coverage available or little to no waiting periods for accidental injuries or sickness
  • 12 month waiting period for pre-existing conditions (limitations and exclusions may apply)
  • Does not count as minimum essential coverage required by the Affordable Care Act and is not suitable to serve as sole medical coverage

Short-Term Medical Coverage

  • Helpful if you (or a loved one) are facing life-altering transition periods such as pre-Medicare retirement, change in employment status, rolling off parental or student insurance, bridging a gap in major medical coverage or if you missed Open Enrollment (This coverage is designed solely to provide healthcare coverage during unexpected coverage gaps)
  • Flexibility in coverage length and cost (coverage duration varies by state and is non-renewable)
  • Variety of deductible and coinsurance options
  • Low copay options for in-network benefits
  • Limited preventive care available
  • Ability to cancel at any time without penalty (benefits may be limited and subject to exclusions and restrictions)
  • Does not cover pre-existing conditions
  • Coverage is not guaranteed
  • Not intended to be a replacement or alternative to ACA or other major medical plans and does not provide the minimum essential health benefits that are required; may result in a tax penalty.

ACA Coverage

  • Helpful if you (or a loved one) are seeking major medical but may not be able to afford it, have a pre-existing condition, and/or need a broad array of health benefits
  • Option to change plan every year and to stay on policy as long as needed
  • Renews annually
  • Provides coverage for pre-existing conditions; you can’t be rejected based on health
  • Provides preventive care
  • Provides the option for subsidies to lower costs
  • Provides minimum essential health benefits
  • Must enroll during the Open Enrollment period, the Special Enrollment period, or when a qualifying life event occurs

Critical Illness Coverage 

  • Helpful if you (or a loved one) are seeking an added layer of financial protection in the face of critical health concerns
  • Pays benefits directly to you or your designee(s)
  • Benefits can be used to pay living expenses such as mortgage, rent, and car payments as well as prescriptions, copays, medical bills, and a myriad of other costs
  • Benefits available up to $50,000
  • Limitations and exclusions may apply
  • Little to no waiting period

Talk to your loved ones this holiday season about Open Enrollment, their health concerns, and their current coverage. You’re already adding extra layers of clothes to stay warm; now may be a good time for you and your loved ones to consider adding extra layers of coverage to stay protected from potentially costly health events.

 

With our leading edge tools and technologies, we’re upgrading how you experience your choice of coverage.

Stay tuned to our next blog post!

Click here to join our Facebook community for more information about your health and your healthcare coverage.