Health Insurance

[Hausse 0]

Hey everybody

I'm just looking to get a new health insurance here in the US (Michigan) and since I skydive I wanted to know if I have to be carefull about certain things considering risky sports.
I will need an international policy that will make a difference I guess, but are there policies that exclude skydiving?

Anybody has a tip what company and plan I should go with or what to avoid? Money isn't really an issue since the US health insurance will be way cheaper than my Swiss one no matter what so I'll save money anyways.

Btw: I'm 19, non smoker and healthy

[Hausse 0]

Nobody has a health insurance here?

[JohnMitchell 16]

Like most of us, my coverage is through my employer. Usually only self employed Americans get insurance directly from the companies. My in-laws had their own business for years and had to buy private insurance. It was pretty pricey.

[NWFlyer 2]

Insurance laws differ from state-to-state, and every policy is different.

The only across-the-board advice anyone could give you is "read the details." If you don't get it through your employer or school, you can start by looking on an online broker like www.ehealthinsurance.com. As always, the devil is in the details, so be sure to get the full certificate of coverage and read carefully before making a decision.

"There is only one basic human right, the right to do as you damn well please. And with it comes the only basic human duty, the duty to take the consequences." -P.J. O'Rourke

[Hausse 0]

Hey thank's for you tips. It seems to be a smaller concern than I would have expected. Pretty surprising seeing that most of us jump out of planes which isn't really the safest thing.

I'll probably go with a low deductible and low co-payment. I looked at ehealthinsurance and they gave me some really nice quotes. $1500 deductible and 0% Copayment for 106$ per month. I think I'll go with something like that.

[tetra316 0]

Try Blue Cross/Blue Shield. I got my own policy directly when I went back to school. $150 month for a $500 deductible. A $5000 deductible was round $100 month. And it's exactly the same coverage as I had through my employer.

[Hausse 0]

So for those who have insurance: Did you never check how skydiving is covered? And if you did what did you find out?

[akarunway 1]

Quote

Hey everybody

I'm just looking to get a new health insurance here in the US (Michigan) and since I skydive I wanted to know if I have to be carefull about certain things considering risky sports.
I will need an international policy that will make a difference I guess, but are there policies that exclude skydiving?

Anybody has a tip what company and plan I should go with or what to avoid? Money isn't really an issue since the US health insurance will be way cheaper than my Swiss one no matter what so I'll save money anyways.

Btw: I'm 19, non smoker and healthy

Watch the movie "Sicko"

I hold it true, whate'er befall;
I feel it, when I sorrow most;
'Tis better to have loved and lost
Than never to have loved at all.

[SuperGirl 0]

do a search here on the forums, this has been discussed a lot in the past.

IIRC blue cross/blue shield is one of the few good insurance policies that don't care if you skydive. Actually I believe a few more options from Cross Agency work fine with skydiving. If you can get this through a school or employer it's great (I've been lucky enough to be able to do that so far), otherwise I guess you can get it on your own like Tetra suggested.
You still have to check with them to make sure you're covered, whichever policy you decide to get. Usually they'll either ask you about it when you sign up, or you can find details in the fine print.

[Hausse 0]

I checked online and I like the Flexible Blue 1500 from BCBS but I can't find the fine print they don't seem to have it available online.

[monkycndo 0]

I had HealthNet when I got injured. They covered the majority of the costs for surgery and rehab. The only exclusion for high risk activities was if it occurred during intercollegiate sports or as a profession. As a sport jumper, not excluded.

50 donations so far. Give it a try.

You know you want to spank it
Jump an Infinity

[Muenkel 0]

The policy I had through my last employer did not exclude injuries due to skydiving. Even my life insurance policy did not exclude it.

They're all different, so ask the questions and be honest.

_________________________________________
Chris

[tmaricle55 0]

Quote

So for those who have insurance: Did you never check how skydiving is covered? And if you did what did you find out?

The company I work for is Insurance/Medical and they do know and still cover my injuries.

Muff Brother # 3883, SCR # 14796 ICD # 1 - Pres.
Yeah, I noticed and I think it's funny!

[airdvr 201]

Whatever coverage you decide on look really hard at the actual policy when you get it. Their are plenty of unscrupulous agents out there who will tell you what you want to hear just to get your business.

Don't depend on the brochure or the website to tell you everything. There's alot of verbage out there that says something like "this is only a partial list of exclusions". I beleive every policy in the US has a "right to examine" period, usually 10 to 30 days. If you don't like what you see you can refuse the coverage and get your money back.

Please don't dent the planet.

Destinations by Roxanne

[Hausse 0]

I actually already tried to find the policy of Blue Cross Blue Shield online, but they are not there. I'll have to call them or go by their office.

[Hausse 0]

I actually already tried to find the policy of Blue Cross Blue Shield online, but they are not there. I'll have to call them or go by their office.