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I live in NZ where we have free health care and got out of hospital yesterday...I spent 2 nights in there with a spider bite that was turning very nasty, blood posioning was setting in and it was nasty.
I went to my local emergency room and they put me on a drip for 2 hours and did it every day for 4 days till I had to be admitted into hospital. I really didnt want to go....the whole thing cost me less than $75.
$50 for after hours service at a private hospital (ACC which is the government branch which pays for healthcare paid the difference)
$14 for 2 weeks of medication.,..also sunsidised by ACC.
I have also got 3 more visits with a nurse to clean the wound before i go away but as long as i need the visits, they are there for me.
We have free healthcare in New Zealand, and for the neysayers out there, it works. I had 2 specialists see me and treat me, as well as drs and nurses come and look after me....I had a great team getting me better and no point did i have a crappy dr or nurse
/sarcasm
The "Greatest" country in the world can't take care of its own?
It's time we quit being so fucking greedy and figure out for proper health care for everyone.
There is a pretty good national healthcare system for which everyone contributes through the taxation system. If you have elective surgery there can be a waiting period but for non-elective treatment you can get covered straight away. Includes doctors, hospital, emergency treatment etc.
However if you want to pay extra you can purchase pretty good private health insurance which means avoiding waiting times and your choice of doctor and hospital. Top level health insurance is not that expensive - for a family you can get high level cover for about $2000-$3000 per year. Many companies offer subsidies to the premiums (employers are not allowed to run their own health insurance programs). Also legislation prevents private insurance from covering 100% of all costs, so there is always some to pay out of pocket (I believe part of the reason for this is to prevent frivolous use of tests for no reason).
I did my ACL five years ago. Total cost to me for the surgery, consulations and rehab was about $500.
I have to admit that I find the attitude about not wanting to pay for someone else's mistake somewhat confusing (or maybe disturbing?).
Socialism? Perhaps you should look up the meaning of the word society...
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Does anyone think the US health insurance and healthcare system is just fine as is? Ping? BVM? Anyone?
Jimi J
For those of you riding without insurance or are under insured, you are nucking futz.
Oh ya Jack Schitt, is your wife Jane? Are your kids, Dunno, Fullof, and Dip?
A great card to have if you want to control other agendas. All in the name of "society shouldn't have to pay for these high risk activities" - yet somehow fat couch potatoes, smokers, druggies, abortions, and illegals will be managed to be covered "by society".
Just curious if that actually happens in any other country or if it's just fear mongering.
The real question is would you rather wait 6 months to get your shoulder or knee fixed with 2008 as opposed to 2010 equipment or would you rather run the risk of being financially ruined for the rest of your life because of a medical emergency that may or may not ever happen? Riding or racing without really good health coverage is a huge gamble in my opinion! The other thing that concerns me is all the funds being set up for all these injured riders. I know that nobody wants to be in that situation and I do wish all a speedy recovery but by donating to their rehab and medical bills aren't you basically giving them universal healthcare?
I think both systems have merit and really a combination of both would be ideal but.........
My 2 cents
http://www.vitalmx.com/forums/MotoRelated,20/accident-insurance,281274
Also from a cost standpoint, to those that are chiming in from Canada, Sweden, New Zealand and Australia. How much free health care do you guys give to illegal aliens? If you had a large illigal immigrant population I would think that would greatly increase the taxes you pay for your free health care.
Pit Row
I have a question, why should there be fine print in our insurance policies?
After all, it's not that easy to "walk" across the border into Australia!
He missed a bunch of work, but had to go on medical leave and lost some income, which he tought would be covered by AFLAC. AFLAC found out he was riding, actually went the website of the track he was riding at, saw that there was a race that weekend, and denied his claim, even though he snapped it on Saturday (practice day) He's now fighting AFLAC, not sure if it's been resolved.
One question for all of you that are covered - What do you do with the forms that come about 2 months after you are injured, that ask about how you were hurt? The purpose of them is to allow the insurance company to sue someone to recover the money they spent fixing you up. I put 'em straight in the shredder, and don't hear from them again. Anyone ever run into a situation where they HAD to fill one of these out? I never ever say I was riding if I can avoid it. Then again I've never crashed bad enough to leave in an ambulance.
Dirtysmile said it best - "Good luck and read the fine print on your policy, the insurance companies don't make their money by paying claims, they make it by collecting premiums and denying claims"
Not only do I have health insurance for my kid I also have a special rider on our auto policy for his bike which has extra for emergency room visit and if he had serious long term injury coverage for that.
People "parents" do need to be a little more responsible and investigate the "what if" scenerios.
How many here have read their health policy or even their home owners policy?
This topic is very reason that caused me to hang up the boots from riding professionaly. I had Blue Cross, Kaiser, and some odd balls.. I tried to depend on the AMA's secondary insurance (naughton I believe?) and it was all such B.S. Even when I spent HOURS on the phone trying to make sure I disclosed everything I did, where I was doing it and begged to be able to pay for exactly the coverage I needed.
The bottom line is, if you do tell the insurance what you truly do for a living then you are considered "high risk" check out the premiums on that and with that policy you're restricted even more with "out of network" clauses, rules and stipulations. Aflec and the other insurances that "pay youto live whe your hurt" WILL NOT pay you if you ride pro, or are paid to ride, no matter what the person tells you that is selling your policy to you.
One more reason the riders need to think about a union. How come as a part time (desperately wanting to be full time) STUNTMAN I can get GREAT health care coverage through my union for my whole family for peanuts? I am still an indepedant contractor on the stuff I work on but I have people who are looking out for me. It baffles me. Stuntman and stuntwomen, who have a job to thrash themselves, get lit on fire, jump out of buildings and from cars on PURPOSE, get taken care of but the entertainers of our sport have no help when it comes to this.
How about Ryan Hughes? He paid HUGE money to have himself insured for millions for a career ending injury. Well it happened, he went to cash in on his policy which he did all the paperwork, had a written agreement with, paid thousands of dollars for and then they denied him. All for a concussion he had sustained years ago..> these people have people who's job it is to find a way NOT to pay. You can thank this very scenario for seeing Ryno on these KTM's for a couple years, had he not been denied he would have retired after that fatefull day at Steel City when he rode for Honda. Ryno did it right, Jimmy Button did it right, A lot of riders do it right but still have problems getting the bills paid.
Insurance companies suck, You rarely get taken care of in the time of need and as a racer I understand why some think they are covered in the worst situations.
You might want to ask someone that works in the back office of your family doctor to go over your coverage with you, The people that file the claims can usually break down the coverage into something you can understand.
Risk protection is also available for those that race in professional motorsports. Many of the pro's also purchase this kind of coverage (through Petersen/Lloyds) for disability protection. But its not cheap, and many MX riders will not find a way to pay for it so they are riding with the risk of financial ruin if they end up with a career ending injury.
The first property I purchased was 92k
Do the math "freedom" lovers.
Our Health care is Fd 6 ways from Sunday, if you don't think so, you don't pay outta pocket for it. This has nothing to do with not loving your country, it has everything to do with fixing a
major problem.
I agree with you. The system has some significant flaws.
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