How many of you have health insurance? - Sportbike Forum: Sportbike Motorcycle Forums
View Poll Results: Do you have health insurance?
Yes, via my employer. 31 64.58%
Yes, I buy personal coverage. 8 16.67%
No 9 18.75%
Voters: 48. You may not vote on this poll

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post #1 of 21 (permalink) Old 06-21-2006, 08:42 AM Thread Starter
 
Join Date: Jan 2005
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How many of you have health insurance?

In a local motorcycling forum a rider went down this weekend. His motorcycle was destroyed and he had to be helicoptered to the local hospital. Apparently he had only basic motorcycle insurance (liability) and no health insurance so people are pitching in to help.

However there are lots of us who question why anyone would be riding an $8000 sportbike if he can't afford both full insurance for the bike and health insurance to cover the medical bills in the event of an incident.

So I wanted to ask the group here. How many of you have health insurance?
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post #2 of 21 (permalink) Old 06-21-2006, 08:50 AM
 
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my bike insurance includes medical, up to $2500 (the ER visit) employer covers the rest via blue cross.



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post #3 of 21 (permalink) Old 06-21-2006, 09:26 AM
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Even though the only bike we currently have is a Buell Blast, spicersh and I carry full coverage on it because you just. never. know.

We also have excellent medical coverage through his employer (we do pay a monthly fee towards premiums), and that's another thing I would never go without because you just. never. know.

We had a baby in 2004 and after all the bills were in for prenatal care, delivery, hospital and the first year of baby care (well baby visits, immunizations and two sick visits), we would have been looking at well over $40K, but only paid around $50 in copays all told.

Bottom line? We can afford the set monthy insurance premiums, we *can't* afford any huge medical bills or wrecked vehicle bills that might pop up, so it makes sense to carry insurance.

"I often wonder why I talk to you, then I realize, although you put me down, you do it with love." - Jester
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post #4 of 21 (permalink) Old 06-21-2006, 10:00 AM
 
Join Date: Apr 2006
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in florida you have to have a minimum of 10000 health insurance, which is what i have but being in the millitary as long as im wearing a helmet im covered if anything were to happen
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post #5 of 21 (permalink) Old 06-21-2006, 10:06 AM
 
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Quote:
Originally posted by SkinnyJ
in florida you have to have a minimum of 10000 health insurance, which is what i have but being in the millitary as long as im wearing a helmet im covered if anything were to happen
You only need a minimum of 10k if you ride without a helmet, other than that you just need to have proof of liability in a crash. I have health insurance, but not in the event of a wreck on my bike. So long as the accedent is not deemed bike related, I'm covered. I only have the minimum liability on it, but once I get a job that pays for my health insurance and what not, I will be going full coverage.
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post #6 of 21 (permalink) Old 06-21-2006, 11:50 AM
 
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Can I sub that with LIFE INSURANCE plus the so called Cdn health insurance --------- not to good for I know(man do I evey know for I cannot walk more then a block) I need a hip replacement, from an old home accident in winter Dec or '89, only have to wait a few months before I can see the specialist & basically 18 month or longer waiting list on the latter? LOL
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post #7 of 21 (permalink) Old 06-21-2006, 11:59 AM
 
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Quote:
Originally posted by Smitty
Can I sub that with LIFE INSURANCE plus the so called Cdn health insurance --------- not to good for I know(man do I evey know for I cannot walk more then a block) I need a hip replacement, from an old home accident in winter Dec or '89, only have to wait a few months before I can see the specialist & basically 18 month or longer waiting list on the latter? LOL
The joys of socialized medical system....



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post #8 of 21 (permalink) Old 06-21-2006, 01:28 PM
 
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Dual citizenship bitches, Ohh Canada! lol jk. When I crash, I get Dr. Quinn Medicine Woman to heal me up.
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post #9 of 21 (permalink) Old 06-21-2006, 09:51 PM
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I think you would have to be crazy not to have insurance as a rider. My accident from last August cost almost 7k, and that was for only an 8 hour stay. Granted they ran me through just about every scan they could think of in the ER.

While I don't know the exact cost, my bro-inlaw was in an accident a year before me. I think it would be safe to say his cost was well above 100k. Hell, the life flight was almost 10k.

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post #10 of 21 (permalink) Old 06-21-2006, 10:28 PM
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Personal Injury Protection, aka "PIP", is what you want on your vehicle insurance.

It has to be requested in most states, or you waive it, usually by a signed document that agents often do not explain to you. Get the max limits (which should be way more than $2500) on it. On bikes it is not as high as for cars, but it will pay bills regardless of your health insurance coverage, and not everyone has Cadillac health insurance like Spicerke, so there could be a lot of loopholes that either delay your HI coverage or their payments on services so the PIP comes in very handy in the event of an accident.

Fuster

"...If you can meet with triumph and disaster, and treat those two imposters the same....you'll be a Man, my Son!"

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