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On Socamom®, an award winning Caribbean Parenting blog and community, we share the best information on parenting, travel, food, and fun!

I am completely Caribbean when it comes to coughs, colds, rashes and the like. Your belly sick? Bush tea it is. Allergies acting up? Try this ginger tea.

Caribbean Medicine Cabinet Ginger - HealthPlan USA

Related: When Bush Tea and Vicks are Not Enough

But physical things? Bumps, bruises, and breaks? I don’t play with those. With the active kids that I have, I worry about more physical injuries than stomach bugs. Those are the healthcare expenses that can add up.

I don’t think people REALLY understand what goes through a parent’s head every single time their kid does anything other than sleep – even then, we worry. I was that mom that would check on my baby 10 times a night, stick my finger under their noses to see if they were breathing, then on visit number eleven, just sit and watch their chest move up and down – once my eyes fully adjusted to the dim glow of the night light of course.

The Sleep Study - HealthPlan USA

They say that the more kids you have, the less you worry – but believe me, that’s only true in diaper commercials. I have three, and they come with triple the worry.

Disclosure: I am in partnership with HealthPlan USA and they have provided me with compensation for this campaign. All thoughts and opinions expressed are my own. This discount card program is NOT insurance, not intended to replace insurance, and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CRM 5.00.

I recently signed up for a discount plan from HealthPlan USA. The discount plan is not insurance, but it helps lessen the cost of out of pocket expenses, dental procedures, prescription medications, and vision care. The plan also includes virtual doctor’s visits and access to a Health Advocate.

The Sleep Study - HealthPlan USA

The sign up process for HealthPlan USA was VERY fast, and for less than $17 a month, I am eligible for discounts from many nearby providers. I can be VERY impatient when it comes to filling out forms, so the quick and painless sign up was important to me.. After I completed the online application process, which took about five minutes, in about a week I received my welcome packet with my cards and instructions on how to use them. The process was really easy and mobile phone friendly. I logged in to see if the place where we’ve been getting glasses for all five of us for many years was on the list – IT WAS! That was probably the thing that I was most excited about.

Glasses for All - HealthPlan USA
I was SO excited to search the website for our usual place that we get our glasses, and find that they accept the plan! We ALL have glasses up in here (and we all seem to lose them frequently).

When you have kids, and they do something that could result in any sort of injury, you start to try to remember how much your deductible is first, then how close the nearest emergency room is, then finally – if you can get by with an urgent care clinic for whatever MIGHT happen, how much havoc will the bill wreak on your budget for the month? Is that just me? Might be, BUT I go through that several times a day. If I hear a bump, a thump, a clang, or a yell, my mommy mind starts calculating the cost. This past month with HealthPlan USA has made it so much less stressful.

Sometimes it feels like falls are inevitable.
If. You. Don’t. Get. Off. That. Thing. Right. Now.
Sometimes it feels like falls are inevitable.
That’s better. Stay like that. That looks safe.

I want them to enjoy their youth, but I also want some sanity. When does the injury calculator stop running?

Trip and Falls - HealthPlan USA
WATCH OUT FOR THAT STICK! Some fears are TOTALLY irrational, and make me look like a complete creep watching my boys cross the street from the car window.
Trips, Falls, Sprains - HealthPlan USA
WHEW! They made it past the stick. Nobody tripped. Ankle sprain and possible medical crisis averted.

Many of the things I worry about make no sense. Will they move around the stick, step over the stick, trip over the stick, or pick it up and sword fight with a sibling, potentially jabbing one of them in the eye. You never know sometimes. That’s why I needed a discount plan like HealthPlan USA – for the surprises.

Coffee Burns? - HealthPlan USA
When you don’t have insurance, or you are an entrepreneur with only the coverage you can afford, the smallest things keep you up at night. Is this coffee too hot?
Coffee Burns? - HealthPlan USA
Nah. We’re good. No hot coffee crisis today.

I know what it feels like to be uninsured and worried about every little thing – so does the founder of HealthPlan USA, Asafu Thomas.In 2011, Thomas lost his job, and with that job went his health insurance. Being uninsured along with millions of Americans toward the end of the recession sparked his interest in the healthcare industry. Thomas directed his passion for building businesses that solve socio-economic problems towards creating HealthPlan USA. Its mission is to provide quality, affordable healthcare for underserved populations.

Fall with less fear - HealthPlan USA
She can’t skate. Neither can her friend. Skating is free during the summer – a fall will not be. She should be able to enjoy these fun childhood activities, right?
Fall with less fear - HealthPlan USA
Can you guess how happy I was when she sat her non-skating self down? Lemme tell you – VERY.

Every family should be able to have fun without fear that one fall, one accident, one misstep could set them back financially. While HealthPlan USA is not health insurance, it can mean more peace of mind for many.

Healthier Hugs - HealthPlan USA
She loves to hug her brother… by surprise. She thinks surprise hugs are the best ones. While he holds a tennis racket though?
Healthier Hugs - HealthPlan USA
He didn’t swing the racket in shock. No trips to the dentist. Crisis averted… again.

We had a summer filled with making things… sometimes it felt dangerous – and expensive.

Crisis Free Creativity - HealthPlan USA
She insists on making her own things on the sewing machine sometimes. Now you KNOW, with each stitch, I am picturing all sorts of urgent care center visits behind her creativity.
Crisis Free Creativity - HealthPlan USA
WHY does she have to have her fingers so close to that needle?
Sewing Accidents - HealthPlan USA
She was so proud of her injury free creation.

Sewing machines. Hot glue guns. Xacto knives. Oh. My.

Cuts and Stitches - HealthPlan USA
IS THERE ANY OTHER WAY TO CUT THIS OUT OTHER THAN THIS?
Cuts and Stitches - HealthPlan USA
Whew. A perfect pair.

But they should be able to express themselves, right? Every stitch they made, every squeeze of the glue gun trigger, and every cut with the hobby knife, I instinctively calculated the possible consequences – a child in pain and a wallet in trouble. Having HealthPlan USA as a back up plan let me put my calculator down for a bit and appreciate the simple joys.

Simple joys like watching her light the candle on her birthday cupcake…

Burns - HealthPlan USA
She wanted to light her own candles on her birthday cupcake. How many ways could THIS go?

… seeing her discover her green thumb…

Bites and Allergic Reactions - HealthPlan USA
She was so happy with her little flowers. I was just hoping she didn’t get bitten by something.

The last time we went ice skating, she fell and someone’s skate hit her in the face, a few millimeters from her eye. I still cringe just thinking about it. I never wanted to let her go again… but their friends invited them to go. Should they miss out because of my fear of another mishap?

Falls and Broken Bones - HeathPlan USA
They had a blast ice skating. I was biting my nails at times, but it was worth it to see them flying around the rink.

His first time in a kayak. So glad I didn’t say no to this. While the water was murky at best, I tuned out my inner germophobe, stopped calculating the cost of a possible flesh eating disease (I’m dramatic), and enjoyed a wonderful trip down the river with my son.

Skin irritation, rashes, and infections - HealthPlan USA
I never really liked the look of the Anacostia, the Potomac, and other local rivers and streams, BUT I had a wonderful time spending the day with friends and family kayaking and paddle boating.

We even had an injury free track season!

Pulled muscles, sprains, joint pain - HealthPlan USA
I know, you are probably like – what DON’T these kids do? Well, now you see why every move has me thankful for HealthPlan USA…

Sometimes they like to mess with me and make me think they are going to hurt themselves. *whispers* I see hernias…

Back pain - HealthPlan USA
I don’t even know WHY they try to scare me like this. My face must have been hilarious. They are already laughing and the gag isn’t even over.

We had a good laugh. They’re dramatic too.

Back strain - HealthPlan USA
The boxes are empty! They are so silly.

I let them run out into a field, pick up candy off the ground, and eat it. I am evolving.

Bumps and Bruises - HealthPlan USA
Me. I did it. I let them run out into a field full of children, risking being trampled (maybe not – these are church kids) and stepped on (um, my kids were among the biggest though) to get candy off the ground that may or may not be encapsulated in a little plastic egg shaped bubble. Do those egg shaped bubbles come in full child sizes? Asking for a paranoid friend who looks a lot like me.

DO YOU KNOW HOW MANY PEOPLE PEED IN THIS LAZY RIVER? Probably a lot. I’m okay though.

Allergic reactions and infections - HealthPlan USA
All I asked was that they not swallow the water. Or open their mouths. Or their eyes under the water. I have no idea what they did, but they came out okay.

More about HealthPlan USA…

I’m more calm now, and I accept that there will be little injuries along the way, but it isn’t easy! Thankfully, discount plans for health services like HealthPlan USA help to ease my mind. This week, during the the Congressional Black Caucus 48th Annual Legislative Conference, HealthPlan USA will be working hard to make everyone aware of this valuable member-based organization, whose benefits program provides significant discounts on healthcare services. For only $16.48 per month per household, members can receive telehealth, dental discounts, pharmaceutical discounts, vision discounts, and healthcare advocacy.

Why Choose HealthPlan USA?

HealthPlan USA is a co-sponsor of the annual Girls Night Out Reception during the Annual Legislative Conference, and will officially launch at this premier kick-off event.

Pin This! Save this to your healthcare board.
Pin This! Save this to your healthcare board.

I’m more calm now, and I accept that there will be little injuries along the way, but it isn’t easy! Thankfully, discount plans for health services like HealthPlan USA help to ease my mind. To learn more about HealthPlan USA, visit https://healthplanusa.org.