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Old 02-04-2008, 04:40 PM   #1
houseofpaint
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medical insurance...

do all health insurance companies cover sanctioned race events?

if not....anybody know which one does? i need some medical insurance...mine has expired.
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Old 02-04-2008, 05:01 PM   #2
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Best bet is to hit up the big guys- Blue Cross/ Blue Shield covers iirc, I'd start there.
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Old 02-04-2008, 09:49 PM   #3
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and check the fine print of any policy....

my application specifically mentioned motorcycle racing
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Old 02-04-2008, 09:58 PM   #4
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BTW, Aetna covers me, but I don't think it covers me for competition.
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Old 02-04-2008, 10:46 PM   #5
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Quote:
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BTW, Aetna covers me, but I don't think it covers me for competition.
so if you crash, you do it during "practice"?
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Old 02-04-2008, 11:22 PM   #6
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so if you crash, you do it during "practice"?
I'm not racing this year. I just got on with Aetna this year. If I race again, I will have to find some supplemental insurance or pay out of pocket.
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Old 02-04-2008, 11:33 PM   #7
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Quote:
Originally Posted by t.dubya View Post
and check the fine print of any policy....

my application specifically mentioned motorcycle racing
i just filled out an app...

only thing it asked me was if i have ridden a motorcycle in the past 12 months.

i read the fine print of the policy, i re-read at least 5 times under the exclusions and limitations section...and didn't see one thing mentioning "competing/racing"

maybe i should call them and ask, and ask for a fax if it is written somewhere on the policy.
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Old 02-04-2008, 11:33 PM   #8
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Just trying to clarify for those looking for insurance.
Pay out of pocket!

Not worth it, my dislocated shoulder was over 2 grand just for the emergency room visit. Never mind a broken bone. I'm sure there are cheaper ways to go about health care but as long as I'm covered, I'm happy.
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Old 02-04-2008, 11:48 PM   #9
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my insurance company knows that i race and its fine with them. they asked me when i got the policy if i had ever had a claim from an accident and i told em no. thats all they wanted to hear
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Old 02-04-2008, 11:54 PM   #10
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I have insurance through BCBS.
Originally from TX then transfered to MN.
It was cheaper in TX by $50-$60 (everything's more expensive here).
I'm 35, healthy, in shape (I think... ), non smoker, light drinker, no drugs, just lots of dangerous activities.
I pay $$139.00 a month.

I don't remember being asked if I ride a motorcycle.
I guess they underestimated an old lady! Ha!! Take that BCBS!!!
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Old 02-05-2008, 09:18 AM   #11
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When I had my wreck at TWS (Texas World Speedway), the insurance company was okay with the fact that I was on my motorcycle at a race track when I had my accident... but they were VERY interested if I was racing for winnings/payback/$$$. I later found out, if that was indeed the case... Humana would not of covered my medical expenses.
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Old 02-05-2008, 09:43 AM   #12
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Quote:
Originally Posted by nutmegchoi View Post
I have insurance through BCBS.
Originally from TX then transfered to MN.
It was cheaper in TX by $50-$60 (everything's more expensive here).
I'm 35, healthy, in shape (I think... ), non smoker, light drinker, no drugs, just lots of dangerous activities.
I pay $$139.00 a month.

I don't remember being asked if I ride a motorcycle.
I guess they underestimated an old lady! Ha!! Take that BCBS!!!
man thats cheap,
I need to shop around, I'm paying $430/month through Principal Life.
Those bastards wanted me to file through my auto insurance when I told them I hurt myself unloading my bike off my trailer.
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Old 02-05-2008, 09:48 AM   #13
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it may all come down to if you get paid race.
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Old 02-05-2008, 11:37 AM   #14
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BCBS has shelled out a huge chunk of money for me over the past several weeks, they covered two ambulance rides, hospital stay, and surgery with no issues.
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Old 02-07-2008, 01:11 AM   #15
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Most common insurance don't cover racing activities, even if it is not mentioned in the fine print (their rulebook). Most cases is about "don't ask, don't tell." In fact, most insurance pays out without asking... only about 1-2% of all claims get audited. In fact, most insurance don't cover pre-existing but they still pay it out anyways.

There are special motorsports racing insurance.. those are the same guys that insure NASCAR drivers and AMA riders, but it prolly is expensive.. I think I saw the link at the CMRA or WERA board.
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