Serious injuries and help? Sensitive topic.

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1/31/2019 5:27 AM

Besides personal health insurance , who helps the Average Joe when they get seriously injured?

Road to Recovery?

With the recent injures of 2 public figures in our sport it got me thinking, why are they any different from us?




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1/31/2019 5:41 AM

Here is my take. If you choose to partake in a sport that has an average of having more injuries than let's say beer pong, than it's a good idea to be insuranced up and a bank account that can cover you for a few months.

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1/31/2019 5:51 AM

I Don't think most riders have as good of insurance as most of us. Just speculating of course and in some cases the circumstances are more severe, not necessarily the injury itself but where they may be, as in Peick's case. Stuck in another country speaking a foreign language. Personally I've had 3 back surgeries, an artificial disc in my back and broke my back for the 2nd time last October but my coverage took care of most of the expenses. But hell that was just one body part lol.....it does add up.

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1/31/2019 6:12 AM

Considering r2r only raised $325k in 2018, theres not a whole lot they can really do. That amount of money isnt anything in the medical bill world.

For comparison purposes, i broke my leg and collarbone and the bill total is $130,000. 1 person can wipe out 1/3 of the funds. R2r isnt st judes.

Photo

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1/31/2019 9:01 AM

coastlinecascot wrote:

Here is my take. If you choose to partake in a sport that has an average of having more injuries than let's say beer pong, than it's a good idea to be insuranced up and a bank account that can cover you for a few months.

I have health insurance but it excludes moto. I don't ride anymore but what say ye to most policies excluding activities like this? lie to the insurance company? Might want to examine your policy closely....

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1/31/2019 9:25 AM

I would imagine a lot of young pros are under their parents insurance until they’re 26. If you don’t have health insurance, probably shouldn’t be racing....

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GP740
Since 1987

1/31/2019 9:42 AM

When I read posts like this it makes me happy I’m Canadian. I busted my pelvis and thumb 3 years ago, cost me 85$ for the ambulance ride(I could of called a rescue chopper in for the same 85$). Did not cost me a penny once I was in hospital and the company I worked for had group insurance to pay my wages for the 6 months I was off.
I always thought your Declaration of Independence started with “we the people “? If you put politics aside, just try for a second, don’t you think paying 1 or 2% more in taxes so you and your fellow Americans(we the people) didn’t have to worry about being sick, getting hurt or just going to a Dr. would be a good thing?

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1/31/2019 9:52 AM

I didn’t have good insurance and didn’t have a good paying job shortly after college so I didn’t ride.

I now have a good paying job and excellent insurance. I also purchase short term disability insurance. Have a plan in place whether you participate in a dangerous sport or not. Anything can happen.

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1/31/2019 10:07 AM

jjavaman wrote:

When I read posts like this it makes me happy I’m Canadian. I busted my pelvis and thumb 3 years ago, cost me 85$ for the ambulance ride(I could of called a rescue chopper in for the same 85$). Did not cost me a penny once I was in hospital and the company I worked for had group insurance to pay my wages for the 6 months I was off.
I always thought your Declaration of Independence started with “we the people “? If you put politics aside, just try for a second, don’t you think paying 1 or 2% more in taxes so you and your fellow Americans(we the people) didn’t have to worry about being sick, getting hurt or just going to a Dr. would be a good thing?

So true, could've just said our society.Don't know why the good old USA can't figure this out.

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1/31/2019 10:07 AM

My point was why is Weston more deserving than Joe Blow to receive money from R2R?
Even if it's only 5k, that 5k would be more helpful to Joe than WP.

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1/31/2019 10:23 AM

49weasel wrote:

My point was why is Weston more deserving than Joe Blow to receive money from R2R?
Even if it's only 5k, that 5k would be more helpful to Joe than WP.

People of higher status are always favored in society. Its the way it is whether we like it or not.

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1/31/2019 10:43 AM
Edited Date/Time: 1/31/2019 10:44 AM

jjavaman wrote:

When I read posts like this it makes me happy I’m Canadian. I busted my pelvis and thumb 3 years ago, cost me 85$ for the ambulance ride(I could of called a rescue chopper in for the same 85$). Did not cost me a penny once I was in hospital and the company I worked for had group insurance to pay my wages for the 6 months I was off.
I always thought your Declaration of Independence started with “we the people “? If you put politics aside, just try for a second, don’t you think paying 1 or 2% more in taxes so you and your fellow Americans(we the people) didn’t have to worry about being sick, getting hurt or just going to a Dr. would be a good thing?

I'm with you but here are some arguments I often hear:

* Have you seen the clusterf*ck at the department of motor vehicles? You want to see that at your local clinic or Hospital???

* yeah but my buddy in [insert name of country with poor functioning single payer insurance] had to wait like 2 months for a [insert routine procedure/test]

* I live in BFE and the closest clinic is X hours away. Why should I pay into a system I can't use/access?

* socialism!!! stranger danger!!! fascism!!!


As to the OP....my understanding is that R2R is a private organization that defines its own charter and can therefore help whomever it deems worthy of receiving said help.

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1/31/2019 10:47 AM
Edited Date/Time: 1/31/2019 10:48 AM

agn5009 wrote:

I didn’t have good insurance and didn’t have a good paying job shortly after college so I didn’t ride.

I now have a good paying job and excellent insurance. I also purchase short term disability insurance. Have a plan in place whether you participate in a dangerous sport or not. Anything can happen.

X2 and if the bills exceed your insurance coverage, make payment plans to the hospiital. Not a gofund me account. And people can sell shit they dont need. Gotta love gofund me for people driving nice cars trucks, street bikes. Sell your shit pay the bills

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1/31/2019 10:50 AM

agn5009 wrote:

I didn’t have good insurance and didn’t have a good paying job shortly after college so I didn’t ride.

I now have a good paying job and excellent insurance. I also purchase short term disability insurance. Have a plan in place whether you participate in a dangerous sport or not. Anything can happen.

mxb2 wrote:

X2 and if the bills exceed your insurance coverage, make payment plans to the hospiital. Not a gofund me account. And people can sell shit they dont need. Gotta love gofund me for people driving nice cars trucks, street bikes. Sell your shit pay the bills

The problem is, most people don’t own the stuff to sell. They owe more to the loan company than what the toy or vehicle or whatever is worth.

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1/31/2019 10:56 AM

jjavaman wrote:

When I read posts like this it makes me happy I’m Canadian. I busted my pelvis and thumb 3 years ago, cost me 85$ for the ambulance ride(I could of called a rescue chopper in for the same 85$). Did not cost me a penny once I was in hospital and the company I worked for had group insurance to pay my wages for the 6 months I was off.
I always thought your Declaration of Independence started with “we the people “? If you put politics aside, just try for a second, don’t you think paying 1 or 2% more in taxes so you and your fellow Americans(we the people) didn’t have to worry about being sick, getting hurt or just going to a Dr. would be a good thing?

problem with this is it wont be 1 or 2%. we would have to fix the entire medical billing problem because its a scam. I'm sure they aren't charging $400 for a butterfly bandaid and another $400 for some superglue. They charge this because they all get away with it currently. Hospitals, medical care, and medical insurance is all a scam and they are all in it together

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1/31/2019 11:00 AM

jjavaman wrote:

When I read posts like this it makes me happy I’m Canadian. I busted my pelvis and thumb 3 years ago, cost me 85$ for the ambulance ride(I could of called a rescue chopper in for the same 85$). Did not cost me a penny once I was in hospital and the company I worked for had group insurance to pay my wages for the 6 months I was off.
I always thought your Declaration of Independence started with “we the people “? If you put politics aside, just try for a second, don’t you think paying 1 or 2% more in taxes so you and your fellow Americans(we the people) didn’t have to worry about being sick, getting hurt or just going to a Dr. would be a good thing?

rocky94 wrote:

problem with this is it wont be 1 or 2%. we would have to fix the entire medical billing problem because its a scam. I'm sure they aren't charging $400 for a butterfly bandaid and another $400 for some superglue. They charge this because they all get away with it currently. Hospitals, medical care, and medical insurance is all a scam and they are all in it together

This.

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Braaapin' aint easy.

1/31/2019 11:03 AM

agn5009 wrote:

I didn’t have good insurance and didn’t have a good paying job shortly after college so I didn’t ride.

I now have a good paying job and excellent insurance. I also purchase short term disability insurance. Have a plan in place whether you participate in a dangerous sport or not. Anything can happen.

mxb2 wrote:

X2 and if the bills exceed your insurance coverage, make payment plans to the hospiital. Not a gofund me account. And people can sell shit they dont need. Gotta love gofund me for people driving nice cars trucks, street bikes. Sell your shit pay the bills

agn5009 wrote:

The problem is, most people don’t own the stuff to sell. They owe more to the loan company than what the toy or vehicle or whatever is worth.

Payment plans to the hospital, they will help making a payment.plan. Gofund me isnt meant to bail out the irresponsible.

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1/31/2019 11:05 AM
Edited Date/Time: 1/31/2019 11:06 AM

agn5009 wrote:

I didn’t have good insurance and didn’t have a good paying job shortly after college so I didn’t ride.

I now have a good paying job and excellent insurance. I also purchase short term disability insurance. Have a plan in place whether you participate in a dangerous sport or not. Anything can happen.

mxb2 wrote:

X2 and if the bills exceed your insurance coverage, make payment plans to the hospiital. Not a gofund me account. And people can sell shit they dont need. Gotta love gofund me for people driving nice cars trucks, street bikes. Sell your shit pay the bills

I agree.

When I see at least $100k or more of extra vehicles on someone's Instagram page and then 10 posts later they are asking people to donate to R2R to help them out seems kinda shitty to me.

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1/31/2019 11:07 AM

jjavaman wrote:

When I read posts like this it makes me happy I’m Canadian. I busted my pelvis and thumb 3 years ago, cost me 85$ for the ambulance ride(I could of called a rescue chopper in for the same 85$). Did not cost me a penny once I was in hospital and the company I worked for had group insurance to pay my wages for the 6 months I was off.
I always thought your Declaration of Independence started with “we the people “? If you put politics aside, just try for a second, don’t you think paying 1 or 2% more in taxes so you and your fellow Americans(we the people) didn’t have to worry about being sick, getting hurt or just going to a Dr. would be a good thing?

rocky94 wrote:

problem with this is it wont be 1 or 2%. we would have to fix the entire medical billing problem because its a scam. I'm sure they aren't charging $400 for a butterfly bandaid and another $400 for some superglue. They charge this because they all get away with it currently. Hospitals, medical care, and medical insurance is all a scam and they are all in it together

You're right it won't be just 1 or 2%, but your overall cost for healthcare would likely still be lower. And I also agree that it would be a big undertaking since the entire system is broken.

I've lived in the both the US and in Europe for significant periods of time. The 'we the people' mindset didn't seem to exist in the US. It was more of a 'personal responsibility' approach. I don't intend this to be a negative comment towards the US.. I'm just pointing out that many things that would fall under the 'we the people' category in Europe are frowned upon in the US. I believe this is a big reason why you don't see support in the US for a tax increase for healthcare.

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1/31/2019 12:05 PM

jjavaman wrote:

When I read posts like this it makes me happy I’m Canadian. I busted my pelvis and thumb 3 years ago, cost me 85$ for the ambulance ride(I could of called a rescue chopper in for the same 85$). Did not cost me a penny once I was in hospital and the company I worked for had group insurance to pay my wages for the 6 months I was off.
I always thought your Declaration of Independence started with “we the people “? If you put politics aside, just try for a second, don’t you think paying 1 or 2% more in taxes so you and your fellow Americans(we the people) didn’t have to worry about being sick, getting hurt or just going to a Dr. would be a good thing?

Bermworm wrote:

So true, could've just said our society.Don't know why the good old USA can't figure this out.

$!

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1/31/2019 12:37 PM

jjavaman wrote:

When I read posts like this it makes me happy I’m Canadian. I busted my pelvis and thumb 3 years ago, cost me 85$ for the ambulance ride(I could of called a rescue chopper in for the same 85$). Did not cost me a penny once I was in hospital and the company I worked for had group insurance to pay my wages for the 6 months I was off.
I always thought your Declaration of Independence started with “we the people “? If you put politics aside, just try for a second, don’t you think paying 1 or 2% more in taxes so you and your fellow Americans(we the people) didn’t have to worry about being sick, getting hurt or just going to a Dr. would be a good thing?

Bermworm wrote:

So true, could've just said our society.Don't know why the good old USA can't figure this out.

Forty wrote:

$!

Being employed by a company who covers my health insurance in the states, with a very small deductible (had a large get off myself in June of 18), kind of makes this an unfair comparison.

For those who do have to pay out of pocket via at a discount through their employer, or through some personal insurance where they pay the entire premium, Whats the average cost?

To make it fair, can I ask what the average Canadian would pay on say, 75,000$ CDN in income tax as a single person?
Lets say in a state with state income tax, comibining all taxes together you paid 25% of your gross in income tax barring any wild deductions. That'd be about 19k give or take.

Because I have no idea, although i've heard statements from others before, approximately 50% for a middle class two income family in canada, lets just assume 32% in Canada for a single earner. Thats 24000.

Difference of 5000$/year, ~415$ a month. Are those in the states paying 415 a month or more for insurance on average?

I have no idea, I just made quite a few of these numbers up but the math would hold true barring the currency conversion ect ect. Ovbiously any difference in tax isnt immediately tied to health care, but from what i've seen in general, everything in Canada costs more. Fuel, Vehicle Registrations ect, even with the exchange rate as good as it is at the moment.

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1/31/2019 1:05 PM

Bermworm wrote:

So true, could've just said our society.Don't know why the good old USA can't figure this out.

Forty wrote:

$!

dmm698 wrote:

Being employed by a company who covers my health insurance in the states, with a very small deductible (had a large get off myself in June of 18), kind of makes this an unfair comparison.

For those who do have to pay out of pocket via at a discount through their employer, or through some personal insurance where they pay the entire premium, Whats the average cost?

To make it fair, can I ask what the average Canadian would pay on say, 75,000$ CDN in income tax as a single person?
Lets say in a state with state income tax, comibining all taxes together you paid 25% of your gross in income tax barring any wild deductions. That'd be about 19k give or take.

Because I have no idea, although i've heard statements from others before, approximately 50% for a middle class two income family in canada, lets just assume 32% in Canada for a single earner. Thats 24000.

Difference of 5000$/year, ~415$ a month. Are those in the states paying 415 a month or more for insurance on average?

I have no idea, I just made quite a few of these numbers up but the math would hold true barring the currency conversion ect ect. Ovbiously any difference in tax isnt immediately tied to health care, but from what i've seen in general, everything in Canada costs more. Fuel, Vehicle Registrations ect, even with the exchange rate as good as it is at the moment.

At my former firm as a partner I paid full freight for my health insurance for me, spouse and one qualified kid. It was about $25,000+ a year out of pocket. That was cost per employee for the firm, not unique to me apart from owners paid full cost. In operations at my current firm this about the same overall cost, although it the costs are shared by employer and employee.

If folks are serious about post injury financial help, private disability policies are worth exploring, especially if you are the breadwinner for a family.

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Twitter: @ftemoto
Instagram: @mstusiak

1/31/2019 1:14 PM
Edited Date/Time: 1/31/2019 1:15 PM

Zooki wrote:

You're right it won't be just 1 or 2%, but your overall cost for healthcare would likely still be lower. And I also agree that it would be a big undertaking since the entire system is broken.

I've lived in the both the US and in Europe for significant periods of time. The 'we the people' mindset didn't seem to exist in the US. It was more of a 'personal responsibility' approach. I don't intend this to be a negative comment towards the US.. I'm just pointing out that many things that would fall under the 'we the people' category in Europe are frowned upon in the US. I believe this is a big reason why you don't see support in the US for a tax increase for healthcare.

The problem with any of these more "socialistic" undertakings is the US has an enormous number of people happy to live off the government dole. In these smaller European countries the systems can work much more efficiently because I don't believe you have 30 to 40% of your citizens happy doing as little as possible and letting the government bail them out. I could be wrong. For example, in Sweden, I can't imagine you have 3 or 4 million of your 10 million citizens content to be a burden on society.

I will also say Americans would not be keen on rationing of healthcare. The average wait for an MRI in Canada is 11 weeks. Seeing a specialist takes a long time as well, etc. In the US you might wait a week or two for a routine MRI, but can usually get one immediately if needed. The horror stories of socialized medicine scare Americans, and there may be some legitimacy to it, some of it may be overblown. But Americans pay for that access, medical costs in the US are indeed out of control for many reasons.

https://www.fraserinstitute.org/studies/waiting-your-turn-wait-times-for-health-care-in-canada-2016


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1/31/2019 1:22 PM

To the extent rationing is used here as a proxy for having to wait, try seeing a specialist without an emergency and you'll find out just how rationed medical care is America.

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Twitter: @ftemoto
Instagram: @mstusiak

1/31/2019 1:26 PM

FreshTopEnd wrote:

To the extent rationing is used here as a proxy for having to wait, try seeing a specialist without an emergency and you'll find out just how rationed medical care is America.

Depends on where you are, what kind of coverage you have, etc. Could be pretty quick, or to your point it can take some time, measured usually in a few weeks. Article I referenced said in Canada the average time to see a specialist is 20 weeks from time of referral...

"Specialist physicians surveyed report a median waiting time of 20.0 weeks between referral from a general practitioner and receipt of treatment—longer than the wait of 18.3 weeks reported in 2015."

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1/31/2019 3:04 PM

jjavaman wrote:

When I read posts like this it makes me happy I’m Canadian. I busted my pelvis and thumb 3 years ago, cost me 85$ for the ambulance ride(I could of called a rescue chopper in for the same 85$). Did not cost me a penny once I was in hospital and the company I worked for had group insurance to pay my wages for the 6 months I was off.
I always thought your Declaration of Independence started with “we the people “? If you put politics aside, just try for a second, don’t you think paying 1 or 2% more in taxes so you and your fellow Americans(we the people) didn’t have to worry about being sick, getting hurt or just going to a Dr. would be a good thing?

1 or 2% more? Really???blink

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1/31/2019 3:05 PM

FreshTopEnd wrote:

To the extent rationing is used here as a proxy for having to wait, try seeing a specialist without an emergency and you'll find out just how rationed medical care is America.

Just south of Paradise... wrote:

Depends on where you are, what kind of coverage you have, etc. Could be pretty quick, or to your point it can take some time, measured usually in a few weeks. Article I referenced said in Canada the average time to see a specialist is 20 weeks from time of referral...

"Specialist physicians surveyed report a median waiting time of 20.0 weeks between referral from a general practitioner and receipt of treatment—longer than the wait of 18.3 weeks reported in 2015."

Exactly...

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1/31/2019 3:59 PM

mxb2 wrote:

X2 and if the bills exceed your insurance coverage, make payment plans to the hospiital. Not a gofund me account. And people can sell shit they dont need. Gotta love gofund me for people driving nice cars trucks, street bikes. Sell your shit pay the bills

agn5009 wrote:

The problem is, most people don’t own the stuff to sell. They owe more to the loan company than what the toy or vehicle or whatever is worth.

mxb2 wrote:

Payment plans to the hospital, they will help making a payment.plan. Gofund me isnt meant to bail out the irresponsible.

Agreed.

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1/31/2019 4:37 PM

If you're looking for an honest answer, everyone should be responsible, have insurance and deal with whatever costs arise from an injury. As stated above, hospitals set up payment plans when cannot afford to pay the bills immediately. At least, they do in my area of Ohio. I have good insurance and have had to make payments on 3 separate injuries, just to pay my cut of the deductibles.

That said, it came to a point that I had to decide how hard I wanted to run. I have a great job, in a position of leadership and 4 kids. It was time to back it down.

Anyone with the thought process of "I can't afford insurance" shouldn't be riding. Period. Everyone knows the risk and injuries are inevitable. If you don't have the means to protect yourself with insurance and the financial burden of medical bills, you need to find a new hobby. To look for financial support to subsidize irresponsibility is ridiculous.

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1/31/2019 5:27 PM
Edited Date/Time: 1/31/2019 5:28 PM

coastlinecascot wrote:

Here is my take. If you choose to partake in a sport that has an average of having more injuries than let's say beer pong, than it's a good idea to be insuranced up and a bank account that can cover you for a few months.

mjr119 wrote:

I have health insurance but it excludes moto. I don't ride anymore but what say ye to most policies excluding activities like this? lie to the insurance company? Might want to examine your policy closely....

I took a job as a project manager with a large company with excellent healthcare and dental. I still do occasional construction side jobs . Our insurance covers everything. Even no referal specialist. It's a choice I made to work for the man for great insurance.
The other insurance I was also referring to is short term disability and or aflac type coverage. Also always have at least 6 months of savings and try not to have debt. Now I can play with the dirt scooter without worry and go snowboarding if my knee is up to it.

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