If you get injured this Halloween, look to your consumer directed healthcare (CDH) account to take the scare out of treating your boo-boo.
Halloween is magical! All week long, people get festive by decorating their houses and lawns, carving pumpkins, and dressing up in their favorite costumes. However, when someone gets injured, Halloween can be a little frightening.
According to a 2012 State Farm analysis, children were found to be twice as likely to die on Halloween than any other day of the year as they trick-or-treat along our streets. The NHTSA did a study showing that Halloween drunk-driving fatalities are on the rise. Children’s allergies are becoming a greater concern. And of the 4,500 Halloween related injuries reported between October and November of 2017, 41% were related to pumpkin carving.
CDH Accounts to the Rescue
But don’t be afraid! If you or a loved one sustains an injury that requires an emergency room visit, you can use your Flexible Savings Account (FSA), Health Reimbursement Arrangement (HRA), or Health Savings Account (HSA) to help cover some of the cost. According to the Medical Expenditure Panel Survey, the average cost of an ER visit in the United States is $1,010. If you add medical inflation, the 2021 cost estimate is roughly $1,091. Other costs, such as ambulance services and x-rays, or first aid supplies for your home, can also be covered by the set aside funds in your employer-sponsored benefits account.
With a CDH account, the cost of treating an injury doesn’t have to be frightening.
Tips for a Safe Halloween
The American Academy of Orthopaedic Surgeons (AAOS) and the Pediatric Orthopaedic Society of North America (POSNA) urge celebrants of all ages to put safety first:
- Adults should accompany children ages 12 and younger
- Walk on sidewalks and avoid cutting across lawns and driveways
- Wear flame-resistant, properly-fitted costumes
- Wear comfortable, slip resistant shoes
- Approach houses that are well-lit
- Carry a flashlight and wear reflective tape
- Be aware of neighborhood dogs
- Carry a cell phone in case of emergency
If you’re carving a pumpkin, use a kit or tools specially designed for carving as these can help decrease the incidence of cutting your hand. In addition, children should be under careful adult supervision when carving a pumpkin.
Have a safe and fun Halloween!