Which heli company does HPR/MRA use?

[Snowman]

Ummm, ok, but I don't get you....or get how sarcasm comes through in text. You sound like you were serious and your post above this still makes it sound like certain insurance companies will not cover you in a emergency (not sure in a pro racing setting however). I am a health insurance expert so was just trying to help out

And yes, any secondary insurance is going to pick up what the first one doesn't cover (maybe not all but most.) Hell you can even get a third insurance to really make sure....and this does not have to be a company like Aflac; any insurance company (like UHC, BCBS, Aetna, etc) offers secondary insurance as long as you pay for it (or get it through your spouse).

Insurance for insurance that covers the holes in your insurance? Do you not see the problem with that?

The answer to the OPs question is that you will have to ask the people you have insurance with. "I race motorcycles with the MRA at a track that might require me to be air lifted out. Do you pay the cost of this?" I suggest you get the answer in writing.

All the other people who are there to respond to our mistakes, I have complete trust and admiration for. Every EMT, Doctor and Medical staff that has dealt with any of the riders that have ever been down in our sport. What they do to bring us back are nothing less than human created miracles.

[bulldog]

Insurance for insurance that covers the holes in your insurance? Do you not see the problem with that?

The answer to the OPs question is that you will have to ask the people you have insurance with. "I race motorcycles with the MRA at a track that might require me to be air lifted out. Do you pay the cost of this?" I suggest you get the answer in writing.

All the other people who are there to respond to our mistakes, I have complete trust and admiration for. Every EMT, Doctor and Medical staff that has dealt with any of the riders that have ever been down in our sport. What they do to bring us back are nothing less than human created miracles.

Well virtually no insurance covers 100% and even the best plans have a copay/deductible you have to pay, so really it is not "holes" in insurance as much as it is covering the patients part. Even Medicare has a copay they require patients to pay. I agree our insurance system sucks and it is not about care as much as it is profit.

But yeah you are right and "racing" may be one exception to them denying a claim. As you said best to check on this before it happens to you and then really consider the risk! I see claim bills in the millions for accidents so there is a good chance you could be stuck with this bill if they do not cover you.

A lot of times you can say the injury happened somewhere else and they will never questions it, but a ambulance ride or a heli ride will always give them the point of pickup and there is no denying that.

This really could be a huge risk for people that race and they need to be aware of it before they find themselves with huge medical bills!

[Grim2.0]

Well virtually no insurance covers 100% and even the best plans have a copay/deductible you have to pay, so really it is not "holes" in insurance as much as it is covering the patients part. Even Medicare has a copay they require patients to pay. I agree our insurance system sucks and it is not about care as much as it is profit.

But yeah you are right and "racing" may be one exception to them denying a claim. As you said best to check on this before it happens to you and then really consider the risk! I see claim bills in the millions for accidents so there is a good chance you could be stuck with this bill if they do not cover you.

A lot of times you can say the injury happened somewhere else and they will never questions it, but a ambulance ride or a heli ride will always give them the point of pickup and there is no denying that.

This really could be a huge risk for people that race and they need to be aware of it before they find themselves with huge medical bills!

The answer is simple, have someone drag the bike to the road outside of the track. Recite these words: "I got hit by a car and they took off"

Bingo bango bongo

[bulldog]

The answer is simple, have someone drag the bike to the road outside of the track. Recite these words: "I got hit by a car and they took off"

Bingo bango bongo

Hate to say it, but yup! That is if you can be moved or the ambulance/heli was not already called. Most people call 911 right away before the hurt person even knows so still good to check on this before it happens!

[rforsythe]

Hate to say it, but yup! That is if you can be moved or the ambulance/heli was not already called. Most people call 911 right away before the hurt person even knows so still good to check on this before it happens!

A bit harder to stage your wreck at a track where there's on-site medical crews standing by for your yard-sale moment.

[bulldog]

A bit harder to stage your wreck at a track where there's on-site medical crews standing by for your yard-sale moment.

For sure! And don't think these insurance companies won't spend money to investigate either, because they will; they have entire departments just for this. Then you get insurance fraud charges on top of it all.