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Tell someone overseas how much an ambulance ride costs in the U.S. and watch them crap a brick. I sincerely wish you the best and anyone else here who has gone through something similar.
Kindof gives them free reign to say fishing is a hazardous activity.
How about some people write a reply that actually have a solution for proper insurance practice and racing MX? Write what it cost and what insurance company and possible limitations in that insurance.
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When I broke my wrist last April, I was taken in an ambulance from the track to the hospital, seen immediately, given painkillers, casted and sent to my local hospital. At my local hospital, I was seen immediately, then stayed overnight and had surgery the next morning. And then stayed another night while recovering. I was sent home with 2 weeks worth of strong painkillers. Since then I've had 5 follow up appointments, all with maybe a 1 hour wait total before x-rays and being seen. I'll have another appointment in April next year, followed by a second surgery, and maybe an overnight stay. And then more follow up appointments. This all has, and will, cost me nothing at all up front.
Back home in Ireland when I was a student (earning below the threshold and paying no taxes) the story would have been the same, except I would have paid €100 for an A&E visit.
It's not perfect, but based on what I've heard of the US healthcare system, I prefer it.
@OP, sorry, I don't have any suggestions for what to do, other than chat with the hospital to see if you can negotiate.
If you did, well, you didn't know how insurance works. Until now.
So steering away from the my countries idea If insurance is better than your countries idea....
You need to fight them and you need to call the billing department of hospital and tell them ifs tied up with insurance at the moment.
“Hello you can have health insurance but you must stay in your basement and never go out in the sun to remain covered”
Not sure how those policies can hold water as it’s been mentioned....everything is dangerous. At the least you were wearing protective gear and not wasted. Safer than most weekend activities.
Or you carry morphine and syringe to track yourself?
They take the salesmans word for it. I mean agents word for it.
If not, you should read it. Most have a blanket statement covering any type of "Extreme activity or sport" Lots even list specific events and activities.
For example, if you crash your car drunk...........yah, thats not covered. Read the fine print.
https://qph.fs.quoracdn.net/main-qimg-f956a3925e852430a3e4acadfc19b403
Pit Row
That is exactly an example of what a regulator at an insurance company look at, to try and find ways of not paying out.
If not in your journal, it is in the report from medics at scene.
How else do you think they get info on what happen, besides asking you? My guess is you never broken something severe for real during racing and practice at a real organized race track.
In my case i could have completely changed my clothes before they got there. If i wasnt getting yelled at by people to not move i would have changed.
BCBS of Texas, and now Aetna
Thats what the USA calls welfare/medicaid/social medicine. Call it what you want, but federally supported means tax payer supported.
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