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Most people don’t often think about the risks involved in everyday activities, like riding a bike. Yet, even simple actions can carry unexpected dangers. While you may not consider extreme sports, cycling still involves a level of risk that many overlook. It's natural to ignore these risks when we enjoy what we're doing, especially when the chances of something bad happening seem low. But the reality is that accidents can happen, and they can have serious consequences—both physically and financially.
As a cyclist, your chance of ending up in the emergency room is higher than someone who spends their time on board games or other low-risk hobbies. And if you’re not properly insured, a single accident could lead to devastating financial burdens. Medical bills for common injuries like broken bones or concussions can quickly add up. A clavicle fracture alone can cost over $17,000, while an average hospital stay can run around $10,000. Even with health insurance, you might still be left with significant out-of-pocket costs.
Healthcare policies are complex, filled with terms and conditions that can be hard to understand. Many people assume their insurance covers everything, but there are often hidden gaps. For example, surprise medical bills can occur if you visit an out-of-network provider, or if your policy has high deductibles and coinsurance. That’s why it's crucial to know exactly what your plan includes and excludes.
Understanding your health insurance is key to protecting yourself. Terms like premium, deductible, copay, and coinsurance all play a role in how much you’ll pay out of pocket. Some plans may offer lower premiums but require you to pay more when you need care. Others may have higher premiums but provide better coverage. It’s important to review your policy each year, especially if you switch providers.
There are also supplemental insurance options designed to fill the gaps in your primary coverage. Gap insurance, short-term disability, and specialized policies like Velosurance’s medical payments can help cover expenses that your main health insurance doesn’t. These options are affordable and tailored to specific needs, making them ideal for cyclists who want extra protection.
For instance, if you suffer a minor injury like road rash, your health insurance might not cover it if you haven’t met your deductible. But with medical payments coverage, you can get reimbursed for those costs. In the case of a more severe injury, such as a broken collarbone, the remaining bill after insurance could still be a burden. Medical payments coverage helps ease that financial pressure.
Ultimately, being a cyclist means taking on some level of risk, and it’s wise to prepare for the unexpected. Whether through comprehensive health insurance, supplemental policies, or specific coverage like Velosurance, having the right protection can make all the difference. Don’t wait until an accident happens—take steps now to secure your financial future and peace of mind.