US health insurance and mtb

[Chargeride]

Given no materials apart from what was around you in a forest.
Imagine is infinitely more difficult it would be to build a tv rather than a house.
Youd need 500 billion dollars to build a tv, but they can now made for less than 50 dollars

 

[slpfrsly4]

since most americans are covered through their employer, with the insurer guaranteeing coverage of a group, there isn’t really any practical way to charge someone more for being an MTB bro, for example. and once someone is injured, care is needed and will certainly be given. i have never heard of an insurance claim being denied because the injury could have been prevented, but certainly the subrogation process can be used to go after someone else if they’re to blame for the injury. a few times we’ve had minor trauma type injuries we get very persistent calls from the insurance company trying to convince us that we got hit by a car, did we get their insurance etc.

an interesting twist on this is that i have an inherited cardiomyopathy, a very expensive one, which is exacerbated by high intensity aerobic activity. people who have this are advised to take it easy. in the more extreme cases, those who don’t take it easy end up getting transplants after a long period of increasingly expensive care. i have NEVER heard of insurance not covering these things - or letting someone die - because they did something strictly against their medical advice.

my case is not so cut and dry, both based on the genetics and presentation, but there are many people who are told : “do not exercise,” they do anyway because they love it, they get extremely sick, and millions of dollars are spent. could we have a system where full coverage required compliance with your doctors’ advice? don’t drink, smoke, get fat, etc? and what would we do for the people who ignored it? lots of people get heart disease without doing anything wrong, so who would be to say that an obese carnivore Click here got heart disease because of their behavior and not just bad luck…

But due to advances in manufacturing, globalization, and economies of scale, electronics like TVs have become drastically cheaper and better in quality

 

[kevinmccune]

my first employer finally picked up health insurance when it was cheap( they never paid much either) finally they only paid half of it and the no grow retirement plan was a joke,the last time I worked for them( before I was happily fired) they never even offered it,I guess with that awesome$12 an hour they paid couldn't afford it I suppose( of course they always had money for land purchases and hunting trips to the northwest,don't know how they could afford it,now for the other joke they had a disability plan we had to pay for( kinda expensive) when they broke my back and was off work a few months I almost got to the dollar back what I paid into it not a bit more more and it was a lot of hoops to jump through to get anything and that is the tale of the local plutocrats work force there's more,I tried to change jobs during this time period you couldn't buy a minimum wage job if they had been availible the job applicates where carefully vetted to hire the most bullshitters( made the top three more then once,always trying to recover most of this time I was suffering from hellish depressions and OCD) now I couldn't be happier don't have to meet at the shop at 5.30 am and get back to the shop at 7Pm or stay in a dogshit motel. there's more I am not going into it,the "Patriarch just passed recently and we were friends of sorts.

 

[Chazmo]

I realize this thread is stale (I always check these days since people/bots/AI seem to like to dredge up old stuff)...

When I tracked my car back in the early oughts (both autocross and track days), a lot of my fellow amateur “racers" talked about this, but the question was more about what happens if I wreck my car on the track? There are insurance concerns regarding the use of your automobile that insurance companies might not help you fix. As far as I know, all the folks who did damage were able to get claims processed. But, certain companies were discussed where the waters had been tested. I think Allstate was mentioned (not sure, and not shilling, I promise).

As for private health insurance and (most) risky pasttimes, I don’t think I’ve ever heard of a problem. I suppose it’s possible that your health insurance might get denied or jacked post-incident (not that I’ve heard of that), but if I were doing something particularly dangerous regularly I would certainly look into it.

@Chargeride your friend who keeps getting hurt… Is he covered with UK policy(s) or does he have to do something special? I realize you guys have a completely different system in UK than here (US)… Just curious. And, what is your own personal experience?

 

[stompandgo]

I can tell you how it works in bicycle racing in the USA.

For equipment, it depends on the insurance. Many insurers have exceptions for damage in competition, but not all do. There are a plethora of small insurers that will cover bike damage either universally or specifically in competition, though. Homeowner's or renter's insurance is a crap shoot. If their claims process requires a police report, good luck.

Rider personal medical insurance requirements are based on Federal regulations, but the only one tracking who has what medical insurance are the IRS and state insurance boards, so that they can collect fines. Riders may have primary insurance, or they may not. Some national governing bodies provide medical insurance as part of the rider's entry fee. This insurance is for that race day or days only, and is catastrophic insurance, with high deductibles and policy limits. This means that a rider's primary medical insurance handles most of the cost, and the race insurance pays the rest. This may or may not cover primary medical insurance deductibles. It may or may not cover incidents that occur off the race course, like getting run over in the parking lot.

 

[Chargeride]

I realize this thread is stale (I always check these days since people/bots/AI seem to like to dredge up old stuff)...

When I tracked my car back in the early oughts (both autocross and track days), a lot of my fellow amateur “racers" talked about this, but the question was more about what happens if I wreck my car on the track? There are insurance concerns regarding the use of your automobile that insurance companies might not help you fix. As far as I know, all the folks who did damage were able to get claims processed. But, certain companies were discussed where the waters had been tested. I think Allstate was mentioned (not sure, and not shilling, I promise).

As for private health insurance and (most) risky pasttimes, I don’t think I’ve ever heard of a problem. I suppose it’s possible that your health insurance might get denied or jacked post-incident (not that I’ve heard of that), but if I were doing something particularly dangerous regularly I would certainly look into it.

@Chargeride your friend who keeps getting hurt… Is he covered with UK policy(s) or does he have to do something special? I realize you guys have a completely different system in UK than here (US)… Just curious. And, what is your own personal experience?

No, just join the queue like everyone else, no questions asked