At home or away, a personal safety plan can give you peace of mind

Photo: StatePoint Media

(StatePoint) -- If you’re concerned about the nationwide spike in crime, you’re not alone.

According to a June 2021 SafeWise survey, 41 and 42% of U.S. adults are concerned about property crime and violent crime, up 31 and 24% respectively from the previous year.

"Being prepared means understanding the personal defense devices available and knowing how to use them safely," says David Nance, founder of SABRE Personal Safety Academy and CEO of SABRE, the number one personal safety brand of consumers and law enforcement worldwide.

To help you develop a safety plan and live confidently, SABRE is offering important insights into common crimes today, as well as recommendations for personal defense devices to use in various situations:

• Spray or gel? While most people are familiar with traditional pepper sprays, they may not understand the benefits of pepper gel or even be aware of this option. As effective as traditional pepper spray when sprayed across the eyes in an ear-to-ear pattern, pepper gel deploys 20% farther, providing protection at a greater distance.

Another big advantage of pepper gel is it only affects those it comes in direct contact with, making it safer for users and those they’re with, indoors and outside.

According to an independent University of Utah study, variability rates in the concentration of active ingredients in pepper sprays have a 30% failure rate. Tested in its in-house laboratory, SABRE guarantees its maximum strength formulation in every gel canister, including its Crossfire Pepper Gel with Belt Clip, which can be deployed at any angle, even upside down, making it more effective against moving threats.

• When parking. According to the FBI, more homicides happen in parking garages than at bars, motels, gas stations or in the woods combined. Be extra vigilant in garages. Keep keys handy for quick access to your car and carry additional protection. For example, SABRE Pepper Gel with Finger Grip and Key Ring attaches to keychains and provides 25 bursts of maximum strength protection at 12-foot range, helping put distance between you and would-be attackers.

• In the car. In 2020, Chicago carjackings were up 134%, according to the National Insurance Crime Bureau report. This trend continued in 2021, with the Windy City seeing a 44% increase, Washington, D.C. a 45% increase and New York an 81% increase. Multi-use tools can make road trips and commutes safer. For example, SABRE’s Safe Escape 3-In-1 Pepper Gel with Seat Belt Cutter and Window Breaker helps aid in escape of a vehicle after an accident. For protection, it’s designed to prevent accidental deployment, yet allows the user to immediately deploy in high stress situations.

• Outdoors. Eighty-four percent of women surveyed by "Runners World" have been harassed or attacked on a run. Everyone deserves to feel safe while exercising outdoors. Consider adding the SABRE Runner Pepper Gel with Adjustable Hand Strap to your running gear. It provides immediate access to protection and reduces wind blowback, making it safer for outdoor use. A UV marking dye helps authorities identify the aggressor, so you can focus on getting to safety. Bonus: It’s reflective, increasing your visibility to drivers at night.

• At home. Equip your home to be a safe haven with pepper gel. Because it doesn’t atomize like traditional pepper sprays, pepper gel is less likely to foul indoor air. Be sure to store it in an accessible location out of children’s reach.

When it comes to safety, knowledge is key. Consider enrolling in a self-defense or martial arts course. You can also visit www.sabrered.com for educational materials and demonstration videos, and to learn more about the Civilian Safety Awareness Program and the SABRE College Safety Program.

You never know when you may find yourself in a threatening situation. A personal safety plan can provide everyday peace of mind, and help put distance between you and a threat when it counts.

5 things you need to know about "FREE" at home Covid-19 tests

By Damon Darlin, Kaiser Health News

Americans keep hearing that it is important to test frequently for covid-19 at home. But just try to find an “at-home” rapid covid test in a store and at a price that makes frequent tests affordable.

Testing, as well as mask-wearing, is an important measure if the country ever hopes to beat covid, restore normal routines and get the economy running efficiently. To get Americans cheaper tests, the federal government now plans to have insurance companies pay for them.

The Biden administration announced Jan. 10 that every person with private insurance can get full coverage for eight rapid tests a month. You can either get one without any out-of-pocket expense from retail pharmacies that are part of an insurance company’s network or buy it at any store and get reimbursed by the insurer.

Congress said private insurers must cover all covid testing and any associated medical services when it passed the Families First Coronavirus Response Act and the Coronavirus Aid, Relief and Economic Security, or CARES, Act. The have-insurance-pay-for-it solution has been used frequently through the pandemic. Insurance companies have been told to pay for PCR tests, covid treatments and the administration of vaccines. (Taxpayers are paying for the cost of the vaccines themselves.) It appears to be an elegant solution for a politician because it looks free and isn’t using taxpayer money.

1. Are the tests really free?

Well, no. As many an economist will tell you, there ain’t no such thing as a free lunch. Someone has to pick up the tab. Initially, the insurance companies bear the cost. Cynthia Cox, a vice president at KFF who studies the Affordable Care Act and private insurers, said the total bill could amount to billions of dollars. Exactly how much depends on “how easy it is to get them, and how many will be reimbursed,” she said.

2. Will the insurance company just swallow those imposed costs?

If companies draw from the time-tested insurance giants’ playbook, they’ll pass along those costs to customers. “This will put upward pressure on premiums,” said Emily Gee, vice president and coordinator for health policy at the Center for American Progress.

Major insurance companies like Cigna, Anthem, UnitedHealthcare and Aetna did not respond to requests to discuss this issue.

3. If that’s the case, why haven’t I been hit with higher premiums already?

Insurance companies had the chance last year to raise premiums but, mostly, they did not.

Why? Perhaps because insurers have so far made so much money during the pandemic they didn’t need to. For example, the industry’s profits in 2020 increased 41% to $31 billion from $22 billion, according to the National Association of Insurance Commissioners. The NAIC said the industry has continued its “tremendous growth trend” that started before covid emerged. Companies will be reporting 2021 results soon.

The reason behind these profits is clear. You were paying premiums based on projections your insurance company made about how much health care consumers would use that year. Because people stayed home, had fewer accidents, postponed surgeries and, often, avoided going to visit the doctor or the hospital, insurers paid out less. They rebated some of their earnings back to customers, but they pocketed a lot more.

As the companies’ actuaries work on predicting 2023 expenditures, premiums could go up if they foresee more claims and expenses. Paying for millions of rapid tests is something they would include in their calculations.

4. Regardless of my premiums, will the tests cost me money directly?

It’s quite possible. If your insurance company doesn’t have an arrangement with a retailer where you can simply pick up your allotted tests, you’ll have to pay for them — at whatever price the store sets. If that’s the case, you’ll need to fill out a form to request a reimbursement from the insurance company. How many times have you lost receipts or just plain neglected to mail in for rebates on something you bought? A lot, right?

Here’s another thing: The reimbursement is set at $12 per test. If you pay $30 for a test — and that is not unheard of — your insurer is only on the hook for $12. You eat the $18.

And by the way, people on Medicare will have to pay for their tests themselves. People who get their health care covered by Medicaid can obtain free test kits at community centers.

A few free tests are supposed to arrive at every American home via the U.S. Postal Service. And the Biden administration has activated a website where Americans can order free tests from a cache of a billion the federal government ordered.

5. Will this help bring down the costs of at-home tests and make them easier to find?

The free covid tests are unlikely to have much immediate impact on general cost and availability. You will still need to search for them. The federal measures likely will stimulate the demand for tests, which in the short term may make them harder to find.

But the demand, and some government guarantees to manufacturers, may induce test makers to make more of them faster. The increased competition and supply theoretically could bring down the price. There is certainly room for prices to decline since the wholesale cost of the test is between $5 and $7, analysts estimate. "It’s a big step in the right direction," Gee said.

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