Health insurance for moto

Sweetd31
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Sweetd31 11/14/2018 2:24pm
11/14/2018 2:24pm
Sweetd31 wrote:
Not if your policy includes out of network
kb228 wrote:
Id rather choose who does my work as well. In my situation i could have had the first ortho surg who came ti me who is...
Id rather choose who does my work as well. In my situation i could have had the first ortho surg who came ti me who is notorious for messing stuff up, or go to a bigger city and have an ortho surg who works with pro athletes and specializes in my exact type of fracture. Thats a big deal in minimizing long term complications.
early wrote:
Point is, arguing that the insurance system (pre or post ACA) is the best way to deal with providing medical care is a pretty tough pill...
Point is, arguing that the insurance system (pre or post ACA) is the best way to deal with providing medical care is a pretty tough pill to swallow. What good is the ability to pick your doctor if you're going to be charged 100k for that luxury, since there are loopholes the insurance company can exploit to deny coverage?
Well... my $30,000 surgery was reduced to $1,500 out of my pocket, so there's that

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mxjeff575
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mxjeff575 11/14/2018 2:38pm
11/14/2018 2:38pm
kb228 wrote:
I currently have medical mutual through my employer. Recently i was denied coverage for an accident i had in september that resulted in a broken leg...
I currently have medical mutual through my employer. Recently i was denied coverage for an accident i had in september that resulted in a broken leg and collarbone. They said even though i wasnt racing its still a hazardous activity and isnt covered. Unfortunately im stuck with a $70,000 bill for inpatient at the hospital. Although im trying to appeal the claim, i want to start looking for insurance thats applicable to a 25 year old who doesnt get sick. Something that covers things young people do that cause injuries.

Anyone have experience with a good company? Im in ohio
Does you insurance policy have a clause stating which legal activities they don't cover? I would think they would have to explicitly define what they deem "dangerous" and therefore are taking exception too.
Riding an off-road motorcycle? Operating an off-road 4-wheeler? Riding a MTB? Riding a motorized MTB? Riding a horse? Playing on the company softball league?
captmoto
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captmoto 11/14/2018 3:02pm
11/14/2018 3:02pm
I never had a problem with my insurance. BS/BC
NorCal 50+
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NorCal 50+ 11/14/2018 3:22pm
11/14/2018 3:22pm
The US medical system is organized crime, period.
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Premix
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Premix 11/14/2018 4:04pm
11/14/2018 4:04pm
NorCal 50+ wrote:
The US medical system is organized crime, period.
Amen to that
Chopin
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Chopin 11/14/2018 9:28pm
11/14/2018 9:28pm

Your state probably has a Department of Insurance. File a complaint with them against the insurance company for unfair/bad faith insurance practices and they will have 30 days to reply. I had a fit when I was getting charged almost $1000 for an x-ray. I used healthcarebluebook.com to determine the average cost in my area and used that as leverage that I was getting exploited. Less than 30 days later, I received a letter stating "as a one time courtesy they would be waiving the fee". Good luck. There are consumer protections for this, you just have to use them and play the game.
moto9
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moto9 11/15/2018 12:22am
11/15/2018 12:22am
Kaiser is probably the way to go, as far as health care it's one stop shopping.
If at all possible DON'T tell them you were hurt racing dirt bikes or skate boarding...etc.
Say you fell off a ladder or down some stairs, tripped on a curb.
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MX-LIFE.
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MX-LIFE. 11/15/2018 12:40am
11/15/2018 12:40am
With out getting into a political conversation but wouldn't the affordable health care act have prevented you from being denied coverage?
Talisker
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Talisker 11/15/2018 6:33am
11/15/2018 6:33am
NorCal 50+ wrote:
The US medical system is organized crime, period.
X2........ My wife is French, so I have been going to France for the last 10 years for 3 months at a time.
Decided to get my green card (social security) recently. Am fully covered insurance wise. No deductable, i just walk in and they take me. Thats it, end of story, finished.
US insurance industry is complete BS. Its designed to keep you confused and pissed off.
A big IHI money pyramid/money scheme ..... in my opinion.
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kb228
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kb228 11/15/2018 6:59am
11/15/2018 6:59am
Sweetd31 wrote:
Not if your policy includes out of network
kb228 wrote:
Id rather choose who does my work as well. In my situation i could have had the first ortho surg who came ti me who is...
Id rather choose who does my work as well. In my situation i could have had the first ortho surg who came ti me who is notorious for messing stuff up, or go to a bigger city and have an ortho surg who works with pro athletes and specializes in my exact type of fracture. Thats a big deal in minimizing long term complications.
early wrote:
Point is, arguing that the insurance system (pre or post ACA) is the best way to deal with providing medical care is a pretty tough pill...
Point is, arguing that the insurance system (pre or post ACA) is the best way to deal with providing medical care is a pretty tough pill to swallow. What good is the ability to pick your doctor if you're going to be charged 100k for that luxury, since there are loopholes the insurance company can exploit to deny coverage?
Id rather owe money than be messed up for the rest of my life due to a bad surgeon.
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kb228
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kb228 11/15/2018 7:02am
11/15/2018 7:02am
MX-LIFE. wrote:
With out getting into a political conversation but wouldn't the affordable health care act have prevented you from being denied coverage?
Obamacare has zero positive anything about it.
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kb228
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kb228 11/15/2018 7:04am
11/15/2018 7:04am
kb228 wrote:
I currently have medical mutual through my employer. Recently i was denied coverage for an accident i had in september that resulted in a broken leg...
I currently have medical mutual through my employer. Recently i was denied coverage for an accident i had in september that resulted in a broken leg and collarbone. They said even though i wasnt racing its still a hazardous activity and isnt covered. Unfortunately im stuck with a $70,000 bill for inpatient at the hospital. Although im trying to appeal the claim, i want to start looking for insurance thats applicable to a 25 year old who doesnt get sick. Something that covers things young people do that cause injuries.

Anyone have experience with a good company? Im in ohio
mxjeff575 wrote:
Does you insurance policy have a clause stating which legal activities they don't cover? I would think they would have to explicitly define what they deem...
Does you insurance policy have a clause stating which legal activities they don't cover? I would think they would have to explicitly define what they deem "dangerous" and therefore are taking exception too.
Riding an off-road motorcycle? Operating an off-road 4-wheeler? Riding a MTB? Riding a motorized MTB? Riding a horse? Playing on the company softball league?
Their list included racing and motocross racing. But they also included “not limited to.” So they can make shit up as they please apparently. Fishing or boating could be not covered if they deem it hazardous activity. Thats kindof my entire issue right now. I was riding at an open ride day. Plus i suck ass at riding and wasnt going more than school zone speeds.
early
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early 11/15/2018 7:13am
11/15/2018 7:13am
kb228 wrote:
Id rather choose who does my work as well. In my situation i could have had the first ortho surg who came ti me who is...
Id rather choose who does my work as well. In my situation i could have had the first ortho surg who came ti me who is notorious for messing stuff up, or go to a bigger city and have an ortho surg who works with pro athletes and specializes in my exact type of fracture. Thats a big deal in minimizing long term complications.
early wrote:
Point is, arguing that the insurance system (pre or post ACA) is the best way to deal with providing medical care is a pretty tough pill...
Point is, arguing that the insurance system (pre or post ACA) is the best way to deal with providing medical care is a pretty tough pill to swallow. What good is the ability to pick your doctor if you're going to be charged 100k for that luxury, since there are loopholes the insurance company can exploit to deny coverage?
kb228 wrote:
Id rather owe money than be messed up for the rest of my life due to a bad surgeon.
Lots of non-emergency surgery centers are going to a prepayment model, meaning if you can't pay at least a portion of the bill the day you go in for surgery, it's not gonna happen.

Giving medical insurance companies any latitude to determine what they will or won't cover is a recipe for disaster and a major hurdle to establishing healthy lifestyles in the US and allowing the top athletic talent the country has to offer rise to the top.
Roostermx58
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Roostermx58 11/15/2018 7:24am
11/15/2018 7:24am
kb228 wrote:
I took all my gear off in the ambulance with my broken leg with no issue. Saved me from wasting a set of brand new $200...
I took all my gear off in the ambulance with my broken leg with no issue. Saved me from wasting a set of brand new $200 riding gear and $100 boots.

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.
$100 on boots? Please tell me you're not spending more on riding gear than boots.
kb228
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kb228 11/15/2018 7:29am
11/15/2018 7:29am
kb228 wrote:
I took all my gear off in the ambulance with my broken leg with no issue. Saved me from wasting a set of brand new $200...
I took all my gear off in the ambulance with my broken leg with no issue. Saved me from wasting a set of brand new $200 riding gear and $100 boots.

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.
Roostermx58 wrote:
$100 on boots? Please tell me you're not spending more on riding gear than boots.
Hey man tech 1s did their job. My ankles are injury free lmao. I spent all my gear money on my helmet
Roostermx58
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Roostermx58 11/15/2018 7:32am
11/15/2018 7:32am
kb228 wrote:
Hey man tech 1s did their job. My ankles are injury free lmao. I spent all my gear money on my helmet
You sound like a very lucky man and I hope your luck does not run out. If you see anything on my site that is your size, let me know and Ill try and work with you on price. I hate to see anyone in boots that weren't designed for the most protection possible.
kb228
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kb228 11/15/2018 7:32am
11/15/2018 7:32am
early wrote:
Point is, arguing that the insurance system (pre or post ACA) is the best way to deal with providing medical care is a pretty tough pill...
Point is, arguing that the insurance system (pre or post ACA) is the best way to deal with providing medical care is a pretty tough pill to swallow. What good is the ability to pick your doctor if you're going to be charged 100k for that luxury, since there are loopholes the insurance company can exploit to deny coverage?
kb228 wrote:
Id rather owe money than be messed up for the rest of my life due to a bad surgeon.
early wrote:
Lots of non-emergency surgery centers are going to a prepayment model, meaning if you can't pay at least a portion of the bill the day you...
Lots of non-emergency surgery centers are going to a prepayment model, meaning if you can't pay at least a portion of the bill the day you go in for surgery, it's not gonna happen.

Giving medical insurance companies any latitude to determine what they will or won't cover is a recipe for disaster and a major hurdle to establishing healthy lifestyles in the US and allowing the top athletic talent the country has to offer rise to the top.
Idk about the emergency surgery places... everywhere ive been they ask for insurance only.

And health insurance does get to decide what is and isnt covered. Its stupid. Whats the point of paying for it if you cant use it. Like i get denial of coverage for breaking a leg from hitting a 100ft jump in a race, but not slow riding from someone below c class.
early
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early 11/15/2018 7:38am
11/15/2018 7:38am
kb228 wrote:
Idk about the emergency surgery places... everywhere ive been they ask for insurance only. And health insurance does get to decide what is and isnt covered...
Idk about the emergency surgery places... everywhere ive been they ask for insurance only.

And health insurance does get to decide what is and isnt covered. Its stupid. Whats the point of paying for it if you cant use it. Like i get denial of coverage for breaking a leg from hitting a 100ft jump in a race, but not slow riding from someone below c class.
Agree, I don't like bait and switch especially when it has to do with you body. That's where protections are actually a good idea. Good luck on your recovery.

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kb228
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kb228 11/15/2018 7:39am
11/15/2018 7:39am
kb228 wrote:
Hey man tech 1s did their job. My ankles are injury free lmao. I spent all my gear money on my helmet
Roostermx58 wrote:
You sound like a very lucky man and I hope your luck does not run out. If you see anything on my site that is your...
You sound like a very lucky man and I hope your luck does not run out. If you see anything on my site that is your size, let me know and Ill try and work with you on price. I hate to see anyone in boots that weren't designed for the most protection possible.
Whats your website? You sell the used gear or whatever right?
MPJC
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MPJC 11/15/2018 8:44am
11/15/2018 8:44am
The feeling of knowing that whatever injuries sustained will be treated without question or fear of financial ruin: priceless. I hope that U.S. politicians can come to some sort of sensible solution for your health care system. Best of luck to the OP.
zippytech
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zippytech 11/15/2018 8:44am
11/15/2018 8:44am
Blue cross , blue shield as far as I know cover motorcycle racing crashes.. Unless I had to take an ambulance ride, I still hurt myself falling out of a tree or off my roof..
MediumRare
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MediumRare 11/15/2018 9:17am
11/15/2018 9:17am
MX-LIFE. wrote:
With out getting into a political conversation but wouldn't the affordable health care act have prevented you from being denied coverage?
You are not denied coverage. They deny the claim. Big difference.
Read the fine print. Your salesman(agent) does NOT know whats covered. Talk to an insurance adjuster or underwriter.

Or read the fine print very well. The adjuster can be your friend or worst enemy. The problem with USA vs social medicine is insurance is a for profit business. They do NOT lose money. When they do, they recoup it over time with higher premiums for everyone.

Naanak
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Naanak 11/15/2018 9:23am
11/15/2018 9:23am
zippytech wrote:
Blue cross , blue shield as far as I know cover motorcycle racing crashes.. Unless I had to take an ambulance ride, I still hurt myself...
Blue cross , blue shield as far as I know cover motorcycle racing crashes.. Unless I had to take an ambulance ride, I still hurt myself falling out of a tree or off my roof..
Thay covered my wrist awhile back when my dad got it through the state. We even said exactly what happened.
MPJC
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MPJC 11/15/2018 9:25am
11/15/2018 9:25am
zippytech wrote:
Blue cross , blue shield as far as I know cover motorcycle racing crashes.. Unless I had to take an ambulance ride, I still hurt myself...
Blue cross , blue shield as far as I know cover motorcycle racing crashes.. Unless I had to take an ambulance ride, I still hurt myself falling out of a tree or off my roof..
If you're wanting to avoid being charged with insurance fraud, isn't it better to not say on a public forum that you present motorcycle accidents as other kinds of accidents?
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Piston Slap
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Piston Slap 11/15/2018 10:03am
11/15/2018 10:03am
MediumRare wrote:
[i]Longstanding treaties with the federal government guarantee all Native Americans free health care. As a result, the Affordable Care Act exempts them from paying a penalty...
Longstanding treaties with the federal government guarantee all Native Americans free health care. As a result, the Affordable Care Act exempts them from paying a penalty if they choose not to purchase insurance. More than 2 million Native Americans receive free health care at federally supported Indian health facilities. Many others receive care from tribal facilities and urban Indian organizations.

Thats what the USA calls welfare/medicaid/social medicine. Call it what you want, but federally supported means tax payer supported.


Considering we took this great land from the Indians, the least we can do is Healthcare for the native American.

My wife is Choctaw. She and the kids do use the Indian clinic.....

It's better than nothing..
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RichieW13
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RichieW13 11/15/2018 10:18am
11/15/2018 10:18am
kb228 wrote:
Obamacare has zero positive anything about it.
That's not true.

- It prevented insurance companies from denying you for pre-existing conditions.
- It allowed children to stay on their parent's insurance until age 26.
- It prevented insurance companies from using lifetime limits.
- It forced companies with 50+ employees to offer health insurance.

Now, we can debate whether the cost of those additions was worth it or not, but those things are definitely positives to consumers.
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zippytech
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zippytech 11/15/2018 10:21am
11/15/2018 10:21am
zippytech wrote:
Blue cross , blue shield as far as I know cover motorcycle racing crashes.. Unless I had to take an ambulance ride, I still hurt myself...
Blue cross , blue shield as far as I know cover motorcycle racing crashes.. Unless I had to take an ambulance ride, I still hurt myself falling out of a tree or off my roof..
MPJC wrote:
If you're wanting to avoid being charged with insurance fraud, isn't it better to not say on a public forum that you present motorcycle accidents as...
If you're wanting to avoid being charged with insurance fraud, isn't it better to not say on a public forum that you present motorcycle accidents as other kinds of accidents?
I never said I ever did, in fact I have been lucky that in the 30 + years of racing dirt bikes I have not needed a hospital visit. knock on wood
MPJC
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MPJC 11/15/2018 10:40am
11/15/2018 10:40am
zippytech wrote:
Blue cross , blue shield as far as I know cover motorcycle racing crashes.. Unless I had to take an ambulance ride, I still hurt myself...
Blue cross , blue shield as far as I know cover motorcycle racing crashes.. Unless I had to take an ambulance ride, I still hurt myself falling out of a tree or off my roof..
MPJC wrote:
If you're wanting to avoid being charged with insurance fraud, isn't it better to not say on a public forum that you present motorcycle accidents as...
If you're wanting to avoid being charged with insurance fraud, isn't it better to not say on a public forum that you present motorcycle accidents as other kinds of accidents?
zippytech wrote:
I never said I ever did, in fact I have been lucky that in the 30 + years of racing dirt bikes I have not needed...
I never said I ever did, in fact I have been lucky that in the 30 + years of racing dirt bikes I have not needed a hospital visit. knock on wood
Good to hear - hope the luck continues. More of a general point than a statement directed at you. I've seen a few people making online comments that are less than advisable.
ACBraap
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ACBraap 11/15/2018 12:05pm
11/15/2018 12:05pm
MX-LIFE. wrote:
With out getting into a political conversation but wouldn't the affordable health care act have prevented you from being denied coverage?
I believe the ACA prevented health insurance companies from not accepting customers based on preexisting conditions or other demographic data that indicated a higher risk of payout by the insurance company. Not the same thing as requiring the ins company to cover all injuries from all activities.
brocster
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brocster 11/15/2018 12:46pm
11/15/2018 12:46pm
MX-LIFE. wrote:
With out getting into a political conversation but wouldn't the affordable health care act have prevented you from being denied coverage?
ACBraap wrote:
I believe the ACA prevented health insurance companies from not accepting customers based on preexisting conditions or other demographic data that indicated a higher risk of...
I believe the ACA prevented health insurance companies from not accepting customers based on preexisting conditions or other demographic data that indicated a higher risk of payout by the insurance company. Not the same thing as requiring the ins company to cover all injuries from all activities.
If we keep letting insurance companies have their way sooner or later they will cover nothing on your basic policy and require you to have supplemental policies for walking, talking, eating, going to the grocery, etc. etc. etc they have become more about collecting money than “covering” for your well being. i.e. paying out

It’s a tangled web and I get it but damn, the last thing a person that has insurance that is down and out is the thought of whether their “case” will be covered or not.

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