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| We want you to stay safe on the trails this summer. |
My husband and I were driving through the country today when we saw people riding a moped. They were wearing helmets, but their arms and legs were bar, as they were enjoying the unseasonably warm weather.
"Oh, all I can think about is all the chaffed skin if they crash," I said.
"They say that when it comes to motorcycle crashes, it's not if it happens, but when it happens," my husband replied.
"Sounds kinda like horseback riding," I quipped.
Horse accidents happen to the best of us, so it's important to be prepared when they do. I know that not everyone can afford a full-blown health insurance plan, but many of you may not know about something called catastrophic health insurance. This is insurance that is generally cheaper than a regular policy because it has a high deductible. The point of catastrophic insurance is not to help with day-to-day check ups, but to protect you when the unexpected happens.
Many of my horse friends have Life Flight coverage and Good Sam-type coverage as a precaution. Catastrophic health insurance is just another form of protection for those of use who enjoy high-risk activities.
To find out what options are available for you, contact a local health insurance agent. You can find one online or in your phone book. You can also visit eHealthInsurance.com for basic information.
A coworker reminded me about this type of coverage when I told her about a recent horse-related accident, and I thought it's something every one should know about. I'll get back to the fun stuff, soon. I promise!
