Health insurance for moto

Frank
Posts
643
Joined
12/29/2012
Location
WI US
11/16/2018 2:20pm
They can make up and charge anything they want. $16,000 to view an x-ray for 20 seconds.........yep all good in the eyes of the usa federal government.

Do not feel bad lying your ass off.

It's no more fraudulent than the what the medical industry in the usa does.
1
1
11/16/2018 2:55pm
MediumRare wrote:
All being equal, a doctor will make 10 times in the USA vs Canada. The government decides what they will pay for a procedure, vs what...
All being equal, a doctor will make 10 times in the USA vs Canada. The government decides what they will pay for a procedure, vs what you want to charge or bill the insurance company for.(Why insurance denies paying)

Thats why in the states, many doctors dont accept medicaid. (Welfare/Social Medicine)

Basically the Govt says, we arent paying 9,000 dollars for a band aid.. 30,000 dollars for 2 stitches. 700,000 for a 15 minute doctor visit.
Brad460 wrote:
I have several co-workers living in Canada (and Europe) and after hearing them talk about their experience with government run health insurance (and 40%+ tax rate)...
I have several co-workers living in Canada (and Europe) and after hearing them talk about their experience with government run health insurance (and 40%+ tax rate) I will stick with what I have in the US. Just had lunch with them yesterday and got a ear load on just the wait times..craziness!

I am sure you can tell us all the same stories..
When yours runs out after a major injury and they stop paying, and you're stuck filing bankruptcy because you can't pay the 100s of thousands, or millions in bills, revisit this.
1
11/16/2018 3:03pm
kb228 wrote:
The main thing is they denied the claim even though i was not racing. Any kind of racing or motocross racing is not covered in my...
The main thing is they denied the claim even though i was not racing. Any kind of racing or motocross racing is not covered in my plan, and those things were specifically mentioned by my insurance company. But the key thing was their list included “not limited to.” So to me, it sounds like they saw a $70,000 they could decide to not pay. They literally paid for my surgeries and labs and xrays for the same accident. But not the $70,000 line item.
DW324 wrote:
HB228, send me a PM and I will give you my number to call me at my office. Something is not adding up at all. I...
HB228, send me a PM and I will give you my number to call me at my office. Something is not adding up at all. I am health insurance agent based in Michigan with all of my clients (large group, small group and individuals) being in Michigan, Ohio and Indiana areas. I am at the track 2 times a week riding and I can assure you that I would not be riding or doing something that my "Individual" healthcare plan would not cover in the event of an accident.

We work with every "A" rated carrier in these 3 states, so we have direct contacts with them as well. We have claims specialists that deal with these things all day long and I have no problem guiding you thru what to look for and or what questions to ask.

Based on what you said, but not knowing anything about your plan, 2 things come to mind.

1. Do you have a policy that only covers the ACA (Affordable Care Act) minimum amount of coverage that is required by law to be compliant with the health care reform laws and not have to pay the fines associated with not having healthcare? These plans only cover the 10 mandatory minimum essential healthcare benefit required by law and are what a lot of companies with over 50 employees offer to skirt the employer mandate penalties for not offering ACA complaint coverage to their employees as of 1/1/14. For the most part they would only cover preventive care testing as well as a few other things depending on what bells and whistles are added onto the plan. The will not cover with out a doubt any hospital charges. That is for sure.

2. Have you checked to make sure that the provider that is saying you owe the $70k has the correct insurance information for you and/or are they billing to correct insurance? This happens a lot when the doctor has the old insurance on file and they are billing for services that are no longer covered since you are no longer active on the policy and you will indeed be seeing a bill for $70k since the old carrier doesn't show you in their system.

Also, have you cross referenced the EOB (explanation of benefits) for the specific date of service/claim to make sure that the billing/diagnostic codes that the insurance company has on file for your claim matches what the invoice from the providers are showing. If they don't match they will just deny the claim and kick it back to the provider and then they kick it back to you.

Are you being billing for in-network or out of network services or possibly both?

Never pay a claim until the EOB says it has been finalized and that EOB matches the bill from the provider. The provider has no clue what you have paid into or towards your yearly deductible. They just send everyone invoices until they get paid. They also use 3rd party billers a lot of time as well so things do get messed up, and claims issues happen more than you know. Its usually someone eating bons bons sitting on their couch all day plugging numbers into a keyboard and when the chocolate hits the wrong key you have an issue LOL SmileSmile

Again, without knowing anything about your policy I am just rattling off the first few things that popped into my head as I am reading all of these replies shaking my head.....

Like I said, send me a PM and I can call you or you can call me at my office and I am more than happy to help you out. This is something that your agent or the place you work at, their agent, gets paid to do directly from the insurance carrier for. If they are not willing to help you out then its time to find an agent that will.

I am not saying I will have all the answers or even the answers you want to hear but one way or another I know I can help you get down to the bottom of it. You cant beat free help!!!

Sorry for the long post!

T.J.
kb228 wrote:
Im working on getting a copy of the policy from HR to review it. Specifically the full list of hazardous activites. Also like i said, i...
Im working on getting a copy of the policy from HR to review it. Specifically the full list of hazardous activites. Also like i said, i sent in an appeal. I want to let that go through the process first before i reach out further.

As of today, i recieved another packet in the mail. They went on to deny ALL of the claims sent to them. So i can easily up that bill to over $100,000. What a mess.
Insurance agents are selling you shit and dont know whats covered and whats not.. Get the fine print from an adjuster.
That person is your enemy or your friend. If your adjuster is a tree hugger and you break you leg on a dirt bike, you a F'ed.

Look for "Extreme sports" "Exhibition of Speed" "Racing or Competition" "Including, but not limited to..."

They do NOT have to list a specific activity.

Social Medicine doesn't really have this problem, neither do those on Welfare in the USA. That is a zero deductable 100 % free for them, paid by the taxpayers healthplan. In other words, Social Medicine.

Thats why most doctors, and outpatient places in the US do NOT accept medicaid. They can NOT over bill, Triple bill, quadruple bill the govt. They wont pay. So the doctors don't take it. Period.
1
1
kb228
Posts
6161
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Location
Mansfield, OH US
11/16/2018 3:27pm
DW324 wrote:
HB228, send me a PM and I will give you my number to call me at my office. Something is not adding up at all. I...
HB228, send me a PM and I will give you my number to call me at my office. Something is not adding up at all. I am health insurance agent based in Michigan with all of my clients (large group, small group and individuals) being in Michigan, Ohio and Indiana areas. I am at the track 2 times a week riding and I can assure you that I would not be riding or doing something that my "Individual" healthcare plan would not cover in the event of an accident.

We work with every "A" rated carrier in these 3 states, so we have direct contacts with them as well. We have claims specialists that deal with these things all day long and I have no problem guiding you thru what to look for and or what questions to ask.

Based on what you said, but not knowing anything about your plan, 2 things come to mind.

1. Do you have a policy that only covers the ACA (Affordable Care Act) minimum amount of coverage that is required by law to be compliant with the health care reform laws and not have to pay the fines associated with not having healthcare? These plans only cover the 10 mandatory minimum essential healthcare benefit required by law and are what a lot of companies with over 50 employees offer to skirt the employer mandate penalties for not offering ACA complaint coverage to their employees as of 1/1/14. For the most part they would only cover preventive care testing as well as a few other things depending on what bells and whistles are added onto the plan. The will not cover with out a doubt any hospital charges. That is for sure.

2. Have you checked to make sure that the provider that is saying you owe the $70k has the correct insurance information for you and/or are they billing to correct insurance? This happens a lot when the doctor has the old insurance on file and they are billing for services that are no longer covered since you are no longer active on the policy and you will indeed be seeing a bill for $70k since the old carrier doesn't show you in their system.

Also, have you cross referenced the EOB (explanation of benefits) for the specific date of service/claim to make sure that the billing/diagnostic codes that the insurance company has on file for your claim matches what the invoice from the providers are showing. If they don't match they will just deny the claim and kick it back to the provider and then they kick it back to you.

Are you being billing for in-network or out of network services or possibly both?

Never pay a claim until the EOB says it has been finalized and that EOB matches the bill from the provider. The provider has no clue what you have paid into or towards your yearly deductible. They just send everyone invoices until they get paid. They also use 3rd party billers a lot of time as well so things do get messed up, and claims issues happen more than you know. Its usually someone eating bons bons sitting on their couch all day plugging numbers into a keyboard and when the chocolate hits the wrong key you have an issue LOL SmileSmile

Again, without knowing anything about your policy I am just rattling off the first few things that popped into my head as I am reading all of these replies shaking my head.....

Like I said, send me a PM and I can call you or you can call me at my office and I am more than happy to help you out. This is something that your agent or the place you work at, their agent, gets paid to do directly from the insurance carrier for. If they are not willing to help you out then its time to find an agent that will.

I am not saying I will have all the answers or even the answers you want to hear but one way or another I know I can help you get down to the bottom of it. You cant beat free help!!!

Sorry for the long post!

T.J.
kb228 wrote:
Im working on getting a copy of the policy from HR to review it. Specifically the full list of hazardous activites. Also like i said, i...
Im working on getting a copy of the policy from HR to review it. Specifically the full list of hazardous activites. Also like i said, i sent in an appeal. I want to let that go through the process first before i reach out further.

As of today, i recieved another packet in the mail. They went on to deny ALL of the claims sent to them. So i can easily up that bill to over $100,000. What a mess.
MediumRare wrote:
Insurance agents are selling you shit and dont know whats covered and whats not.. Get the fine print from an adjuster. That person is your enemy...
Insurance agents are selling you shit and dont know whats covered and whats not.. Get the fine print from an adjuster.
That person is your enemy or your friend. If your adjuster is a tree hugger and you break you leg on a dirt bike, you a F'ed.

Look for "Extreme sports" "Exhibition of Speed" "Racing or Competition" "Including, but not limited to..."

They do NOT have to list a specific activity.

Social Medicine doesn't really have this problem, neither do those on Welfare in the USA. That is a zero deductable 100 % free for them, paid by the taxpayers healthplan. In other words, Social Medicine.

Thats why most doctors, and outpatient places in the US do NOT accept medicaid. They can NOT over bill, Triple bill, quadruple bill the govt. They wont pay. So the doctors don't take it. Period.
Yea but they can add cleaning gutters to hazardous activities. The not limited to clause is total bull.
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The Shop

Jarid332
Posts
5325
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Somewhere north of Toronto CA
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11/16/2018 4:28pm
So let's say I'm riding my dirtbike and I go over a jump and I hit the kill switch and try to kick start it while in the air but at the same time Gwen Stefani and some asian tranny with big fake cans is waving at me. I crash and break some bones. Insurance ain't covering me?
1
MX915
Posts
469
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1/17/2018
Location
Central, NJ US
11/16/2018 5:19pm
You really need to see the exclusions for your particular plan. After reading this thread I looked mine up for the hell of it and fortunately there are very few exclusions. Motorsports or "extreme" activities are not one of them. Nuclear or atomic war on the other hand is....no joke.

It may depend on the tier plan your on (i.e. how much it cost you/your employer). Im on the highest level PPO my company offers (and the most costly to me of the four plans). The lower level plans have more exclusions, not just in terms of whats covered, but in terms of doctors, coinsurance, max out of pocket, etc.
2
tempura
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2079
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Location
JP
11/16/2018 8:05pm
aees wrote:
I would love to see you get your boots and pants of with a broken leg and femur... ?
MediumRare wrote:
How do you think the Doctors get them off?
aees wrote:
After you get morphine for starters. At that point it's already to late since the first or second point in the notes from medics are "removing...
After you get morphine for starters. At that point it's already to late since the first or second point in the notes from medics are "removing protective gear on track/location".

Or you carry morphine and syringe to track yourself?
When I broke my Femur last December, I didn’t get any pain killers for a few hours..not until I’d reached the hospital where the surgery was going to take place. They did strip me in the ambulance, let me tell you, taking off Tech 10’s with a broken Femur and no painkillers was painful..lol they were trying to pull them off, and I was yelling stop, trying to explain about the inner bootie...
tempura
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JP
11/16/2018 8:08pm
kb228 wrote:
Im working on getting a copy of the policy from HR to review it. Specifically the full list of hazardous activites. Also like i said, i...
Im working on getting a copy of the policy from HR to review it. Specifically the full list of hazardous activites. Also like i said, i sent in an appeal. I want to let that go through the process first before i reach out further.

As of today, i recieved another packet in the mail. They went on to deny ALL of the claims sent to them. So i can easily up that bill to over $100,000. What a mess.
Makes you wonder if it’s all worth it.
11/17/2018 6:30am
Can this be added to the contributing factors in the decline of mx?.....seriously don't know how you guys over there do it when I see some of the figures for hospital visits thrown around, crazy.
1
Brad460
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Richfield, WI US
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11/17/2018 6:54am
MediumRare wrote:
When yours runs out after a major injury and they stop paying, and you're stuck filing bankruptcy because you can't pay the 100s of thousands, or...
When yours runs out after a major injury and they stop paying, and you're stuck filing bankruptcy because you can't pay the 100s of thousands, or millions in bills, revisit this.
I have a $6000 max out of pocket and it doesn’t “run out”...Laughing

Anyways, thankfully for a couple of my Canadian co-workers they live close to the US border, so when they need treatment without waiting a year they can cross the border into the US..
motomojo
Posts
443
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12/3/2015
Location
Kingman, AZ US
11/17/2018 7:55am
Yikes!! Never tell them you were riding. I always used the fell off a ladder or some other domestic accident worked every time though thankfully was only a couple times for me so far.
As soon as you mention dirt bike you're toast.
1
kb228
Posts
6161
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Location
Mansfield, OH US
11/17/2018 7:15pm
motomojo wrote:
Yikes!! Never tell them you were riding. I always used the fell off a ladder or some other domestic accident worked every time though thankfully was...
Yikes!! Never tell them you were riding. I always used the fell off a ladder or some other domestic accident worked every time though thankfully was only a couple times for me so far.
As soon as you mention dirt bike you're toast.
Ive been covered in dirtbike accidents in the past with this insurance... just nothing that totaled 100k+
zuk338
Posts
204
Joined
5/22/2017
Location
North Tonawanda, NY US
1/26/2019 12:48pm
LumpDog841 wrote:
Little advice to everyone if they ask you what happened DO NOT mention anything to do with motorcycles or motocross. Just say you fell, and nothing...
Little advice to everyone if they ask you what happened DO NOT mention anything to do with motorcycles or motocross. Just say you fell, and nothing else. Isn't any of their business. If you're regular health insurance hears anything with motorcycles, they will push it to auto insurance....and then they will fight, while you're stuck with the bill.
I was told this by an older guy with bad health insurance when I was still covered under my parents and I have always always said I was on a bicycle. I had two incidents last year, tore up an ACL, “wiped out in some gravel on my bicycle and planted my foot when I was falling” and then got a foot peg to the knee cap unloading my bike that required a few stitches and that was just “slipped in the bed of my truck and caught the tailgate” no further questions by doctors or insurance and everything is already squared away. I don’t know if it would have made a difference if I told them what really happened but I didn’t want to be stuck with a bill like that.

On the other hand, my brother broke 2 ankles and collar bone in one hit, ambulance delivered him to the hospital still geared up and that was covered by insurance.
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captmoto
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Location
Rancho Cucamonga, CA US
1/26/2019 1:29pm
foreman52 wrote:
I haven't read the entire forum yet, but I can tell you what I know [b]as a licensed insurance broker[/b]. Motocross racing is considered a hazardous...
I haven't read the entire forum yet, but I can tell you what I know as a licensed insurance broker.

Motocross racing is considered a hazardous sport and ANY insurance company will not take on that risk. Whether it is for health coverage, life, or for disability. You can still qualify for these products, but there will be an exclusion if something happened while racing.

What makes no sense at all is that they only go after "RACERS". If you are a random Joe Blow and DONT RACE, but just ride locally they will take you on without exclusions. I haven't worked on a claim yet where that was the case, but I could see that still getting messy.

Basically, if you don't work for a company that has group benefits like long-term care and disability you are screwed finding a product that will cover you on a bike. When you're on a group plan they aren't allowed to ask about medications and activities, because they are not allowed to "anti-select" who gets put on the plan.

I'm from Canada and we have nothing here. I see in the States this guy specializes in this stuff, but I know absolutely nothing about. I've reached out to him before but he couldn't help me since I'm in Canada.
https://www.ridersurance.com
That must be exclusive to Canada. I know l of lots of people, myself included that have had crashes and had insurance cover it properly. I have a friend that is a quad, broke his leg racing and he got all his coverage. Broke my foot racing in 08, no problem with coverage. I am in a pretty good size group with my insurance. The best bet is to look at exclusions in the policy before you sign instead of the cost of the bottom line.
foreman52
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CA
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3183rd
1/26/2019 2:21pm Edited Date/Time 1/26/2019 2:23pm
captmoto wrote:
That must be exclusive to Canada. I know l of lots of people, myself included that have had crashes and had insurance cover it properly. I...
That must be exclusive to Canada. I know l of lots of people, myself included that have had crashes and had insurance cover it properly. I have a friend that is a quad, broke his leg racing and he got all his coverage. Broke my foot racing in 08, no problem with coverage. I am in a pretty good size group with my insurance. The best bet is to look at exclusions in the policy before you sign instead of the cost of the bottom line.
Are you or your buddy on a group plan through your employer? If so that makes sense. That being said if it paid out on your own individual personal plan you purchased that really surprises me. If you also purchased the policy years before you even got into MX this would of covered you as well.

My heath care and hospital bills would be covered. That’s just standard health care in Canada.

I finally just found coverage that will take care of me in the long term if I can’t do two or the six daily function of a regular person. This is coverage for literally the worst situation, but I have nothing to cover me in any other situation.

Be interested to hear what you have and your experiences with claims.
1/26/2019 5:49pm
I work for a third-party-administrator. Many employers are self-insured, meaning they cover the first ($x) of claims and have reinsurance for claims that go over that (x) amount. That amount is commonly $75,000 but can be more or less.
My company handles the claims work for those employers, sets up the reinsurance policies, sets the plan up with utilization review companies, and we offer them help creating the Plan Document...the booklet that details what is and isn't covered, defines terms, talks about when you're eligible, what happens when you leave the employer, all the HIPAA & ACA regs, etc. Sounds complicated, but self-insured plans are an extremely common way for employers to handle the health care plans for their employees. I'm in Illinois and that stupid "Hazardous Hobbies" exclusion is gaining in popularity in the midwest. I DESPISE it. A lot of our employer groups are in rural areas and yet they've found themselves with policies that exclude "hazardous hobbies" which can be defined by the policy in a number of ways, but one i read yesterday said "excluding injuries from 'riding or racing trail bikes, falling from an elevated hunting stand..." It's the exclusion de jour in the industry. Thing is...with these self-insured plans the employer has a LOT of say about what goes into the policy. Required stuff aside, they can choose to skip this exclusion...and often do when it's actually explained to them. (An company that sells and services farm machinery has rural guys working for them, and they know those guys hunt, ride ATVs and dirtbikes. No way in hell they're going to exclude coverage for common man activities.) We are not talking about being drunk and driving (meaning...doing something illegal.) Crashing your dirtbike isn't a 'self inflicted' injury either...that IS commonly excluded...because self inflicted means you intended to injure yourself. I ride and race (I'm pretty terrible but i'm 53 and have no intention of stopping)my employer knows I ride, and ya...i've gotten some sideways looks and the CFO, when I had to take a couple days off for knee surgery, DID ask if i fell off my ladder again.
kb228 - you were right to appeal. but talk to your employer too. If your insurance plan is self-funded the employer CAN choose to overturn even a denied appeal and have the claim paid. It's not uncommon.
For me, I'm going to continue to talk to my employer and the account managers (the ones who work with new groups to design the Plan Document) to help them understand how ludicrous this exclusion is. And just my personal opinion here: I really think it's another slam on 'guy' stuff. No one is excluding coverage for infected toes from a bad pedicure.
1
Dr.201
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Indianapolis, IN US
1/27/2019 11:36am
Well I just broke my shoulder and humerus while riding in Florida so I'm waiting to see if I get stuck with the $15,000 dollar bill for setting it and the physical therapy. Hopefully I just have to pay my $5,000 deductible. I have a silver plan that is about $350 a month and I'm 31 and in good health. I had a friend drive me in and I said I was mountain biking in a local state park so I'm pretty sure that it will be covered.... Currently waiting as it happened on 01/03/2019. Wish me luck.
bonseff
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Frisco, TX US
1/27/2019 8:24pm
If you meet your deductible for a leg surgery (knee, femur, etc), ask your specialist for a prescription for CTI knee braces as part of your recovery.
r18b
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241
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NL
1/27/2019 11:55pm
One reason I support free health care. Euros have it much cheaper and better. Tell someone overseas how much an ambulance ride costs in the U.S...
One reason I support free health care. Euros have it much cheaper and better.
Tell someone overseas how much an ambulance ride costs in the U.S. and watch them crap a brick. I sincerely wish you the best and anyone else here who has gone through something similar.
Well i was reading the whole topic and my eyes got bigger and bigger.

What a shitload of money people have to pay. That's not normal.

In holland you pay around 120 euro a month for standard medical care. If you want extra like dentist etc etc it cost a little bit more.

"Own risk" is 385 euro. That means if you need a surgery or medecins or a ambulance then your have to pay your own risk when the treament is over. If you can't pay it at once you can pay it like 49 euro a month.

People are complaining here that now days a lot people almost can't pay the monthly 120 basic health care. But if i'm reading what you guys are telling and the amount of cash you have to pay for the bills. Then we are lucky and shouldn't complaining.
1
kb228
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Mansfield, OH US
1/28/2019 2:23am
I work for a third-party-administrator. Many employers are self-insured, meaning they cover the first ($x) of claims and have reinsurance for claims that go over that...
I work for a third-party-administrator. Many employers are self-insured, meaning they cover the first ($x) of claims and have reinsurance for claims that go over that (x) amount. That amount is commonly $75,000 but can be more or less.
My company handles the claims work for those employers, sets up the reinsurance policies, sets the plan up with utilization review companies, and we offer them help creating the Plan Document...the booklet that details what is and isn't covered, defines terms, talks about when you're eligible, what happens when you leave the employer, all the HIPAA & ACA regs, etc. Sounds complicated, but self-insured plans are an extremely common way for employers to handle the health care plans for their employees. I'm in Illinois and that stupid "Hazardous Hobbies" exclusion is gaining in popularity in the midwest. I DESPISE it. A lot of our employer groups are in rural areas and yet they've found themselves with policies that exclude "hazardous hobbies" which can be defined by the policy in a number of ways, but one i read yesterday said "excluding injuries from 'riding or racing trail bikes, falling from an elevated hunting stand..." It's the exclusion de jour in the industry. Thing is...with these self-insured plans the employer has a LOT of say about what goes into the policy. Required stuff aside, they can choose to skip this exclusion...and often do when it's actually explained to them. (An company that sells and services farm machinery has rural guys working for them, and they know those guys hunt, ride ATVs and dirtbikes. No way in hell they're going to exclude coverage for common man activities.) We are not talking about being drunk and driving (meaning...doing something illegal.) Crashing your dirtbike isn't a 'self inflicted' injury either...that IS commonly excluded...because self inflicted means you intended to injure yourself. I ride and race (I'm pretty terrible but i'm 53 and have no intention of stopping)my employer knows I ride, and ya...i've gotten some sideways looks and the CFO, when I had to take a couple days off for knee surgery, DID ask if i fell off my ladder again.
kb228 - you were right to appeal. but talk to your employer too. If your insurance plan is self-funded the employer CAN choose to overturn even a denied appeal and have the claim paid. It's not uncommon.
For me, I'm going to continue to talk to my employer and the account managers (the ones who work with new groups to design the Plan Document) to help them understand how ludicrous this exclusion is. And just my personal opinion here: I really think it's another slam on 'guy' stuff. No one is excluding coverage for infected toes from a bad pedicure.
The latest in my entire ordeal is: my policy says hazardous activities are excluded as determined by the plan administrator and the only mention of dirtbikes is motocross racing.

HR is trying to tell me “motocross racing” means no dirtbike accidents whatsoever.

My appeal was denied.

End of the day, the policy is a legal document and it says motocross racing. I was riding an open ride day. Wasnt racing or even practice. I should be covered. Ive already hired a lawyer.
1/28/2019 8:19am Edited Date/Time 1/28/2019 8:23am
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?
Yea and you can keep Your doctor. And keep your insurance plan! And to boot it’s gonna save everyone about 2500 bucks a year!!!


The reason healthcare costs is inflated is because there are so many un-insured that never pay a cent....so hospitals gotta jack their cost up by double or triple hoping that one well off (poor bastard) pays the $3,000 mri bill. The poor bastard just bought his mri and 2 others that didn’t pay.
kb228
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Mansfield, OH US
1/28/2019 8:31am
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?
Yea and you can keep Your doctor. And keep your insurance plan! And to boot it’s gonna save everyone about 2500 bucks a year!!! The reason...
Yea and you can keep Your doctor. And keep your insurance plan! And to boot it’s gonna save everyone about 2500 bucks a year!!!


The reason healthcare costs is inflated is because there are so many un-insured that never pay a cent....so hospitals gotta jack their cost up by double or triple hoping that one well off (poor bastard) pays the $3,000 mri bill. The poor bastard just bought his mri and 2 others that didn’t pay.
Whats screwed up is when xrays at one hospital cost $25 and the exact same xrays at another hospital are $200. Makes absolutely no sense.
1/28/2019 8:44am
Look in your declarations for “speed contest” or “practicing for any speed contest”. If that’s in there you’re fucked.
bvm111
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9329
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Las Vegas, NV US
1/28/2019 10:32am Edited Date/Time 1/28/2019 10:33am
I have “tripped and fallen out of the back of my pickup” after loading my motorcycle multiple times.

1. I wasn’t riding a motorcycle
2. It explains why I have gear on
3. It’s not relevant how you broke the bone it’s broken and needs to be fixed
2
kb228
Posts
6161
Joined
1/31/2018
Location
Mansfield, OH US
1/28/2019 10:39am
bvm111 wrote:
I have “tripped and fallen out of the back of my pickup” after loading my motorcycle multiple times. 1. I wasn’t riding a motorcycle 2. It...
I have “tripped and fallen out of the back of my pickup” after loading my motorcycle multiple times.

1. I wasn’t riding a motorcycle
2. It explains why I have gear on
3. It’s not relevant how you broke the bone it’s broken and needs to be fixed
Lmao genius!
1
YZed250
Posts
1055
Joined
11/9/2014
Location
Costa Mesa, CA US
1/28/2019 12:03pm Edited Date/Time 1/28/2019 12:04pm
I am a licensed agent if anyone has questions about health insurance or long term care, please DM me. I am based in CA, willing to work with clients across the country.

I have been riding/racing for my entire life (5yo to 40yo) and have a pretty unique perspective to most people having been from the track to the desert to racing overseas to the hospital and back. To the OP: Good luck with your claim.
1

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