Bike injury - What to do?- Mtbr.com
Results 1 to 58 of 58
  1. #1
    My other ride is your mom
    Reputation: Maadjurguer's Avatar
    Join Date
    Mar 2008
    Posts
    5,297

    Bike injury - What to do?

    So, I'm without insurance for the first time in my life....and it's prolly going to stay that way for a while unless I miraculously get a job. My question to the class is this: Where should I go if I need medical care due to a bike injury...or other physical injury for that matter? I can see that if I have a broken bone or am pumping blood...I'm just going to have to let all you insured people pay for me and head to the emergency room for some "free" medical care.

    But what about less serious, but still need attention type of injuries like stitches, and other things which don't require an emergency room. Any decent clinics out there for folks without insurance, ways to get discounted rates, etc?

    Just trying to stay ahead of the game here......guess this is the sign of the times....




  2. #2
    mtbr member
    Reputation:
    Join Date
    Feb 2008
    Posts
    10
    a sewing needle, thread and a bottle of rubbing alcohol! just kidding. I would suggest research around your home or near to the trails you ride walk in clinics or emergency rooms. most smaller clinics like Nextcare will work with you on a payment plan for cash patients... I would also suggest if possible a credit card with a small line of credit that you can use in case of medical emergencies?

  3. #3
    My other ride is your mom
    Reputation: Maadjurguer's Avatar
    Join Date
    Mar 2008
    Posts
    5,297
    Quote Originally Posted by altamesa View Post
    I would also suggest if possible a credit card with a small line of credit that you can use in case of medical emergencies?
    Aww man....that's the best line I've heard this week....thanks for the laugh

    Not really an option for me at this juncture......




  4. #4
    Rhino
    Reputation: urbanseeds's Avatar
    Join Date
    Jul 2007
    Posts
    562
    I recommend you stock up on some super glue and duct tape. It's kept me out of ER's for years.

  5. #5
    mtbr member
    Reputation:
    Join Date
    Apr 2010
    Posts
    27
    check your local area for community health centers that offer a sliding fee scale. they base the charges on income level which makes for very affordable care. otherwise go for the superglue as regular er and urgent care will charge you fully and then send you to collections.

  6. #6
    banned
    Reputation: traildoc's Avatar
    Join Date
    Mar 2007
    Posts
    5,540
    I would suggest you purchase a personal health policy like something offered by United Health Care.

    Are you willing to move out of Arizona to obtain employment?

    TD

  7. #7
    wawe member
    Reputation: Black Bart's Avatar
    Join Date
    Apr 2004
    Posts
    892
    Quote Originally Posted by traildoc View Post
    Let them eat cake.

    TD
    fify

  8. #8
    My other ride is your mom
    Reputation: Maadjurguer's Avatar
    Join Date
    Mar 2008
    Posts
    5,297
    Quote Originally Posted by traildoc View Post
    I would suggest you purchase a personal health policy like something offered by United Health Care.

    Are you willing to move out of Arizona to obtain employment?

    TD
    I'll check into the personal health policies...just not united....I'm suing them right now for being @$$holes (sorry about that....just a little bitter....want to keep this about finding good, affordable medical care without insurance).

    I have a catastrophic one through auto insurance, which is cheep...but it's for major problems associated with an auto accident only. My fear is that personal health policy is going to be too expensive...and may be overkill....but then again, I've only assumed that and should investigate further.

    What I'm looking for is ways to deal with more likely injuries that I may suffer....ski and bike injuries....not the other stuff which I'm not prone to since I've pretty healthy.

    I like the idea of a clinic with a sliding fee scale. I'm also willing to barter for services to any MD out there who might be willing to stitch me up occasionally for services ranging from violin lessons for kids, ski and board tuning, ski instruction, backcountry guiding, bike work, yard work, etc. Just PM me if you're interested......




  9. #9
    banned
    Reputation: traildoc's Avatar
    Join Date
    Mar 2007
    Posts
    5,540
    Quote Originally Posted by Maadjurguer View Post
    I'll check into the personal health policies...just not united....I'm suing them right now for being @$$holes (sorry about that....just a little bitter....want to keep this about finding good, affordable medical care without insurance).

    I have a catastrophic one through auto insurance, which is cheep...but it's for major problems associated with an auto accident only. My fear is that personal health policy is going to be too expensive...and may be overkill....but then again, I've only assumed that and should investigate further.

    What I'm looking for is ways to deal with more likely injuries that I may suffer....ski and bike injuries....not the other stuff which I'm not prone to since I've pretty healthy.

    I like the idea of a clinic with a sliding fee scale. I'm also willing to barter for services to any MD out there who might be willing to stitch me up occasionally for services ranging from violin lessons for kids, ski and board tuning, ski instruction, backcountry guiding, bike work, yard work, etc. Just PM me if you're interested......

    Mad:

    Is this what you are looking for? IMBA

  10. #10
    My other ride is your mom
    Reputation: Maadjurguer's Avatar
    Join Date
    Mar 2008
    Posts
    5,297
    Quote Originally Posted by traildoc View Post
    Mad:

    Is this what you are looking for? IMBA
    very interesting!




  11. #11
    banned
    Reputation: traildoc's Avatar
    Join Date
    Mar 2007
    Posts
    5,540
    Quote Originally Posted by Black Bart View Post
    fify
    BB:

    Were you also able to make up your own Rep Power?

    TD

  12. #12
    mtbr member
    Reputation:
    Join Date
    Aug 2009
    Posts
    428
    Being self employed I go thru Blue Cross and I opted for a plan (Blue Portfolio Plus) with a high deductible ($1750). I opted for this because once the deductible is met you are covered at 100% not 60% or 80% like most, so that if something serious happened you're not up a creek. It looks like this policy would cost you about $147 a month.

    https://azblue.insurix.com/WebBcbsaz...ndividual.aspx

    I paired that with an AFLAC accident policy (kinda humorous as I'm typing with a cast on my hand and currently putting it to good use) because I'm not so much worried about getting sick as I am getting hurt. The policy pays you lump sum amounts depending on what happens. For example if you go to urgent care or er for an accident then they pay you $100. Another $25 for xray ... blah blah blah. The interesting part is if you end up in the hospital they pay you an initial lump sum plus $250 per day for up to almost a year. My point is that if you get in an accident they will end up covering some/most/maybe all of your deductible. I have it set up through my business for a whopping $26 a month.

    Accident Insurance | Aflac

    So for $173 a month you'd have awesome coverage. Doing the sports you do you really should have coverage in my opinion. Even if you didn't have the $$ to meet the deductible the worst that's gonna happen is you'll get sent to collections for $1750. That's easy enough to clean up later on.

    That's my 2 cents on the matter ...

  13. #13
    mtbr member
    Reputation:
    Join Date
    Aug 2010
    Posts
    424
    Quote Originally Posted by TurtleGerl View Post
    Being self employed I go thru Blue Cross and I opted for a plan (Blue Portfolio Plus) with a high deductible ($1750). I opted for this because once the deductible is met you are covered at 100% not 60% or 80% like most, so that if something serious happened you're not up a creek. It looks like this policy would cost you about $147 a month.

    https://azblue.insurix.com/WebBcbsaz...ndividual.aspx

    I paired that with an AFLAC accident policy (kinda humorous as I'm typing with a cast on my hand and currently putting it to good use) because I'm not so much worried about getting sick as I am getting hurt. The policy pays you lump sum amounts depending on what happens. For example if you go to urgent care or er for an accident then they pay you $100. Another $25 for xray ... blah blah blah. The interesting part is if you end up in the hospital they pay you an initial lump sum plus $250 per day for up to almost a year. My point is that if you get in an accident they will end up covering some/most/maybe all of your deductible. I have it set up through my business for a whopping $26 a month.

    Accident Insurance | Aflac

    So for $173 a month you'd have awesome coverage. Doing the sports you do you really should have coverage in my opinion. Even if you didn't have the $$ to meet the deductible the worst that's gonna happen is you'll get sent to collections for $1750. That's easy enough to clean up later on.

    That's my 2 cents on the matter ...
    Excellent recommendation esp. the Aflac supplement I found Assurant to be good also if your from out of state and travel extensively.

  14. #14
    Kathleen in AZ
    Reputation: DurtGurl's Avatar
    Join Date
    Dec 2001
    Posts
    5,179
    You could always find a single biker chick with a good job and super health insurance who might be willing to get married in order to help out a fellow biker dude. She'd want to claim you as a tax write-off and might want chores like pool cleaning, dog poop pickup, and yard trimming performed on a monthly basis Not sure I know of any of those types around here, but it's worth looking!!

  15. #15
    pedaller
    Reputation: Noelg's Avatar
    Join Date
    Jan 2004
    Posts
    2,400
    James needs a sugar mama. Applications now being accepted.
    "Nobody ever told me not to try" - Curious George Soundtrack by Jack Johnson

  16. #16
    EDR
    Reputation: eatdrinkride's Avatar
    Join Date
    Jun 2005
    Posts
    9,297
    FWIW my buddy is self employed and has Blue Cross...not sure what level. He pays a very high deductible and supposedly everything is covered after that. Think again.... He just had major back surgery and dual carpal tunnel surgery. The back surgery was expected to be covered since he has met his deductible but he has now received thousands of dollars in bills from other surgeons and the like who the main surgeon called in to perform the work. The agreement was that any and all doctors that might be used were all BC/BS doctors. That evidently was not the case. He is in a major fight with the main office now and a lawyer may be the next step. On the bright side one of his bills was knocked down over 50 percent just by making a few calls and explaining the situation. For example..he was told by one surgeon he has to bill by the hour, but he was actually only there for 15 minutes so he agreed to drop his charge by a crap-load. Food for thought.

    Sorry, not much help. Just be aware most any charges you might be billed are negotiable to a large extent.

  17. #17
    mtbr member
    Reputation:
    Join Date
    Aug 2009
    Posts
    428
    Quote Originally Posted by DurtGurl View Post
    You could always find a single biker chick with a good job and super health insurance who might be willing to get married in order to help out a fellow biker dude. She'd want to claim you as a tax write-off and might want chores like pool cleaning, dog poop pickup, and yard trimming performed on a monthly basis Not sure I know of any of those types around here, but it's worth looking!!
    I know this one girl ... with like 14 cow dogs ...

  18. #18
    SamuraiBunnyGuy
    Reputation: longhairmike's Avatar
    Join Date
    Oct 2009
    Posts
    2,588
    Quote Originally Posted by TurtleGerl View Post
    Being self employed I go thru Blue Cross and I opted for a plan (Blue Portfolio Plus) with a high deductible ($1750). I opted for this because once the deductible is met you are covered at 100% not 60% or 80% like most, so that if something serious happened you're not up a creek. It looks like this policy would cost you about $147 a month.
    shana and i both have this plan too,, mine is $139 a month and hers is $169 (vaginas are always so expensive).
    even if i max out my deductible it averages out to $285/month which beats the $490 i was paying for an 80/20 policy in IL.
    and the last time i even used my insurance was february 2008 for chiropractor visits

  19. #19
    mtbr member
    Reputation:
    Join Date
    Oct 2009
    Posts
    655
    Quote Originally Posted by TurtleGerl View Post
    I know this one girl ... with like 14 cow dogs ...
    That's a lot of dog poop pick up, but then again, good insurance isn't cheap.

  20. #20
    My other ride is your mom
    Reputation: Maadjurguer's Avatar
    Join Date
    Mar 2008
    Posts
    5,297
    Quote Originally Posted by DurtGurl View Post
    You could always find a single biker chick with a good job and super health insurance who might be willing to get married in order to help out a fellow biker dude. She'd want to claim you as a tax write-off and might want chores like pool cleaning, dog poop pickup, and yard trimming performed on a monthly basis Not sure I know of any of those types around here, but it's worth looking!!
    I'm blushing....




  21. #21
    N/A
    Reputation:
    Join Date
    Feb 2004
    Posts
    234
    Well if you know Java and/or C# and have experience with multi-threaded software engineering in a distributed enterprise environment, I might know where you can get some insurance and a decent salary to go with it. We seem to be having trouble finding qualified candidates.

  22. #22
    parenting for gnarness
    Reputation: chollaball's Avatar
    Join Date
    Apr 2005
    Posts
    6,237
    Quote Originally Posted by DurtGurl View Post
    You could always find a single biker chick with a good job and super health insurance who might be willing to get married in order to help out a fellow biker dude. She'd want to claim you as a tax write-off and might want chores like pool cleaning, dog poop pickup, and yard trimming performed on a monthly basis Not sure I know of any of those types around here, but it's worth looking!!
    i see anti-shuttling romantic bliss in your futures. you guys can hang out and talk about dogs and bikes but NOT ACTUALLY RIDE TOGETHER - the dream of every riding couple. No mid-ride 'duuuuuuuuuurtgurrrrrrrrrl...my cassette isnt working right'. in 6 months Maad will be importing his family from the Philippines.
    YES to Scottsdale Prop 420
    Our Preserve, Our Taxes, Our Vote

  23. #23
    My other ride is your mom
    Reputation: Maadjurguer's Avatar
    Join Date
    Mar 2008
    Posts
    5,297
    Quote Originally Posted by chollaball View Post
    i see anti-shuttling romantic bliss in your futures. you guys can hang out and talk about dogs and bikes but NOT ACTUALLY RIDE TOGETHER - the dream of every riding couple. No mid-ride 'duuuuuuuuuurtgurrrrrrrrrl...my cassette isnt working right'. in 6 months Maad will be importing his family from the Philippines.
    Don't hate me because I'm beautiful and you're jealous.....




  24. #24
    parenting for gnarness
    Reputation: chollaball's Avatar
    Join Date
    Apr 2005
    Posts
    6,237
    Quote Originally Posted by Maadjurguer View Post
    Don't hate me because I'm beautiful and you're jealous.....

    is Gangi writing your comebacks now?
    YES to Scottsdale Prop 420
    Our Preserve, Our Taxes, Our Vote

  25. #25
    Eroding into the trail
    Reputation: DustyBones's Avatar
    Join Date
    Jun 2010
    Posts
    897
    Quote Originally Posted by DurtGurl View Post
    You could always find a single biker chick with a good job and super health insurance who might be willing to get married in order to help out a fellow biker dude. She'd want to claim you as a tax write-off and might want chores like pool cleaning, dog poop pickup, and yard trimming performed on a monthly basis Not sure I know of any of those types around here, but it's worth looking!!

    Best post on this thread!

  26. #26
    Eroding into the trail
    Reputation: DustyBones's Avatar
    Join Date
    Jun 2010
    Posts
    897
    The NRA has an insurance plan for accidental injuries that is very inexpensive for members. FWIW

  27. #27
    mtbr member
    Reputation:
    Join Date
    Jul 2011
    Posts
    1,425
    Fyi, I dont believe you have to have medical insurance to recieve the Aflac benefits. So for $26-ish a month you may looking into doing that. They basically give you money for anything medical, so even if stuff is not "covered" you get money for assistance.
    2010 Giant Yukon FX
    Pure XCR Wheelset/Geax Saguaro Tires/Tubeless
    Bike Weight Lost: 2.48lbs (1124g)

  28. #28
    mtbr member
    Reputation: AKA Monkeybutt's Avatar
    Join Date
    May 2006
    Posts
    1,318
    Mad, check into someting like this...Accident Insurance | Active Life Benefits | Adventure Advocates

    You may be better off with standard plan so you can go to the regular Doc if you get ill.

  29. #29
    mtbr member
    Reputation:
    Join Date
    Aug 2009
    Posts
    428
    Quote Originally Posted by AKA Monkeybutt View Post
    Mad, check into someting like this...Accident Insurance | Active Life Benefits | Adventure Advocates

    You may be better off with standard plan so you can go to the regular Doc if you get ill.
    While Aflac doesn't cover non accident situations, for $26 a month you get unlimited benefits. With a serious injury your benefits could be well over $50K.

    Even their highest plan for $99 a month only pays out $10K.

    Either way you have to make the claim after the fact and it may be more difficult to get good medical care w/o any insurance to begin with.
    Last edited by TurtleGerl; 09-21-2011 at 06:44 AM.

  30. #30
    mtbr member
    Reputation: chongoman's Avatar
    Join Date
    Jun 2006
    Posts
    1,938
    When I worked at REI they offered health coverage for part time workers as long as they worked enough hours to cover the monthly employee cost. You can also prodeal from many bike companies and they have showers for bike commuting. Not a bad place to buy some time, but who knows if they're hiring.
    Maricopa County has a free clinic that they advertise for homeless people. I refered a student I worked with in the past, but never got to follow up with him so I don't know the extent of the services they offer.
    Department of Public Health - Maricopa County :: Health Care for the Homeless
    Durtgurl's idea is primo though .

  31. #31
    mtbr member
    Reputation: 5bravobravo's Avatar
    Join Date
    Apr 2009
    Posts
    385
    If you are under age 42 you could join the National Guard. They offer great benefits, a good PT program and travel opportunities.

    I'm not a recruiter and I'm not trying to be a smart-ass, lots of people join for lots of reasons, some like it and some do not...

    sadly, a lot of people do not consider such as an option, and to some it is a difficult decision with varying consequences...

    My $.02
    Check my pulse...

  32. #32
    mtbr member
    Reputation:
    Join Date
    Jul 2011
    Posts
    1,425
    Quote Originally Posted by 5bravobravo View Post
    If you are under age 42 you could join the National Guard. They offer great benefits, a good PT program and travel opportunities.

    I'm not a recruiter and I'm not trying to be a smart-ass, lots of people join for lots of reasons, some like it and some do not...

    sadly, a lot of people do not consider such as an option, and to some it is a difficult decision with varying consequences...

    My $.02
    Not my cup of tea but it would be a heck of an improvement over long term unemployment. Especially if your credentials are limited, limiting your job oppurtunities.
    2010 Giant Yukon FX
    Pure XCR Wheelset/Geax Saguaro Tires/Tubeless
    Bike Weight Lost: 2.48lbs (1124g)

  33. #33
    g^2
    g^2 is offline
    mtbr member
    Reputation:
    Join Date
    Aug 2009
    Posts
    11
    Quote Originally Posted by SuperSlow35th View Post
    Fyi, I dont believe you have to have medical insurance to recieve the Aflac benefits. So for $26-ish a month you may looking into doing that. They basically give you money for anything medical, so even if stuff is not "covered" you get money for assistance.
    I work for Aflac and the $26ish price is if you purchase it through an employer. If you purchase it on a direct basis, it's $45ish a month.

  34. #34
    Kathleen in AZ
    Reputation: DurtGurl's Avatar
    Join Date
    Dec 2001
    Posts
    5,179
    Quote Originally Posted by DustyBones View Post

    Best post on this thread!
    Did I say monthly? I meant weekly

  35. #35
    PMP,TAN,LAUNDRY
    Reputation: azdog's Avatar
    Join Date
    Nov 2004
    Posts
    4,278
    Quote Originally Posted by DurtGurl View Post
    Did I say monthly? I meant weekly
    If u still have the jacuzzi I'm in!
    Bender to AZDog: I'm not the best person to give advice on not riding!

  36. #36
    mtbr member
    Reputation:
    Join Date
    Nov 2010
    Posts
    50
    If I can help anyone answer any medical insurance questions please let me know. I am a licensed agent. I won't try to sell you anything. PM me or just post your questions up

  37. #37
    mtbr member
    Reputation:
    Join Date
    Jul 2011
    Posts
    1,425
    Quote Originally Posted by g^2 View Post
    I work for Aflac and the $26ish price is if you purchase it through an employer. If you purchase it on a direct basis, it's $45ish a month.
    I still think I could scrounge up $45 a month and itd be a worthwhile investment.
    2010 Giant Yukon FX
    Pure XCR Wheelset/Geax Saguaro Tires/Tubeless
    Bike Weight Lost: 2.48lbs (1124g)

  38. #38
    How much further ???
    Reputation: Douger-1's Avatar
    Join Date
    Jan 2010
    Posts
    2,371
    Hey Maad. Do you have any experience with HP's QTP or LoadRunner testing software? If so PM me otherwise ignore this post.
    “Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did." Mark Twain

  39. #39
    I <3 dirt
    Reputation: Ilikemtb999's Avatar
    Join Date
    Oct 2010
    Posts
    1,430
    I worry about this even with insurance. I still have to pay deductibles and ER visit if something happens.

  40. #40
    mtbr member
    Reputation:
    Join Date
    Jul 2011
    Posts
    1,425
    And such is life, you do what you can to make emergencies have as little impact as possible. But they are what they are, emergencies.


    Btw, I dont like being the devil's advocate but.......

    If I were to land in that same boat of being unemployed. I would not be worried about bike injury because the chances are, I wouldnt be riding my bike as much. I would be more cautious even if I did ride my bike and wouldnt take chances I do now. I completely understand being unemployed is stressful and riding your bike is a good release of stress, but that doesnt mean that biking with the normal amount of disregard is a good idea.
    2010 Giant Yukon FX
    Pure XCR Wheelset/Geax Saguaro Tires/Tubeless
    Bike Weight Lost: 2.48lbs (1124g)

  41. #41
    sprocket
    Reputation: yetisurly's Avatar
    Join Date
    Aug 2004
    Posts
    3,184
    Quote Originally Posted by Maadjurguer View Post
    So, I'm without insurance for the first time in my life....and it's prolly going to stay that way for a while unless I miraculously get a job. My question to the class is this: Where should I go if I need medical care due to a bike injury...or other physical injury for that matter? I can see that if I have a broken bone or am pumping blood...I'm just going to have to let all you insured people pay for me and head to the emergency room for some "free" medical care.

    But what about less serious, but still need attention type of injuries like stitches, and other things which don't require an emergency room. Any decent clinics out there for folks without insurance, ways to get discounted rates, etc?

    Just trying to stay ahead of the game here......guess this is the sign of the times....

    Discontinue those activities.

  42. #42
    Bloodied but Unbowed
    Reputation: DesertCrawler's Avatar
    Join Date
    Sep 2010
    Posts
    1,498
    Quote Originally Posted by DurtGurl View Post
    You could always find a single biker chick with a good job and super health insurance who might be willing to get married in order to help out a fellow biker dude. She'd want to claim you as a tax write-off and might want chores like pool cleaning, dog poop pickup, and yard trimming performed on a monthly basis Not sure I know of any of those types around here, but it's worth looking!!


    Thanks for the grins.

  43. #43
    mtbr member
    Reputation: Milos''s Avatar
    Join Date
    Oct 2010
    Posts
    147
    We are so close to Mexico and you have to ask ? Talk to some of our Mexican brothers about over the counter antibiotics etc.

    Embrace society's underbelly .The Black Market is your friend.

    Peace,
    Milos'

  44. #44
    My other ride is your mom
    Reputation: Maadjurguer's Avatar
    Join Date
    Mar 2008
    Posts
    5,297
    Quote Originally Posted by DurtGurl View Post
    Did I say monthly? I meant weekly
    And all I heard was hourly.....




  45. #45
    Ridin bikes is fun
    Reputation: surfndav's Avatar
    Join Date
    Aug 2007
    Posts
    784
    If you bust your teeth, give me a call.....In the mean time make sure your brushing and flossing regularly.
    Better than most, not as good as some.

  46. #46
    mtbr member
    Reputation: woahey's Avatar
    Join Date
    Sep 2010
    Posts
    1,289
    Quote Originally Posted by DurtGurl View Post
    You could always find a single biker chick with a good job and super health insurance who might be willing to get married in order to help out a fellow biker dude. She'd want to claim you as a tax write-off and might want chores like pool cleaning, dog poop pickup, and yard trimming performed on a monthly basis Not sure I know of any of those types around here, but it's worth looking!!
    I was thinking a single nurse or doctor would be good for him. A single biker chick that makes tons of dough and has great benefits would be much better though!
    The secret to mountain biking is pretty simple. The slower you go the more likely it is you’ll crash.
    - Julie Furtado

  47. #47
    mtbr member
    Reputation:
    Join Date
    Jul 2010
    Posts
    169
    I've had a number of friends pick up employment from IT to customer service to hustlin orders for Amazon. With the holiday season coming up, it would seem you have better options than resorting to a hand out if you get injured.
    I enjoy your posts and pics... but it seems you are taking this to the extreme. Sorry man. Time to beat the streets. There is work for intelligent, articulate, and motivated people out there. You seem to fall into the first 2 catagories. No idea about the last and I'm insinuating...
    If you are worried about it. It may not be the best idea to put yourself in that situation on a regular basis. What will your post be if you do have an accident and are stuck up a creek? Poor me only goes so far.
    I'm honestly not trying to bust your nugz. But instead pointing out some obvious things that are otherwise being dismissed so far. Good luck man!

  48. #48
    mtbr member
    Reputation:
    Join Date
    Mar 2007
    Posts
    347
    I was in this exact position for a year. I too was afraid for my health, and this ended up being my solution. Note, there was some depression involved, as can happen, and that can keep us from taking even small steps. Push through it, if applicable.

    I got a million dollar policy with Aetna. Now it is an affordable (under $200/mo) policy with a $5000 deductible, BUT one of the few that has an urgent care/ER copay, of $75. In other words the deductible does not apply, unless admitted. So your out of pocket for relatively minor stuff is next to nothing. For me, that seemed to be a really smart way to go, considering the liklihood of needing care because of our mtb activity.

    If you have a serious injury, $10,000 of insurance is almost worthless. And what about what happens to you the other 99% of the time that you are not mtn biking? Illness, etc.

    It helps to find an honest insurance agent, not very common. I have a contact if you need one.

    I have a lot more peace of mind now, which helps all around with the circumstances of being without employment, AND I discovered another important reality: I could function without employment related health insurance. IN FACT, IT WAS CHEAPER to get my own policy, than the one our company offered. How stupid is that??? So many people are slaves to employment for "benefits" that are actually anchors in disguise!

    Keep your head up!!!!!

  49. #49
    mtbr member
    Reputation:
    Join Date
    Mar 2007
    Posts
    347
    Quote Originally Posted by DurtGurl View Post
    You could always find a single biker chick with a good job and super health insurance who might be willing to get married in order to help out a fellow biker dude. She'd want to claim you as a tax write-off and might want chores like pool cleaning, dog poop pickup, and yard trimming performed on a monthly basis Not sure I know of any of those types around here, but it's worth looking!!
    sounds like you talked to my ex-wife.

  50. #50
    mtbr member
    Reputation:
    Join Date
    Feb 2004
    Posts
    808
    Quote Originally Posted by TurtleGerl View Post
    I know this one girl ... with like 14 cow dogs ...
    14 I thought it was more like 40...

  51. #51
    Powered by ice cream.
    Reputation: Enel's Avatar
    Join Date
    Mar 2004
    Posts
    6,310
    Quote Originally Posted by Maadjurguer View Post
    But what about less serious, but still need attention type of injuries like stitches, and other things which don't require an emergency room. Any decent clinics out there for folks without insurance, ways to get discounted rates, etc?
    Just go to the ER for the free care for minor boo boos as well. Everyone else does.

    Don't worry about personal responsibility.
    Quote Originally Posted by buddhak
    And I thought I had a bike obsession. You are at once tragic and awesome.

  52. #52
    mtbr member
    Reputation:
    Join Date
    Jul 2011
    Posts
    35
    I wrecked last Wednesday at dreamy draw. Endo'd over the bars on some rock steps at the speed of molasses!

    I nearly fractured my hand + my right elbow + a rib or 2, and had bruising on my pelvis, both legs and one of my ankles, as well as the bruising on my wrist and elbow! Stupid me!

    Im lucky not to have broken anything though as Ive got no medical. So I just worked through the pain with several ice packs, Ibuprofen, and plenty miller lite!

    on a side note : I work a very labor intensive job and i believe the constant movement has helped speed healing greatly! Im sore each morning but by noon im at near champ status!

    Cant wait to ride again!
    Last edited by cowflab; 09-23-2011 at 10:05 PM. Reason: mildly intoxicated

  53. #53
    Eroding into the trail
    Reputation: DustyBones's Avatar
    Join Date
    Jun 2010
    Posts
    897
    Quote Originally Posted by cowflab View Post
    I wrecked last Wednesday at dreamy draw. Endo'd over the bars on some rock steps at the speed of molasses!

    I nearly fractured my hand + my right elbow + a rib or 2, and had bruising on my pelvis, both legs and one of my ankles, as well as the bruising on my wrist and elbow! Stupid me!

    Im lucky not to have broken anything though as Ive got no medical. So I just worked through the pain with several ice packs, Ibuprofen, and plenty miller lite!

    on a side note : I work a very labor intensive job and i believe the constant movement has helped speed healing greatly! Im sore each morning but by noon im at near champ status!


    Cant wait to ride again!

    The speed of molasses is very dangerous!
    Go faster, that way if you crash, your dismount will be more spectacular, and if you are lucky, someone will have a Go-Pro to capture it for posterity!

  54. #54
    My other ride is your mom
    Reputation: Maadjurguer's Avatar
    Join Date
    Mar 2008
    Posts
    5,297
    Quote Originally Posted by AzTreky View Post
    There is work for intelligent, articulate, and motivated people out there. You seem to fall into the first 2 catagories. No idea about the last and I'm insinuating...
    Thanks for the career advice....I'll try to keep it in mind when I'm told 3 times in the next month that I'm overqualified....in the mean time, I'll keep riding my bike.




  55. #55
    mtbr member
    Reputation:
    Join Date
    Sep 2011
    Posts
    43
    When times are tough its hard to put money away for things like insurance but I do want to say that getting some kind of personal emergency insurance is most likely going to be worth it in the long run. However, superglue instead of stitches does work, and youtube is a great source of information on how to relocate your own joints. Anything more then that and your probably going to need to make some kind of clinic/er visit.

  56. #56
    mtbr member
    Reputation:
    Join Date
    Jul 2011
    Posts
    35
    My new insurance plan is gonna include some POC Bone Armor (Elbow), and possibly a chest guard or full on jacket like the alpinestar bionic jacket!
    I'm a light skinny guy and a 3' fall nearly broke a rib, sometimes the best insurance is the one you wear!
    ...and superglue!

  57. #57
    mtbr member
    Reputation:
    Join Date
    Oct 2011
    Posts
    3
    Quote Originally Posted by TurtleGerl View Post
    Even their highest plan for $99 a month only pays out $10K.

    Either way you have to make the claim after the fact and it may be more difficult to get good medical care w/o any insurance to begin with.
    The "Gold Basic" Adventure Advocates plan (up to $10,000 in coverage per accident) only costs $46/month. The $99/month is for the "Gold Plus" plan. The only difference is the Basic plan does not cover skiing/snowboarding and the Plus does. For mountain biking, a Gold Basic member would be covered up to the maximum benefit minus the deductible.

    Adventure Advocates is a benefit provider for IMBA members (adventureadvocates.com/imba) as well as USA Cycling, USA Triathlon and a lot of other organizations.

    It was started to promote responsible outdoor recreation and to assist cyclists and mountain bikers with high injury expenses and includes accidental death/dismemberment, air evacuation, helicopter rescue and non insurance benefits.

  58. #58
    mtbr member
    Reputation:
    Join Date
    Oct 2011
    Posts
    3
    Also, the Adventure Advocates plans cover mountain biking and other sports that a lot of accident plans exclude. The main difference is that Adventure Advocates covers up to the max benefit ($10k for the Gold level) minus the deductible. With the Aflac plan, there is a schedule of benefits for each type of injury - they may pay $100 for one type of injury and $300 for another...

Similar Threads

  1. Mountain Bike Injury Survey
    By wurensh in forum Arizona
    Replies: 20
    Last Post: 02-28-2011, 11:12 AM
  2. Recovering from knee injury, need new bike
    By Hadoken in forum Beginner's Corner
    Replies: 4
    Last Post: 09-20-2010, 12:16 PM
  3. Youre Worst injury on a bike
    By shimyshalka in forum General Discussion
    Replies: 26
    Last Post: 01-19-2009, 08:00 PM
  4. my first bike related injury
    By bradf in forum Rider Down, injuries and recovery
    Replies: 2
    Last Post: 08-09-2008, 03:24 PM
  5. injury forcing new bike - a little help needed
    By AC505 in forum All Mountain
    Replies: 6
    Last Post: 09-14-2007, 02:41 PM

Members who have read this thread: 0

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  

THE SITE

ABOUT MTBR

VISIT US AT

© Copyright 2019 VerticalScope Inc. All rights reserved.