So, I'm really curious what top pro riders, well...and privateers use for health insurance.
How does that work?
I know at the amateur level, most use their employees health insurance or on their own in the event of an injury.
But pros and privateers have a much higher risk of catastrophic injuries which can be mind boggling expensive.
An MRI alone can be as much as 10k
So many questions...
Do they have to provide their own?
Is it mandatory for pro racing?
Does feld or the teams cover anything?
Is it a special type of coverage?
Are there any extreme sports coverage limitations?
Are there super high deductibles and or cost limits?
Are there crazy high premiums?
Are privateers basically on their own, after what happened to Jerry Robin and the rider down funding, I'm assuming his coverage had limitations.
Did he have coverage, do any privateers ride without insurance?
Be very interesting to see a full indepth journalistic piece on rider health and accident insurance... Or the lack there of in the sport of sx and mx.
AMA has a certain amount of insurance, if you are competing when you are injured, but no idea what is covered.
Why is your guys MRI's so expensive? Top hospitals and Clinics charge around $700 in South Africa...and for us R14,500.00 ($700) is expensive.
$10,000.00 blows my mind.
I believe my insurance ends up paying around $3200, after their “discount”
They bill at ridiculously high prices and write off the difference that they don’t receive. Keeps them from paying taxes.
It must really hurt when I banged his mom #frumunder a #rainbow
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If the service providers can claim $10K from insurers then guess what it costs for the service…
Jesus.
An MRI in Australia is free
In Canada is free too... Catch is you have to wait 6-12 months....
In 1983 I broke my tib fib which required surgery and a rod inserted into the tibia, I spent a total of 2 days in the hospital.
Luckily I had Kaiser insurance at the time, my out of pocket was zero but the total bill was a bit over 15k.
Now this 1983, I can't imagine what that would cost today.... 50k, more ?
When I saw Jerry's injury report, it was a real gut punch reading through it.
The pain and suffering through surgerys, lengthy recoveries and all the gruling things that go with it is one hurdle, covering the cost is another.
This is where I think ama, feld, has to provide some sort of financial assistance or relief for guys that become injured, especially if it's critical like in Jerry's case.
So, at least they can recover easier knowing that when healthy they are not saddled with thousands of even hundreds of thousands in medical bills.
Because US healthcare sucks. You will get the bill and it’s that much if you pay it but then an insurance company has a different price. There is no reason the bills are not like a car mechanic with hourly rates and typical procedures are posted for all to see. People will come on here that have no experience with healthcare in other countries and make excuses for why the US system is superior but it’s truly broken and we are one of the only countries where you can go bankrupt because you became sick or were injured.
I’m currently in the hospital awaiting a surgery. Before I arrived here, I was sent a bill for $1,847. When I logged in they had me listed as un-insured. So the total cost was just over $2,800, with a non-insured, out of pocket discount. I contacted them and said re-run my insurance.
When we arrived this morning, I was informed my bill is just over $23,000 and I’m responsible for a little over $1400. Not only did the bill increase $21,000 over night, but there is a line on my bill that says “To Be Determined”. They are charging me over $450 for something they havent decided yet. That’s health care in America for ya.
I don't get the 10K MRI claim. I've had at least 4 of them in the last 5 years and they were all between 1k and 1600. I did have my insurance contact me on one of them asking me to use a different clinic (with a lower fee) for the MRI. That was total cost. I only paid a portion depending on how much of my annual deductible and out of pocket limits I had reached at the time of service.
Yep, but I get 3 downvotes for saying the same thing 🤦♂️
After I tore my ACL, I paid like $680 after insurance and a discount for paying up front.
So happy I don't live there. Didn't occur to me till the other day that folks wait that long for an MRI and then sometimes longer after for a surgery. I had ACL surgery 2.5 weeks after my MRI and my MRI was literally two days after I requested one to be scheduled. If I had gotten an MRI right after my accident, I literally could've been recovering from surgery like a month post injury and yall have 1-3 year wait times for the same thing. Thats insane.
Recently had an MRI by an Ortho group that wins their own machine: $1,162 if paid by ins.
$460 cash.
Seems so shady to me. Insurance companies getting over-billed just hurts the consumer in the long run. They raise premiums year after year, with higher deductibles due to an abundance/high cost in claims. Then they build multi-million dollar buildings/campuses. Essentially flaunting their extra money to the consumers who struggle to keep their head above water. I believe they had profits of over $85 billion in 2023, with one individual quarter of 2024 almost reaching $40 billion. Biggest scam in America…insurance.
It's just unimaginable at times. This past December I had to go to the ER, had some weird flu type bug that left me with a 102° fever and very dehydrated.
8 hours later, ONE shot of some anti-nausea, two liters of IV, and a bottle of Zofran....THAT'S IT....
Over $4k out of pocket. And yes I have insurance. UHC.
Same thing here. I paid $500
Pit Row
If you are riding or racing a motorcycle you cant afford to not have insurance. If you cant afford insurance you can not afford to ride a motorcycle. Go ahead and bash me but the truth hurts.
By free you mean paid for with taxes. So, only free if you're not working and not paying taxes.
Both times I was referred for an MRI, I had one within a few weeks. I’ve seen 3 neurologists in the last two years. My family doctor referred me for an ecg on my heart and I had one the next day. So I’ve had no problems with wait times in the last few years. This is in Saskatchewan. Maybe I’m just lucky (but not lucky enough to not need neurologists and MRIs).
Back in 2007 when I lived in Winnipeg I busted up my arm really badly (4 fractures and a dislocated elbow). Happened Saturday evening and I finally got into surgery Wednesday. That sucked. Kept getting bumped by more urgent cases. They just kept feeding me Percocet while I waited.
They forget that part.
The problem people in the US forget is we get stuck in a job often just to keep the insurance. You have to pay monthly premiums that go up each year and often have high deductibles. Then your employer is paying a bunch to provide you with insurance, not sure if you’ve seen it but it often cost an employer $20-30k a year to provide insurance per employee. Now if employers were taxed say $15k per employee and an employee pays say $4k per year and we can provide healthcare to all like all other countries both employees and employers would save money and people wouldn’t be tied to jobs just to keep insurance. People would be more likely to start a small business if they had insurance. I know all the doctors would quit if they had to accept Medicare….yeah really wonder what they will do for income if they don’t want their healthcare jobs…I know socialism bad so let’s keep doing the same thing.
Aside from some of the good and solid arguments about health insurance and how it should be provided/provided for…
Let’s set all that aside for the moment.
I’m gong to request via my Doc…thus, get him to request a Post-Rehab MRI to see where we’re at come 3-4 months post surgery. If my insurance rejects it? I’ll pay myself…because, here’s what’s at stake…
Me.
It’s my health and I can’t preach the following enough…
As a dude about to hit 62, take the time…spend the money…to take REALLY good care of yourself and fix your broken shit and invest your heart and soul in rehabbing your injuries. Rehabbing you.
Obviously, this would also imply the following…
Prioritize your health/health care better than we…or “you” as in you reading this…prioritize your health better than we normally do or better than we usually do.
It’s so much more important than a new ride or a giant tv or whatever material bullshit we “think” is more important.
Invest in you.
You’re worth it.
Manny
How many people on this thread would buy new tires for their car, a new helmet, or even an oil change without knowing up front and in advance what the cost is? But tell people that need non-emergency medical care to just get the care and then wait for an EOB. That’d be like buying a new motocross bike and then the dealer sends you the bill 3 months later (and it’s $50K for a new 450 Honda).
But people are plum fine with this.
Hmmmmmmm.
Sorry, that’s not correct. Free means the physician, nursing, and care staff don’t get paid for the services they provide.
I think you mean it’s subsidized.
Get a good job. Or marry someone with a good job while you pretend to be someone
Feld should pitch in.
Free means that? I thought it meant “doesn’t cost me anything”. If I take my friend to a restaurant and I pay the bill, it’s free for my friend but the cook, server, etc are still getting paid. But that’s really not relevant. The point is it doesn’t cost my friend anything. With health care, I might not get a hospital bill but it still costs me something since my taxes go towards it. We generally understand that healthcare costs us something (and quite a bit too), even if we aren’t directly billed for it.
Lots of people forget things when it helps them with their side of the argument.
You spend plenty of time in Non Moto, you should be familiar with this tactic. 😉
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