Welcome to NESR! Most features of this site require registration, including replying to threads, sending private messages, starting new threads, and uploading files. Click here to register.

Results 1 to 23 of 23

Health insurance not covering my crash at LRRS???

  1. #1
    Senior Member Philkinson's Avatar
    Join Date
    Jun 2012
    Location
    Warwick, RI
    Age
    33
    Posts
    484

    Health insurance not covering my crash at LRRS???


    Hey guys,
    So i crashed back in September and had to take the ambulance to Concord Hospital. At the time, I didn't have my wallet/insurance info with me, so when I got the bill in the mail, I called the hospital and they said they would resubmit to my insurance. (Blue Cross Blue Shield of Michigan). Fast forward to now - I just opened a letter from the Concord Hospital which says...

    "Blue Cross has denied the claim stating it must be billed to the auto carrier first. " Then a box is checked off that states "Third Party Liability (Auto or Liability insurance may be responsible).

    If you believe you are not responsible for the balance listed above please contact:
    Your insurance carrier to resolve the Issue.
    Concord Hospital Customer Service as soon as possible to inform us of the outcome.


    WTF!!
    Anyone else have an experience with this/ advice for me? A $6,000 hospital is a season ender for me next year

    0 Not allowed! Not allowed!
    2015/2016 NESR Fantasy Road Race CHAMPION

    now retired LLRS AM #642

  2. #2
    Lifer jasnmar's Avatar
    Join Date
    Mar 2012
    Location
    Chichester, NH
    Posts
    4,398

    Re: Health insurance not covering my crash at LRRS???

    Contact BCBS of Michigan on the phone.

    Explain to them that this was a motor vehicle accident, but it was on an uninsured vehicle on a closed course.

    Your health insurance is just assuming that this will be picked up by your motorcycle insurance.

    1 Not allowed! Not allowed!

  3. #3
    Super Moderator OreoGaborio's Avatar
    Join Date
    May 2004
    Location
    MA
    Age
    40
    Posts
    37,346

    Re: Health insurance not covering my crash at LRRS???

    Quote Originally Posted by jasnmar View Post
    Contact BCBS of Michigan on the phone.

    Explain to them that this was a motor vehicle accident, but it was on an uninsured vehicle on a closed course.

    Your health insurance is just assuming that this will be picked up by your motorcycle insurance.
    That's what it sounds like to me as well.

    1 Not allowed! Not allowed!
    -Pete LRRS/CCS #82 - ECK Racing, TonysTrackDays, Ironstone Ventures
    GMD Computrack Boston | Pine Motorparts/PBE Specialists | Phoenix Graphics | Woodcraft | Street & Competition | MTag-Pirelli | OnTrack Media

    The Garage: '03 Tuono | '06 SV650

  4. #4
    Senior Member Philkinson's Avatar
    Join Date
    Jun 2012
    Location
    Warwick, RI
    Age
    33
    Posts
    484

    Re: Health insurance not covering my crash at LRRS???

    Quote Originally Posted by jasnmar View Post
    Contact BCBS of Michigan on the phone.

    Explain to them that this was a motor vehicle accident, but it was on an uninsured vehicle on a closed course.

    Your health insurance is just assuming that this will be picked up by your motorcycle insurance.
    Thank you - wanted to get someone else's input before I admitted (?) that I was racing, or whatever.

    I'll wait another half hour before I make the call, if anyone else wants to chime in.
    As always, you guys fuggin rock

    0 Not allowed! Not allowed!
    2015/2016 NESR Fantasy Road Race CHAMPION

    now retired LLRS AM #642

  5. #5
    Senior Member Philkinson's Avatar
    Join Date
    Jun 2012
    Location
    Warwick, RI
    Age
    33
    Posts
    484

    Re: Health insurance not covering my crash at LRRS???

    Quote Originally Posted by OreoGaborio View Post
    That's what it sounds like to me as well.
    Thank you!

    0 Not allowed! Not allowed!
    2015/2016 NESR Fantasy Road Race CHAMPION

    now retired LLRS AM #642

  6. #6
    Lifer jasnmar's Avatar
    Join Date
    Mar 2012
    Location
    Chichester, NH
    Posts
    4,398

    Re: Health insurance not covering my crash at LRRS???

    You want to keep words like "race" or "competition" out of the discussion if possible.

    Don't lie about it, but start with "Uninsured vehicle on a closed course".

    0 Not allowed! Not allowed!

  7. #7
    Super Moderator OreoGaborio's Avatar
    Join Date
    May 2004
    Location
    MA
    Age
    40
    Posts
    37,346

    Re: Health insurance not covering my crash at LRRS???

    Technically, it was off road... I'd say that. "off road while riding an uninsured vehicle".

    1 Not allowed! Not allowed!
    -Pete LRRS/CCS #82 - ECK Racing, TonysTrackDays, Ironstone Ventures
    GMD Computrack Boston | Pine Motorparts/PBE Specialists | Phoenix Graphics | Woodcraft | Street & Competition | MTag-Pirelli | OnTrack Media

    The Garage: '03 Tuono | '06 SV650

  8. #8
    Lifer Kurlon's Avatar
    Join Date
    Jun 2007
    Location
    Waterboro ME
    Age
    42
    Posts
    12,938

    Re: Health insurance not covering my crash at LRRS???

    Actually went through with this when my wife crashed her bike on the street. The paltry medical coverage street coverage comes with quickly was blown through just by the ambulance ride. Health insurance made us fill out a form noting that there was no other coverage left before they'd do anything.

    0 Not allowed! Not allowed!
    771 Racing -=- FaceBook
    Mistake - 1992 WR250ZD / 2000 LS650P / 2019 KTM 150SX / 2016 KTM 250XC

  9. #9
    Member
    Join Date
    Oct 2012
    Location
    CT
    Posts
    190

    Re: Health insurance not covering my crash at LRRS???

    Yeah, this is just your medical insurance trying to pawn the cost off to an auto insurance policy. Tell them it was not an auto accident, that you crashed off-road on your own. I always get asked if it was an auto accident when i go to the doctor, and i tell them no. I'm beginning to wonder, does this mean i go to the doctor too often for crashing?? lol

    0 Not allowed! Not allowed!

  10. #10
    Lifer isaac_'s Avatar
    Join Date
    Jul 2014
    Location
    Central CT
    Posts
    1,082

    Re: Health insurance not covering my crash at LRRS???

    I’ve had this issue before. I simply state, “this was a sports related injury. It was not a vehicular accident”


    Sent from my iPhone using Tapatalk

    0 Not allowed! Not allowed!
    Isaac LRRS/CCS #871 ECK Racing | Spears Enterprises | GMD Computrack Boston | Pine Motorparts/PBE Specialists | Woodcraft | Street & Competition | MTag-Pirelli | OnTrack Media
    Bike: SV650, Bride of Frankenstein

  11. #11
    Lifer isaac_'s Avatar
    Join Date
    Jul 2014
    Location
    Central CT
    Posts
    1,082

    Re: Health insurance not covering my crash at LRRS???

    Quote Originally Posted by jasnmar View Post
    You want to keep words like "race" or "competition" out of the discussion if possible.

    Don't lie about it, but start with "Uninsured vehicle on a closed course".
    If it’s his health insurance it shouldn’t matter whether he was racing or walking across the street.

    0 Not allowed! Not allowed!
    Isaac LRRS/CCS #871 ECK Racing | Spears Enterprises | GMD Computrack Boston | Pine Motorparts/PBE Specialists | Woodcraft | Street & Competition | MTag-Pirelli | OnTrack Media
    Bike: SV650, Bride of Frankenstein

  12. #12
    Lifer jasnmar's Avatar
    Join Date
    Mar 2012
    Location
    Chichester, NH
    Posts
    4,398

    Re: Health insurance not covering my crash at LRRS???

    Quote Originally Posted by isaac_ View Post
    If it’s his health insurance it shouldn’t matter whether he was racing or walking across the street.
    I totally agree that it shouldn't.

    That doesn't mean that it won't give them a reason to deny the claim.

    There's a reason that things like racer insurance exist.

    0 Not allowed! Not allowed!

  13. #13
    Lifer Pittenger5's Avatar
    Join Date
    Oct 2006
    Location
    Austin
    Age
    39
    Posts
    15,224

    Re: Health insurance not covering my crash at LRRS???

    These damn mountain bikes we all ride sure are dangerous, I'm amazed our health insurance haven't stopped including them.

    0 Not allowed! Not allowed!
    Zip Tie Alley #505

    Quote Originally Posted by Pookie View Post
    My favorite was you going through T2 with your eyes closed.

  14. #14
    #494
    Join Date
    Jan 2007
    Location
    Rochester MA
    Age
    46
    Posts
    717

    Re: Health insurance not covering my crash at LRRS???

    I've fought the same battle, ambulance ride from the track to Concord and all....once you get past the auto insurance thing they may start asking questions about the track, like whether you intend on pursuing litigation. They are a PITA with this, but just remember, racing is not against the rules! Eventually they will fuck off and pay it.

    0 Not allowed! Not allowed!

  15. #15
    Senior Member AEG's Avatar
    Join Date
    Aug 2012
    Location
    Simsbury, CT
    Posts
    627

    Re: Health insurance not covering my crash at LRRS???

    Just state that your Auto/moto insurance does not have Medical Coverage. That's all. Your Blue shield H/I tries to recover anything they can from the moto ins first before paying the rest. Tell them they can't.

    0 Not allowed! Not allowed!

  16. #16
    Lifer Garandman's Avatar
    Join Date
    Jun 2008
    Location
    Dorchester, MA / Mt Sunapee, NH
    Posts
    11,124

    Re: Health insurance not covering my crash at LRRS???

    BCBS always asks if any injury is from a vehicle accident or happened at work, so they can go after the other insurer and or Workman’s Comp.

    FWIW most State Attorney Generals offices have an office to investigate health insurance problems. When you start asking for the person you are speaking with phone number, extension, title, etc and tell them it’s because you are going to call the AG’s office with a complaint, an amazing transformation occurs and they are suddenly your new best friend.

    0 Not allowed! Not allowed!
    Last edited by Garandman; 11-19-17 at 07:41 AM.
    If you get a thumbs down from me, pm me, it was inadvertent

  17. #17
    Member MikeBike's Avatar
    Join Date
    Nov 2012
    Location
    Ferrisburgh, VT
    Posts
    89

    Re: Health insurance not covering my crash at LRRS???

    Some insurance companies do not cover motorcycle racing accidents. Its important to check with them prior to racing. Whereas track days is not racing but needs to be described as "Motorcycle Safety Training". Best of luck.....

    0 Not allowed! Not allowed!

  18. #18
    Senior Member AEG's Avatar
    Join Date
    Aug 2012
    Location
    Simsbury, CT
    Posts
    627

    Re: Health insurance not covering my crash at LRRS???

    Quote Originally Posted by MikeBike View Post
    Some insurance companies do not cover motorcycle racing accidents. Its important to check with them prior to racing. Whereas track days is not racing but needs to be described as "Motorcycle Safety Training". Best of luck.....
    Incorrect.
    Some auto/moto insurance companies might not cover the expenses for the motorcycle. A HEALTH insurance company will cover the health related expenses regardless where the injury occurred.

    0 Not allowed! Not allowed!

  19. #19
    Lifer Kurlon's Avatar
    Join Date
    Jun 2007
    Location
    Waterboro ME
    Age
    42
    Posts
    12,938

    Re: Health insurance not covering my crash at LRRS???

    Quote Originally Posted by AEG View Post
    Incorrect.
    Some auto/moto insurance companies might not cover the expenses for the motorcycle. A HEALTH insurance company will cover the health related expenses regardless where the injury occurred.
    Actually, there are some health insurance policies with clauses waiving coverage for 'competition' events, so you do need to read the paperwork carefully.

    0 Not allowed! Not allowed!
    771 Racing -=- FaceBook
    Mistake - 1992 WR250ZD / 2000 LS650P / 2019 KTM 150SX / 2016 KTM 250XC

  20. #20
    Lifer isaac_'s Avatar
    Join Date
    Jul 2014
    Location
    Central CT
    Posts
    1,082

    Re: Health insurance not covering my crash at LRRS???

    Quote Originally Posted by Kurlon View Post
    Actually, there are some health insurance policies with clauses waiving coverage for 'competition' events, so you do need to read the paperwork carefully.
    So a kid that gets hurt playing pee wee football wouldn’t be covered?

    0 Not allowed! Not allowed!
    Isaac LRRS/CCS #871 ECK Racing | Spears Enterprises | GMD Computrack Boston | Pine Motorparts/PBE Specialists | Woodcraft | Street & Competition | MTag-Pirelli | OnTrack Media
    Bike: SV650, Bride of Frankenstein

  21. #21
    Senior Member AEG's Avatar
    Join Date
    Aug 2012
    Location
    Simsbury, CT
    Posts
    627

    Re: Health insurance not covering my crash at LRRS???

    But we are not talking about the 'competition' event ...

    0 Not allowed! Not allowed!

  22. #22
    Lifer Garandman's Avatar
    Join Date
    Jun 2008
    Location
    Dorchester, MA / Mt Sunapee, NH
    Posts
    11,124

    Re: Health insurance not covering my crash at LRRS???

    Quote Originally Posted by AEG View Post
    Incorrect.
    Some auto/moto insurance companies might not cover the expenses for the motorcycle. A HEALTH insurance company will cover the health related expenses regardless where the injury occurred.
    Cut to the Chase: sounds like he has BCBS CT?

    Believe AMA has policies available for events.

    Seems like this is a growing problem.

    Hazardous health plans

    0 Not allowed! Not allowed!
    Last edited by Garandman; 11-19-17 at 12:36 PM.
    If you get a thumbs down from me, pm me, it was inadvertent

  23. #23
    Lifer Kurlon's Avatar
    Join Date
    Jun 2007
    Location
    Waterboro ME
    Age
    42
    Posts
    12,938

    Re: Health insurance not covering my crash at LRRS???

    Quote Originally Posted by isaac_ View Post
    So a kid that gets hurt playing pee wee football wouldn’t be covered?
    Depends on the plan and the terms defining competition.

    1 Not allowed! Not allowed!
    771 Racing -=- FaceBook
    Mistake - 1992 WR250ZD / 2000 LS650P / 2019 KTM 150SX / 2016 KTM 250XC

Posting Permissions

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