Open Enrollment Is Here!



Summer Sun Protection

Summer Is Coming

The warm sunny days are rolling in fast, and it’s easy to get caught up in the excitement and end up with a sun burn or heat exhaustion.
This is the perfect time to prepare and make sure you’re ready for that first really hot day.


Sunscreen is one of those things that people tend to associate with summer, but you should be wearing it all year round. A light SPF 15-30 lotion on your face, ears, and neck can help protect your skin from the sun’s rays on a daily basis. During summer you may want to reapply it a few times each day. When taking a beach trip, or spending the whole day out in the sun you’ll want a thicker sunscreen with an SPF of 30-50 and you’ll need to reapply it every 30 minutes. This will help prevent your skin from sun damage, sun burn, and skin cancer.


Whether it’s sunglasses, a hat, an umbrella, or a covered porch finding a way to enjoy the beautiful weather without being in direct sun can help you feel less exhausted at the end of the day. It also reduces your risk of sunburn and dehydration, especially on Danger Days (days when the heat index and humidity are both high). Sunglasses are also important for protecting your eyes. Remember, eyes are delicate and can get sunburned too.


There’s a good chance you’re already not drinking enough water. In fact, according to the CDC, 43% of Americans are not drinking enough water. This can go from mildly bad for you to an emergency during hot days in excess of 80 degrees. Dehydration can land you in the hospital. The human body is 70% water, and the hotter it is outside, the more often that water needs to be replaced. Get a reusable water jug and keep it full. Tracking how much you drink each day can keep you from getting distracted and forgetting. 


A Dermatologist is a skin specialist that can help you with skin damage, mole mapping, and diagnosing skin cancer. You should be seeing a dermatologist regularly, especially if you are prone to sun burn as sun burns increase your risk of skin cancer. You can find one in your network using our Doctor Search, or call today to see what your health insurance provider covers. 

If you do find yourself an unfortunate victim to the Summer heat and you find yourself in need of a doctor, a hospital, dermatologist, or ophthalmologist, don’t hesitate to call us at Cosmo Insurance for help understanding what your plan does and does not cover.