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Science tells us that too much sunshine can be very harmful to anyone. This can make your time in the sun a serious medical risk.

Sun exposure can cause serious physical harm should people not protect themselves. It might lead to dehydration, severe sunburn, and infection. Prolonged exposure to sun can even raise an individual’s risk for skin cancer down the road.

Health Insurance and Skin Risks

Health insurance can usually help if you become ill after sun exposure. Should issues like burns, sun stroke or sun poisoning arise, your health insurance should cover treatment.

Furthermore, most insurance plans allow policyholders to receive skin cancer screenings annually. You usually only have to pay small fees or co-pays to receive the services. Many care providers offer skin cancer screenings for free to all their patients.

These screenings are mostly non-invasive and come with minimal risks. If a doctor detects areas of concern on your skin, he might recommend you see a dermatologist or other specialist for follow up care. The specialist will more than likely accept your insurance.

Health insurance goes a long way to help you reduce health risks following sun exposure.

Protecting Yourself from the Sun this Summer

Even though you have health insurance, you still need to protect your skin. Before you head outside in the sunny summer weather, take the time to prepare:

  • Invest in a strong, reliable sunscreen. Most whole-body sunscreens come with a minimal SPF 30 ranking. Make sure you cover your shoulders, back, legs and face with the sunscreen. Never forget to re-apply sunscreen periodically.
  • If you have skin conditions or certain illnesses, use a high-SPF sunscreen and limit your sun exposure. Take plenty of breaks in a shaded place.
  • Some moisturizers come with sunscreen additives as an extra layer of skin protection. These moisturizers can help protect you even when you spend minimal time in the sun.
  • Always wear a hat and sunglasses during long periods of sun exposure. Some people even wear long sleeves to better protect their arms.
  • Stay hydrated during your time outdoors. Drink water or a drink that provides strong hydration and electrolyte support. Sugary, carbonated beverages and alcoholic drinks can sometimes dehydrate you. Remember to supplement your hydration and nutrition while in the sun.

With the right care, you won’t have to worry about going to the doctor because of too much sun exposure. However, your health insurance is likely an asset should you need it.

First Independent has your insurance needs in mind. One of our agents can help you get a fast, free policy quote right now. Call us at  (586) 247-2220 for more information.

Posted 3:55 PM  View Comments

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