Medical Insurance Question

Ok so last time I was at Beaver I fell down and went boom.
I'm from NY so naturally my ER visit was out of plan or network.
I contacted the insurance company being very vague on
what and how it happened. They said since it was an emergency
they would cover it 100%.

So what happens if the Beaver bites me again? I mean an
emergency is an emergency and it'll be again an out of plan
hosipital visit. I'm sure they'll cover it, but what I'm curious
is this is a high risk activity and will they screw with me.
Can they drop me? My medical insurance is sponsored/covered
through my place employment. I mean they can't deny the claim can they?

I haven't gotten any documentation on my first ER visit yet and
I would rather not get stuck with a 5 or 10K bill. Just to tell me
I have nothing upstairs anyway Not to be pessamistic or
anything but just would rather have all the facts and possible
outcomes. I mean I don't want to call the insurance company and
tip my hand or alert them to anything they may or may not have
noticed yet. Trust me they suck Calling them after I got out
of the hospital to alert them of the situation and start a claim was
an ummm interesting process.

Operator: No you don't need to file a claim, the other vehicle's
insurance will cover your medical cost.
Me: ummm there wasn't another vehicle
Operator: Well then your insurance company will cover the cost
Me: ummm there's no insurance on the bike
Operator: What did you hit?
Me: The ground
Operator: What happened?
Me I don't know I was knocked out

I tried to use the words race and or racetrack as little as possible.
BTW it's an HMO plan.

 

It's NOT a race. It was a practice day and you were working on your skills improvement on a closed course.

From what I've read/heard...this is the best approach. Do NOT mention anything about race or money race. Those are biiiig no-no's.

I was ambulanced a few years back from Roebling. I think I paid maybe $50 out of pocket total.

 

Never mention the words Organized Racing, or anything that would lead to that.

If it it unavoidable tell them it was a "School" of some sort and that you were learning how to be a better rider on a closed course for safety reasons. Play up the fact that you were not being an idiot on the street. Just avoid anything that would bring the word race into the discussion.

That and just don't wreck again

 

That's insane! You won't have any control over what gets mentioned if you're transported unconscious. And the EMT's file a report so the insurance company can easily find out exactly what you were doing anyway.

 

if its a group plan with your employer your fine!!!! they have to take the good with the bad (guess your the bad) and can't just cancel you. if its a smaller company they could choose to not renew the companies plan or jack the rates up for next year... i wouldn't sweat it. My big crash was no secret.. i told Blue cross blue sh i crashed out of first place and didn't win any money because of it... didn't phase them... its just us fools on independant plans that really have to worry.....

 

It's been 10 years since I filed a race-oriented claim, but they got real suspicious at vague answers. When I finally admitted it was a practice day they asked me to check if the sponsoring company offered any coverage, and took my word of "no."
Small company policy, claim included emergency visit, hand surgery, shoulder surgery, rehab: covered it all.
Lie and if they catch you, your name is dirt forever

 

That could very well be the case, but if the fact that you were racing is really that big a deal with the insurance company maybe some supplemental Ins. is the answer. The best thing to do is probably call the Ins. company and ask them how the coverage works for that type of activity.

 

Heheheh Guess I am the bad that's too freakin funny you
told them you crashed outta first place and didn't win any money.
Still laughing over that.

The policy is through a large international company. MVP is the
insurance carrier all though the 2 other choices are Metlife
and some other fools. My guess is the worst case scenario they
can force or put pressure on the company to make me switch
to another insurance carrier more towards a non HMO. The other
option a point of service plan or what ever they're called. The
one's were you can choose your own doctors or what ever.

I didn't take the ambulence ride, which was kinda messed up.
Because I was messed up. Grade two concussion with loss
of conciousness. I was out for about 5 minutes. The EMT's asked
me if I was ok when I woke up, I replied with yeah why? having
no memory of what just happened. They took me back to the
pits and that was it. Just can't believe they took my word for it
that I was ok. I had no idea what I was saying. I'm sure if they
had asked who I was I would have given some sort of interesting
answer. I was a space cadet for about a week after that one
Took us about 10 minutes to get back to my pit. Since I couldn't
remember where we pitted. Thank god the guy next to us flagged
the crash truck down after seeing us go round a few times

as far as not wrecking again, already got the nth degree from the
wife about that one something about kicking my a$$ if I do it
again

 

Wives are good at that

Always looking at the down side of things.

 

BTW I lost the front in T-2 and some how smacked my noggin
on the track knocking myself out. Killing my brand new sweet
arse Arai helmet.

When I didn't come around after she saw the red flag she walked
over to the hill at T-1. When she saw I was up and walking
around after a few minutes she started ummm trying to communicate
with me in nasty, upset, phrases utilizing her favorite 1 finger
method of communication

 

Nice to have "support" at the track. I'd leave her at the house! :wow:

 

A shrewd insurance company will ask to see the ambulance report and it will say FROM BeaveRun Raceway to ABC hostpital. They will call the track and ask what was going on that weekend.

They are wising up to this. Insurance fraud is a felony in all 50 states. Not a big chance you'll get caught but they will BBQ your ass if they do catch you.

My .02 worth

 

If it is a track day you don't have to fib. (But you still can)

 

So what does that leave as a solution?

Also I heard of issues with medical insurance and helicopter rides
especially at a track event. How do you get out of that one? I
heard stories of the insurance company refusing to pay for the ride.
I hope I never find out.

 

You are competing in a sport. You are not doing this as a business. There is no difference between this and a guy who breaks a leg in the company softball league. I've checked into this with my company several times. Sports activities are covered, as long as you aren't doing it as a side profession. That is unless there are specific activities they exclude. Skydiving is excluded by my insurance.

 

I always just said that I fell off of my motorcycle, in whatever town I was racing in. Not a lie at all.

 

Not to keep pushing this thread but I'm quite interested.
I don't like suprises or medical bills

How did you approach your insurance company or place of
employment about finding out the above info? IE what activites
they exclude. I mean from above I would gather you just called
them up and asked?

 

What is excluded should be in your policy. Don't take anyone's word for it over the phone.

 

I've said something very similar... I was off road motorcycling at (insert track or town name) and fell off, that way they don't go looking for a police report that doesn't exist thinking it was an on road incident. If they ask further, you can elaborate and your original comment isn't a lie, so it isn't fraud. Be very careful about lying to insurance companies.

I have often seen the exclusion for "organized speed competition" on many insurance policies, namely disability policies.

 

I've requested a copy of my policy through my insurance company.

That would work well if no ambulence trip or really expensive
high flying site seeing trip were included.