Sign up for our FREE Monthly Email Newsletter
In addition to keeping in the financial know, you may be interested in checking your credit score and report.
¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.
²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.
³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.
4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.
Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.
I know the last thing you want is yet another health insurance plan, but it might be time to think about sports insurance for kids. For the most part, your regular health insurance plan will cover injuries and physicals, but you might want to check your plan for sports insurance coverage for kids.
When I was a kid, my mom always urged my siblings and me to “go out and play.” She practically begged us to get out of the house. Sometimes we ran loose around the neighborhood, but we also joined organized sports teams.
Competitive sports can teach teamwork, give children a physical outlet, provide hours of amusement, and create strong friendships. But as anyone who has ended up in the emergency room with a child understands, sports activities can also lead to injury.
It’s stressful enough when dealing with a medical emergency or sports injury. Don’t get caught at the doctor’s office without the proper health care coverage. Having a comprehensive health insurance plan will help you focus on achieving financial goals, rather than paying off medical bills.
Do I need to purchase a special sports coverage health insurance plan for my child?
I recently talked with the claims department of one of our major carriers, and I was told that there are no exclusions with regard to specific sporting activities. That said, you should always double-check your specific coverage with your agent.
There are plans in the marketplace that cater toward sports activities for kids, and participating on the after-school soccer team may require different coverage than that for a competitive gymnast or BMX rider.
Is your child’s sports physical covered under your insurance plan?
When your child decides that he or she wants to enroll in a competitive sport, you should strongly consider taking him or her for a sports physical first (this may be required by the school district or sports organization). If you have health insurance, this exam should be covered, though depending on the type of plan you have, it may be subject to either a co-pay or a deductible.
Is your child covered when traveling for games or tournaments?
Coverage may depend on where your child is traveling. If the travel is local, or if it is within the United States, your child will most likely be covered under your existing plan. Before traveling, check your plan for out-of-area coverage and restrictions.
There are traditional plans that will allow for emergency visits in the event of injury. However, you should consult with your agent and the plan design to ensure there are no exclusions when it comes to specific sports activities.
If your child will be traveling internationally, you may want to consider getting travel insurance. There are very comprehensive plans for extremely competitive pricing out there, so this is an option worth investigating.
Does my child need to have insurance information on file with the team or school?
Your child’s school athletic department will typically request proof of health insurance to avoid difficulty in seeking medical treatment in the event of an injury. Check with your child’s school and ask about its procedure for emergency response in the event of injury.
New Versus Used Cars: What You Need to Know about Auto Insurance
Insurance Quotes: Insurance Brokers vs. Online Quotes
Auto, Property Insurance: Buying First Insurance Plans
Health Insurance for the Self-Employed
Pools and Hot Tubs: What Kind of Homeowners Insurance Do You Need?
Eight Auto Insurance Discounts You May Be Missing
The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.
Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.