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OK, then I'll stop reading after your rather rude first sentence.
It took over a month to get my ACL repaired in the U.S. system with good coverage, due to trying to navigate denied procedures, etc. And that is after I had blown out my knee for the second time in a year. The first time they encouraged me not to get replacement and go through PT as primary treatment for cost reasons.
I suggest you read his entire post
I’ve had my ACL torn and unrepaired for 7 or so years - this seems slightly dramatic.
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Come on man- we both know the Canadian healthcare system is crap (as are all government run health systems). I spend my fair share of time in Canada and have many close co-workers and friends up there..meaning I hear all the stories. It’s crap and you know it..
Lucky for most I know they live close to the US border (Ontario north of Buffalo) and can go across the border when they really need care..otherwise the wait times (unless your dying) is unbelievable. Get an MRI and you need a non life threatening surgery you will wait years to get in..
Again, I’ll take my company sponsored healthcare in the USA over anything (yes I realize not everyone has that, but most do)..Its far superior to anything out there..
I have a $3500 deductible and a $6000 max out of pocket. I fund a HSA account…all is good.
Do you know the percentages of company sponsored health care vs out of pocket vs no hc? I don’t but I doubt it’s most.
Excellent argument… Meanwhile the looming threat of medical bankruptcy ensure ever increasing lawsuits and endless urban sprawl means means tracks are forced to close…
But you’ve got your head in the sand talking about China.
I know this ‘real talk’ and ‘the real reasons tracks keep closing’ will probably be moved to the dumbgeon so people can just keep blaming the victims of the system rather rather than the malicious actors and larger systems that ensure motocross tracks continue to close…
It’s not lefties, it’s not greenies, it’s not woke liberals… It’s health insurance companies, the threat of medical bankruptcy, lawyers taking advantage of it, and corporate lobbyists that ensure urban planning continues to be relegated to endless urban sprawl…
Most countries have a robust public system and a competitive private system. The public system means medical bankruptcy is not really a thing unlike the US. And if you want to pay the cost of the US system you can usually get fast private service and elective surgery.
The robust public sector forces the private to compete… that’s the only way for a private sector provider to be held to account
I really love it when people presume to tell me what I know.
But the way, my doctor ordered an mri I was in in weeks - twice.
But I don’t want to make this about me. If my attitude was “I’m looked after, that’s all that matters” that would make me a shitty person
I am not trying to be a jerk about it, but my point is your not being honest about Canadian healthcare…
Maybe I’m ignorant. Or maybe you are. I really don’t know. But I resent being called dishonest because that’s one thing I’m not.
This^^
Excellent post.
The sky has been falling and the sport has been doomed by insurance issues since my first race in 1976.
Only a few are saying the sports dying, I don’t believe that for a second. All most of us are talking about here is a very specific reason a ton of tracks close in the states. Not the reason for every closure. And it’s caused mainly by a systemic problem, that could be fixed but it makes people uncomfortable because it goes against long held beliefs they have.
It makes me sad everytime I see a go fund me for an injured rider for medical expenses because their insurance has refused coveraged or there limit has been reached. if that doesn’t point to a massive issue I don’t know what does. Yet in spite of a lot of views in here instead of shaming that person our community usually rallies around them and helps them if they can. And generally that’s what all people want to do, the idea that we will help one very specific person healthcare costs but unwilling to extend that to our population is crazy.
Well, that’s the great thing about cancer. Current laws don’t allow them to deny treatment. /snark
The 15 minute city thing is yet another example of bad messaging. It's really a fight between urban NIMBYs and urban YIMBYs. There's lots of urban and inner ring suburban land that is zoned for single family homes that, as some cities have grown, has caused the quality of urban life to decrease. It's more about integrating residential and retail into the same spaces so you don't have to get in a car to do everything. It's also a fight to have more freedom to develop your own property as you see fit, and take control away from city planners and zoning departments.
As far as country folk are concerned, denser cities would likely keep more of the libs out of your hair.
Pit Row
Exactly.
Support the people who want to a live different lifestyle to ours so they don’t encroach on us… embracing urban renewal through mixed use medium and high density zoning is one huge key to stop the urban sprawl causing track closures.
if you support motocross you should fully support any 15 minute city initiatives.
Over the years when we have had injuries and had insurance pay, I've always refused to tell them where we were riding. They look for ways to sue the landowner to recoup their money. I'm dealing with it again now, my kid tore his ACL a couple weeks ago. They tried drilling me about where he was riding when it happened, so I told them it happened at a city owned park that has public riding trails. They immediately stopped asking questions.
Insurance is a total scam and extremely unethical. Don't give them anymore information than you have to.
I talked at length to a guy that owns an insurance agency that specializes in insuring businesses in high risk sports about what it would take to start a new insurance company focused on selling policies only to protect athletes. There would be no coverage for any illness, or other type of injury. He thought it was feasible and that he could find an underwriter. My thought was lets take it a step further and underwrite it using a crypto sort of self funded model. So you buy into it and when you get older, or decide not participate any longer, you would have some sort of equity built up that you could cash out in case you never used it.
I need to give that guy a call and talk some more.
This is basically supplemental insurance. I think Spot is an example of a company that does it. I’m sure there are many companies that do it. The whole crypto angle is another thing entirely.
You,d Love Denmark Mx just outside of Green Bay then. It never gets worked square holes hard pack with clay powder on top. Hills valleys with a few floater jumps . It was a full blown Mx track with doubles, triples, killer whoop section. If it’s watered & wood chips worked in its killer loam. But the beat down slick hard pack is a challenge, I Love it. In 2 yrs nobody passed me. I get stomach pain sometimes it’s soo rough & your bones hurt. I do 4 lap heaters brake r done then. Forks& shock real hot. But u should here some riders bitch . The track is too rough , when r u gonna groom it ?
Hopefully nobody reads that and gets any bright ideas.
Good luck suing Uncle Sam.
It is, but most people misunderstand the term "crypto". What it really is is a means to fund a project or company that eliminates the middleman . IN this case it would serve to eliminate the insurance agencies and thus bring down costs significantly. The way we were discussing it, it would also serve as a means to give a user an out vs. typical insurance where they just take, take, take.
I've had a small track for 15 years. Most years we've been open pretty regular, the last few we've opened on race weekends. The few insurance companies that offer a yearly policy where we can open as we choose are simply too much to afford. We've had a few spots where we could get our individual race weekends covered somewhat reasonably but even that now seems to be going away.
There's a lot of discussion on things that we just can't change. We're not going to change human nature, our heathcare system in the US isn't going to suddenly change due to a bunch of dirtbike guys on a forum. I got to thinking about what we can change though... I have a friend with what i would consider a large trucking outfit (155 trucks). I was discussing this situation with him and he was explaining to me how trucking companies will go in together and start a "collective" for insurance. Their rates will vary from year to year based on what the collective has to pay out. This is what we need from the AMA or even a new amateur focused motocross sanctioning body.
My gut tells me that local racing as I know it (The kind I grew up racing) has about 2 years left if nothing changes. You will still see the massive 2000 plus "amateur nationals", annual events etc. But I don't see a path forward for local, public race / practice tracks. I think we're just seeing the beginning.
I too have one that is un repaired since 2011 but also have one that had to be repaired immediately. Each case is different and if it needs repair, I’d like it done sooner than later to prevent further complications and extensive rehab. I have also been the victim of balance billing and threatened with garnishment of wages for a different injury. I am well aware of how fucked our system but would take that over public healthcare any day. No drama here bud, I have first hand info of the scenario I described earlier about atrophy , out of work, extended rehab and extended recovery all caused from not being able to see the Dr or get proper diagnosis in the public healthcare system in the short term. I.e. orthopedic and MRI. Just because it didn’t happen to you doesn’t mean it doesn’t happen - this seems a little narcissistic.
That doesn’t make any sense.
Crypto is just an unregulated and uninsured store of value… this might remove ‘bank fees’ but that’s about it… what you are pitching is just removing the middlemen and protections of a GOFUNDME… it’s so so dumb. God you idiots will anything anything but address the core problem…
It’s so so so dumb.
Maybe the blockchain could be semi useful for contract ‘book keeping’… but ‘keeping the books in check’ is not the problem of unsurance companies, nor will moving contracts to the blockchain have any impact track closures.
What a joke. Crypto serves precisely 2 uses 1/semi legal pump and dumps for people to make big money off ignorant morons and 2/criminals buying and selling criminal shit.
That’s it’s. That’s all.
Thanks for some actual track owner insight. Whilst this is not welcomed info I believe you are correct. The insurance companies are going to continue to divest in risky activities. Unfortunately I can envision a point where your employer provided policies will have exclusions for things like racing , sky diving etc.. why - because they can…
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