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Xracer
1/23/2016 8:20am
1/23/2016 8:20am
Edited Date/Time
1/24/2016 11:34pm
The early rash of injuries this year (and every year I suppose) got me thinking; How are pro, non-privateer riders insured? Is it baked into their employment deal like you and I? Do they have their own self-funded policies? It's obviously in the best interest of their employers that they have and maintain top-notch insurance, right? I don't know why I care...just curious I guess. I pay a premium for insurance because my Wife takes anti-anxiety meds. I can't imagine what it would cost to say "I'm a pro supercross racer almost guaranteed to rack up a laundry list of injuries over the next 9 or 10 years, and I need a quote for health insurance"
The Shop
With that being said, MANY claims are paid from guys having motocross injuries. But I have also seen claims denied because an ambulance report states, Joe Smith was transported from ABC MX.
Many riders could be covered by a spouses insurance plan. Younger riders could be on a parents policy. But at the end of the day, if they need to get their own individual health policy, at their young age, and good health it would not be too awful expensive.
I'm glad people in need can get the care they need, but it's no where near the standards or level of care that should be there for what it is, and it shouldn't have any implications that effect " Others. " because one uses it or not... We're finally progressing into a modern form of democracy and the people's will is being more directly represented through the political process year by year.
it'll come.
Unfortunately, a lot of people still believe in a private system that pays healthcare CEO's as much as $30 million per year and absurd premiums/deductables/co-pays etc.
I'm sorry that you had to pay $2,000 on top of, I would assume, roughly $5,000 in premiums. At what point is that even insurance? I'd much rather put that $30 million from the CEO's into the pot to cover the real costs of coverage.
Anyhow, sorry about the political talk. I know a lot of my fellow Vitalists are conservative. Feel free to educate me if you see any ignorance in my statement.
Healthcare CEO Salaries
Pit Row
I know I sure as hell dont want to pay my 22 year olds premium in addition to me and my wifes $532/ month.
They'd likely be called exclusionary activities.
2) While Healthcare CEO salaries are ridiculous, so are NFL CEO salaries, University President's/executives, Oil executive salaries, etc etc - that has little or no financial bearing on the cost of healthcare to a single individual or a family. The cost of an individual's healthcare is driven by many various factors - many of which could be resolved by addressing TORT and allowing inter-state competition, but this doesn't fit the political end game of many people. I now have the exact same Healthcare insurance company as I had before Obamacare - and my premiums are roughly double what they were before and I have had to find different doctors to get medical care.
3) I don't "race" dirt bikes because it is clearly spelled out in my life insurance policy I am not covered if I die as a result during a race. I am allowed to "ride", just not "race". I would love to race, but I have too much family and business responsibility to others that prevent me from making that decision.
Unfortunately, neither of these things is ever going to happen. The lobbyists preventing competition are impenetrable. And removing mandatory coverages for this and that condition would be a shit show because average to below average people, who cannot possibly read or understand a complex contract designed to screw them, would get eaten alive.
Nobody stands to benefit from true, nationwide, free market competition in health insurance except for intelligent taxpayers who do not need outside help to avoid being ripped off. Which is to say that it can not, and will not ever happen.
What is the coverage?
As AMA Pro Racing professionally licensed athletes, our Lucas Oil Pro Motocross participants are covered by the AMA Pro Racing Rider Excess Medical Policy.
The program provides coverage of up to $50,000 in medical bills. Death and dismemberment coverage is $10,000. There is no deductible. Participants are solely responsible for any unpaid balances.
The coverage is secondary to a participant’s primary insurance. In the event a participant has no coverage, the policy would be primary.
Who is covered?
The program provides coverage for AMA Pro Racing members, including but not limited to riders, officials and credentialed mechanics. The program does not apply to any participant not licensed by AMA Pro Racing or to ATVMX or WMX licensed riders and crew members.
http://mxsportsproracing.com/pages/rider-medical
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