A zombie apocalypse. We all fear it (if you don’t, please play along). Such a catastrophe would create panic, injuries … and lots of insurance claims. Since today is Halloween, I thought this might be a great time to talk about what your health insurance may cover should you be attacked by the undead.
Health insurance policies today cover a wide variety of treatments, procedures, and wellness visits, from preventive care to emergency room trips.
Your health plan might not cover zombie attacks, per se, but the Affordable Care Act (ACA) mandates that it cover preventive care, such as immunizations … so if you get cut on a rusty nail as you flee the zombies, your tetanus shot (which is covered) should help protect you. The secret zombie virus vaccine that the government has isn’t covered (it’s experimental), but here’s a helpful website for vaccines where you can check out which shots you should have.
Potential zombie hazards
During a zombie attack, avoid getting bitten. As everyone who’s ever watched a zombie movie knows, there’s no easy cure once you’re infected. Sadly, at this time there is no screening for zombie infection, but the ACA does require your health plan to cover preventive screenings for blood pressure, depression, obesity, HIV, and more. Keep that in mind for later, after you escape the shambling horde.
If you have to jump through a window to escape a pack of zombies, you can get your lacerations treated at urgent care. If you use an in-network provider, you will pay less out of pocket for your stitches. You will have to pay your deductible, but then your coinsurance kicks in. The costs associated with an out-of-network provider can be absolutely terrifying, so avoid that scary situation if at all possible.
Should a gang of zombies force you to leap off a balcony or a low roof, limp to urgent care or the emergency room as quickly as you can and get that sprain or fracture checked out. Again, you will have to meet your deductible before your coinsurance starts to pay a portion of your health care bill. Your medical care could be expensive, depending on how badly you’re hurt, but your policy will save you a bundle of money.
If you succumb to a mob of zombies, are infected with the zombie virus, and turn into a zombie, that probably counts as dying (I don’t know for sure, but you’d think so). That means you’d no longer be eligible for benefits under your health plan (but your family could cash in your life insurance policy!).
Play it safe
If you plan on staying safely at home this Halloween, try not to overindulge in the sweets. Candy is tasty, but it’s full of empty calories. Encourage your kids to keep their sweet teeth in check, too. Have a safe, healthy Halloween!
For more health insurance tips, information, and money-saving strategies, visit the WPS Learning Center, where you’ll find articles on preventing illnesses, making smarter health decisions, and other helpful topics. To ask a question or request a quote for a new 2014 ACA-compliant individual or family health plan from WPS, call 1-800-811-1670 to talk with a non-zombie representative today.