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 2010 study in the journal Pediatrics, Halloween is the holiday with the fourth highest number of emergency room visits. During the autumnal festivities, finger and hand injuries account for the greatest proportion of injuries, a third of which are lacerations and one-fifth are fractures. And children ages 10-14 are the most likely to experience a Halloween-related injury!
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. The average cost of an ER visit in the United States is $1,233. 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!