health insurance doesn't cover....

[Woofentino Pugrossi]

Beliot Memorial as far as I know writes down bike accident.:D I'll have to ask my sister-in-law about that (shes a nurse there).:D

[Bernie]

So I guess they don't pay for tobacco related illness then?  Can't get much more "reckless" than that...

Yeah that's a crock.  Next time, I'm gonna tell them that I was stupid drunk and I fell down a flight of stairs while trying to light my cigarette.

[the_weggie_man]

A friend, many years ago crashed at Blackhawk with no insurance. Broke his arm/shoulder. He had a friend drive him to the hospital and told them he had a single bike accident, no other parties involved, only damage was to him and his bike, as he simply lost control and crashed in a turn.

No more questions from the docs, no accident report since he told them he managed to get the bike up by himself and get help, no cops involved.

His work insurance covered the medical bills. He  told them he crashed in a turn due to some gravel or something on the road and they believed it. No witnesses to prove different.   ;D

[Spooner]

When I was shopping around for my insurance I asked the lady "so, if I get hurt doing something you think is dumb, are you going to cover it??"  I was nervous to mention racing but she then said no matter what I do (excluding like a suicide attempt or something) that I am covered.  Then I made sure that there wasn't a 'no competition' clause and all is good.  Luckily though my father is a physician so any little stuff he can take care of me, so all I needed was the crash and burn insurance  ;D

-Nick

[Fast4fun]

The recent HIPPA regulations were originally meant to prevent such discrimination in health insurance. By the time the ins. companies revised it, it allowed for more targeted discrimination. This is the kind of case where a good lawyer can make a difference should it come down to the wire for you being covered. Since CCS racing isn't professional, getting injured during this sanctioned event is similar to getting injured in my sanctioned hockey game. I don't feel I should have my insurance denied for that either.  I have read many interesting threads on this on the ABATE and AMA websites.

[Lowe119]

Anything in writing about the CCS being like a hockey game??? I would love to show that to my employer.
I talked to them and they said they get 10% off their premiums when they have a clause against skydiving, bungi-jumping, and racing. It also covers all professional sports activites. I asked if I could pay extra to be covered and they said they'd check into it.
So it isn't as bad as first perceived - with the whole "deamed wreckless" but it's good to check into it.
I am not a good lier and I'd rather tell the hospital and employer the truth - that's just me though.  :-/

[Bernie]

People get hurt doing all kinds of normal stuff.  Life is dangerous.  I'd be tempted to ask them if their insurance would cover them if I shoved their crappy policy up their ass.

[Baltobuell]

It would be dangerous and reckless to have issued that policy to Bernie, so no, in this instance they would not be covered.

Lowe, your car ins isn't 50 pages of fine print and doesn't have a loophole for rain does it? Health ins co.s are creating an illusion when they write the policy.