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I guess I’m lucky… my insurance has never sent me anything. They’ve paid out a few Million on my policy, which is covered through my union. I have to qualify for benefits, which I’ve done every year, since I got in the union.
I’ve been hospitalized with major injuries and spent several months in the hospital over the last 40 years of having my health insurance. (Motion Picture Blue Cross/ Blue Shield)
I’m very fortunate to have a $5.00 co-pay per Dr visit and a maximum out of pocket of $3000 a year. I average $500-$1000 a year with anesthesiologist being $150 per event (colonoscopies/ epidurals) (as well as co-pays/ prescriptions) everything else is covered 100%.
Although I have been injured on my motorcycle in the past, it’s that damn MTB that seems to cause the serious crashes. Lol
I'm blown away what my friends have to pay for their medical for their families, I definitely take it for granted, since I’ve always had it…. My contractor friends are paying $2500 a month to get a fraction of the policy !
Thanks to everyone for their experiences/insight, I appreciate it! Said form states that it is required under the plan to furnish this information, otherwise it may result in rejection of claim for benefits. I find this strange as its showing that almost all of the bills have already been paid.
Thanks! Surprisingly, I couldn't find anything under the exclusions section regarding dirtbikes, mountainbikes, or any of the like. It was 130+ pages of legal crap so I suppose it is likely I missed it.
Sorry to hear that, what a nightmare. As I'm reading through over 100 pages of legal mumbo jumbo, I'm just thinking what a clown show dealing with all this.
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Thanks, yep I agree. This is what I was thinking, being honest but just keeping it real vague and hope it gets passed along. Honestly with what I have, I'm surprised they would waste their time it is probably <7K. I'd think that would be crumbs for a insurance company but what do I know.
I have Tricare from being in the military for insurance
every-time my kids or I end up injured from a “accident” the insurance sends the form asking where/how the injury occurred. If you don’t fill it out they don’t pay.
I always describe how we wrecked a bicycle on the public road. Doubt they would ever go after the track, don’t need to chance it though
Yeah its a free helicopter. Free healthcare. Free lunch.
I see what you did there.
Don't, nothing, cya
Insurance companies are slime. It really depends on how much they had to pay. Up to a certain #, it's cheaper to pay and move on, above that they want to see if they can get reimbursed from another insurance company. Land owner? Given the choice, you always ride on public land right? Of course that's after you caught up on home maintenance where you might have fallen off the leaky roof you were fixing. But then they may look to your home owners policy. Unless it was an extended hospital stay, it's probably not worth their time to get in the weeds.
Yeah, it's not like the cost of motorcycle accidents isn't socialized here thru insurance. Once the ACA is repealed insurance companies will be able to deny claims for anything they want.
I get that form after every injury treated at hospital. I am very aware of the liability public and private track owners can face in these situations. So somehow it seems to usually be a ladder, or a fall while playing with the kids/grandkids that gets me. Once I even went home to change first before heading to the ER.
Never had a problem. My plan was considered a Cadillac plan though.
I’ve had a few bicycle accidents, a few skateboarding accidents, even fallen off some ladders.
I have only had one motorcycle accident (wink wink) and the paramedics had to cut my gear off.
Guess which accident got a questionnaire.
Who, what, why, where, and when?
Health care is never free; you're paying for it on the front end through taxes in a govt system , not at time of treatment. Private insurance does the same thing with up-front premiums. And no one gets free health care at work; your employer pays for it and there is less left for you and your check.
The issue here is can you get insurance.
And then will the insurance cover you. That last issue can be an issue in government based health care systems.
Don’t you guys pay about the equivalent of $9.00 a gallon for gas too, as well as vat on everything too? All those taxes help pay for the free medical care. Seems like everything in the UK is at least double the cost of what it’s worth. Just saying
Just did a quick calculation and looks like it's around 7 dollars per US gallon over here for fuel. You guys definitely have cheap fuel that I'm jealous of, although our vehicles seem to get far better mpg.
Our taxes do go towards it yeah and I'm the first one to admit that our system in the UK is slowly breaking, but unfortunately that's due to the people that run the country, a common story all over the world. The good thing we have is that for me I've quit work to travel full time and still have access to healthcare despite not actively paying anything for it for the foreseeable future, but yes I did pay the tax on all the money I earned whilst saving.
I looked into moving to the US a few years ago and the cost of living is actually very similar, ultimately it's slightly cheaper in the UK as the cost of groceries is very high in the US, as well as used vehicles compared to what we would pay. Other things like fuel as you mentioned are significantly cheaper in the US. Of course it's difficult to realistically quantify as the cost of living in New York is very different to rural Oklahoma just as London is completely different to rural Wales
I second this. I have always been told, and I have always said it was a MTB crash to avoid this
Cats. Cats are the worst.
They can come out of nowhere at any time, trip you up, and take you down. Into even more hurt. Really bad if they do it at the top of some stairs. Or in front of some big rocks.
Pit Row
My last two surgeries were from mountain bikes and I received letters on both ignored them the insurance company actually called me. Just had to explain that I fell over on a bicycle all by myself LOL
Yea the cats outta the bag on that, they know I was riding a "motorbike" .
You sure they didn’t misunderstand when you said you were “motor boating?”
I had to have 3-4 stitches in my finger once, cut while DIY repairing a washing machine. I got a letter asking if it was done while working. I checked the box, sent it back in and never heard back from them. If you say you fell off a ladder you will get the same questionnaire, is this accident work related?
My son broke his ankle on my bike back in May. He was riding on a single track trail in the Mountains, therefore, it was a "mountain bike" accident. He got the same form from insurance a few weeks later. Filled it out as a Mountain Bike injury. Also, I have been an agent for 32 years. I agree with the "throw it away" comment as well. Not much they can do about. The health insurance policy doesnt have a motorcycle injury exclusion listed. They will have a tough time not paying if it went to court.
Whoever said this is the greatest threat to the future of our sport hit the nail on the head.
Think about how many times you and people you know have been hurt and how much it cost - what the insurance paid. Now think about how much your other healthcare costs like doctor visits and medications that your insurance pays for each year. Now think about what you pay for your insurance. It isn’t sustainable. For the most part diseases, illnesses and freak accidents are unforeseen events that we don’t have much control over. Getting on a motorcycle and choosing to do a very dangerous activity is avoidable so why would anyone want to underwrite that risk?
Why it's underwritten may turn on whether you are on a group plan or have an individual plan, and what regulators require of policies. The exclusions for risky sports/activities more typically attach to life and disability policies.
That said, there was a member here, Dirt Diggers guy if I recall, that had real issues with the fiduciaries running his union health plan denying coverage on some pretty bad racing injuries. So, it's good to know what's covered.
Is it that much more dangerous than football, hockey, or driving your car?
Just based on personal experience in 40+ years of riding, I'd have to say yes, it is. Maybe not technically "more dangerous" but the constancy of your exposure to high risk is far more and IMHO there are many outside factors that increase the likelihood of an incident above other sports.
I haven't played hockey, but have done the other 2 at modestly high levels, and I've been hurt more and more badly by moto than the others combined. And it's a very rare race weekend that someone isn't injured at the tracks we frequent. We race a LOT too and I spend almost every weekend at a track somewhere. By injured I mean concussion or broken bone, ER visit stuff. As a parent of a fast kid I know the fear of late day motos on gnarly tracks. We are squishy sacks of meat not designed to impact hard objects with any real force. I know that in seconds a life-altering event can occur. Love/hate this sport.
You don't think motocross is astronomically more dangerous than any other stick and ball sport out there? The injuries in motocross can be absolutely catastrophic and I believe if an actuary looked at the injury rate and degree of injuries in this sport, they'd exclude it from coverage. Of course these are just my personal thoughts but I do believe we've gotten as far as we have because we're a small, niche sport most people don't know about so we've flown under the radar.
the last part that you wrote is what I meant in my initial post, I did a poor job of explaining. Of course on a single person basis, moto would be more dangerous than football. As a general population, are more people going to the ER for football, or for motocross
ER visit and follow up for an ACL or broken bone are peanuts compared to one big get off with liver laceration and dropped lung and a trip or two to the OR and several days in ICU after the helicopter ride from the track. There are very few other activities that expose the body to the kind of velocity and impacts that moto does.
I do tend to believe the fear that people have about moto not being covered or this being some big secret that insurance companies don't know about are very overblown, and I'll tell you why. They still cover street bike injuries and those are more brutal and far far more frequent. Riding on the street is also entirely elective, lot of states don't have helmet laws, and health insurance still pays when drunk uncle Larry can't hold the curve on his Harley and bounces his head off the guardrail and never lives a normal life again. Moto isn't really even a blip on their radar as far as it being worth excluding. The stuff we're talking about in this thread is just about trying to get some other insurance company to chip in.
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