Which heli company does HPR/MRA use?

[Foolds]

I would highly suggest having additional accidental insurance to cover what your main medical plan does not. I have Aflec and it runs another $40/month.

Then again, I work in insurance and get worse coverage than what my clients see.

Last I heard Aflac didnt cover motorsports.

[sprtbkbabe]

Last I heard Aflac didnt cover motorsports.

No group health plan/insurance policy covers "professional motorsports" where you get paid to race. We're not at that level. Recreational is something else

[rybo]

Last I heard Aflac didnt cover motorsports.

I've had AFLAC and it has covered for me

[Snowman]

It sounds cheaper to just rent the copter.

So we will have to look at all the reviews from those offering the service, get competitive bids, figure out which is most cost effective for your articular situation, negotiate any discounts there might be. That's how the free enterprise system is suppose to work and guarantee value for the money you spend.

Of course most of us are not skilled enough to preform this task while unconscious strapped to a back board.

So we have insurance to cover these expenses.

But when these policies change yearly and are several pages of legal explanations as to what is and isn't covered, who really knows if it even covers anything at all. And so we have people working for the insurance company whose job it is to make as much profit for their shareholders as possible, making choices about what health care you should have or not. Leaving us to buy insurance to cover the insurance. And some how this is better than all of us being on Medicare.

So back to my main question. Where can I rent a copter?

[rybo]

It sounds cheaper to just rent the copter and pilot.



So back to my main question. Where can I rent a copter?

Here:

http://frontrangehelicopters.com/

[bulldog]

It sounds cheaper to just rent the copter and pilot.

So we will have to look at all the reviews from those offering the service, get competitive bids, figure out which is most cost effective for your articular situation, negotiate any discounts there might be. That's how the free enterprise system is suppose to work and guarantee value for the money you spend.

Of course most of us are not skilled enough to preform this task while unconscious strapped to a back board.

So we have insurance to cover these expenses.

But when these policies change yearly and are several pages of legal explanations as to what is and isn't covered, who really knows if it even covers anything at all. And so we have people working for the insurance company whose job it is to make as much profit for their shareholders as possible, making choices about what health care you should have or not. And some how this is better and all of us being on Medicare.

So back to my main question. Where can I rent a copter?

Are you really thinking you are going to negotiate in a emergency situation or have much of a say in which helicopter gets you? It doesn't work like that.Also in most cases a insurance company cannot enforce "in network policies" when it is a emergency and is forced to pay. Last, even if they did negotiate, do you really want to waste the precious time you have; they only bring in a chopper when it is a matter of time to save you! Plus I highly doubt a EMT can even negotiate and cares about anything more than medical care.

And when it comes to your healthcare you can always find what is covered under your plan in emergency situations; and if you don't like it you can always pay more for better insurance. I agree insurance companies are all about making them profit, but you have to be smarter than them and do your homework before and not after. If you don't know what your deductible and coinsurance is, then it can be a horrible thing to find out when it is too late.

[Snowman]

Are you really thinking you are going to negotiate in a emergency situation or have much of a say in which helicopter gets you? It doesn't work like that.Also in most cases a insurance company cannot enforce "in network policies" when it is a emergency and is forced to pay. Last, even if they did negotiate, do you really want to waste the precious time you have; they only bring in a chopper when it is a matter of time to save you! Plus I highly doubt a EMT can even negotiate and cares about anything more than medical care.

And when it comes to your healthcare you can always find what is covered under your plan in emergency situations; and if you don't like it you can always pay more for better insurance. I agree insurance companies are all about making them profit, but you have to be smarter than them and do your homework before and not after. If you don't know what your deductible and coinsurance is, then it can be a horrible thing to find out when it is too late.

Sarcasm is a word you should really look up sometime...

[bulldog]

Sarcasm is a word you should really look up sometime...

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).

[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.

[07D675CO]

It sounds cheaper to just rent the copter.

So we will have to look at all the reviews from those offering the service, get competitive bids, figure out which is most cost effective for your articular situation, negotiate any discounts there might be. That's how the free enterprise system is suppose to work and guarantee value for the money you spend.

Of course most of us are not skilled enough to preform this task while unconscious strapped to a back board.

So we have insurance to cover these expenses.

But when these policies change yearly and are several pages of legal explanations as to what is and isn't covered, who really knows if it even covers anything at all. And so we have people working for the insurance company whose job it is to make as much profit for their shareholders as possible, making choices about what health care you should have or not. Leaving us to buy insurance to cover the insurance. And some how this is better than all of us being on Medicare.

So back to my main question. Where can I rent a copter?

What is this sense you are making? I want to pay more than I have to for healthcare!!!!

[tecknojoe]

So from everything I've gathered in this thread:

1) Make sure your insurance covers for the two popular copter services that HPR uses
2) Possibly look into Aflack or something similar to cover the uncovered part of the expense, which could actually still be a large amount of money

ok, you are free to turn this thread into crap now. Thanks all

[rybo]

So from everything I've gathered in this thread:

1) Make sure your insurance covers for the two popular copter services that HPR uses
2) Possibly look into Aflack or something similar to cover the uncovered part of the expense, which could actually still be a large amount of money

ok, you are free to turn this thread into crap now. Thanks all

Sorry I didn't mean to turn it to crap- it's a serious topic and one that I (unfortunately) know a lot about.

I too know and trust the EMTs that take care of us when we ride at HPR. I'm happy that they were there to take care of me when I fell down last year.

Scott

[tecknojoe]

Sorry I didn't mean to turn it to crap- it's a serious topic and one that I (unfortunately) know a lot about.

I too know and trust the EMTs that take care of us when we ride at HPR. I'm happy that they were there to take care of me when I fell down last year.

Scott

nah u weren't turning it to crap. I'm glad to get some info from you about your accident, so that I can learn from someone elses experience so that mine can be not as painful if and when it happens

now, the concern is when I can get Rybo scheduled for some one on one track time

[Sleev]

Yes, thanks for sharing your story. I was just being a smartass and was genuinely curious as to how much something like that ends up costing

[tecknojoe]

Beginning season bump. See my first post for what you should do

[bulldog]

Beginning season bump. See my first post for what you should do

Great advice...check now not when you ever need it...insurance companies are crooks so do your homework

[tecknojoe]

BUMP for next year's racing season. Just called to confirm my medical plan coverage

Don't get stuck with a medical bill that you can't afford

See original post for details

[bulldog]

BUMP for next year's racing season. Just called to confirm my medical plan coverage

Don't get stuck with a medical bill that you can't afford

See original post for details

Again, the #1 thing to check is if your insurance will cover "motorsports" under your current policy. Some will cover it, but only at a extra cost! Some won't at all...don't wait till after you need it...find out now!

Next check your deductible...as some say it can be $15 all the way up to $15K....depends on the plan! Generally you pay more up front for a lower deductible, and opposite on other; cheaper monthly insurance dues and a higher deductible.....just all a gamble!

[rybo]

BUMP for next year's racing season. Just called to confirm my medical plan coverage

Don't get stuck with a medical bill that you can't afford

See original post for details

As a side note please check carefully the terms and conditions of your supplemental policies (such as AFLAC) They have greatly changed in the last couple of years. I was approached for the coverage this year and examined the T&C's and discovered the following clause-

"Any event on a closed circuit for the purpose of competition, testing or practice is excluded"

Now you know.

[TFOGGuys]

Falling off of motorcycles at speed is expensive. Street or track. Ask me how I know.

[hcr25]

Falling off of motorcycles at speed is expensive. Street or track. Ask me how I know.

Or you could ask me

[TFOGGuys]

Or you could ask me

Yup, exactly. Or Rybo. Or Ralph.