Does your health insurance cover "jet skiiing" ?

[BareBacked]

I am looking over my policy and it appears I am not covered for many sports.

is this standard? It feels like a scam to me

[drmadcat]

i dont have health insurance

[96ukssob]

do you have one of those cheap plans from Atena? my friend had one and they had a laundry list of things that you were not covered for, called a "non-exclusive" plan. Essentially if he caught the flu, he had to prove it was not from someone under the age of 16 and over the age of 72 or his insurance wouldn't cover a doctor visit

[BareBacked]

NO its not Atena but it is an international one.
I am in the process of getting it changed. This is such a racket.

[bronco67]

I don't think most insurance policy have a "injured while doing dumb shit" clause.

[Slappin Fish]

health insurance contracts always exclude motor sports, including boating and jet skiing. mountaineering and white water rafting are also no-nos.

[O MARINA]

what about surfing?

[BareBacked]

Originally Posted by Slappin Fish

health insurance contracts always exclude motor sports, including boating and jet skiing. mountaineering and white water rafting are also no-nos.

You serious this is the Default?
There is like a whole list of things it does not cover and its 20% premium for it to be covered now that I ask them about it

crazy.

[Dvae]

Originally Posted by Slappin Fish

health insurance contracts always exclude motor sports, including boating and jet skiing. mountaineering and white water rafting are also no-nos.

and sky diving

[Black All Through]

Health care is your right not a privilege where I come from and the funny thing is you actually get to see a doctor in an emergency room, while in America you see some assistant or a nurse.

[Dvae]

Originally Posted by Black All Through

Health care is your right not a privilege where I come from and the funny thing is you actually get to see a doctor in an emergency room, while in America you see some assistant or a nurse.

You have absolutely no idea what you are talking about.
1. Healthcare is not a right nor should it be, but you're entitled to your opinion.

2. I have been to the emergency room on several occasions with injuries that required immediate surgery from a specialist in this case an orthopedic surgeon, which are always on call. In all cases was in surgery within a few hours and 2 of these incidents were after 6PM.

[shimmy2]

metlife makes you sign a waver that says for the first 2 years you cannot participate in:

auto racing
cave diving
sky diving
scuba/snorkeling
and a few other things... i think jetskiing was not on the list. also you cant kill yourself in the first 2 years.

[TheDoc]

Originally Posted by Dvae

You have absolutely no idea what you are talking about.
1. Healthcare is not a right nor should it be, but you're entitled to your opinion.

Actually you have no idea what you're talking about...

In America, Healthcare is a civil right, which was not always equal and still isn't today. In other Countries it's a birth right, as equal as our right to liberty is here - which is a granted right at birth.

More examples of civil right include MONEY (yes, the greenback is a granted right, same as gold, commerce, etc) and social security, driving on roads, the legal right to do business, and even Marriage!

Unless you're born with it, it's not a natural or absolute right.

Life is the only absolute right, while it can be taken away, it's the only right that doesn't take something from someone else and does not require a law or rule for it to take place.

Every other right we have, 100% of them, was given to you by another person, because some other person stepped on the right long before you came around.

I always find it funny when people such as yourself don't support healthcare as a right but use every other right already granted to you before you were born, like it's second nature to you, as if it's natural and always has been...... yeah, try taking away a right you have (even a civil right) and I guarantee you'll be singing a different "rights" song then.

[BareBacked]

Originally Posted by shimmy2

metlife makes you sign a waver that says for the first 2 years you cannot participate in:

auto racing
cave diving
sky diving
scuba/snorkeling
and a few other things... i think jetskiing was not on the list. also you cant kill yourself in the first 2 years.

Ya this is all on my list too
along with this one the real kicker..

"abnormal or extraordinary risk of injury"


Abnormal? Whos normal? I normally dont ride a mtn bike but I might like too and I might get hurt. Will I be covered?

This is insane

[kane]

You would be shocked at what they don't cover. Obviously if he policy says it won't cover you if you are doing something that is one thing, but in some cases they will find reasons not to pay.

Case in point. A friend of mine's 12 year old daughter went out riding her bike with her friends. She, at the insistence of her mom, had her helmet one when she left the house, but she took it off down the street because she wanted to be cool. She crashed the bike, hit her head on the curb and fractured her skull. She had to have two surgeries, spent a lot of time in intensive care and had about 9 months of rehab after. Luckily she made a full recovery. Total medical cost was more than $450,000. The insurance company refused to pay. When asked why they said that the town they live in has a mandate that all kids under the age of 16 must wear a helmet while riding a bike. Since she didn't have hers on she was breaking the law and they don't cover anything you do while breaking the law.

They are still fighting the case. It is looking like they might win, but you never know.

Insurance companies are scum. . .sadly, however, it is the system we have.

[BareBacked]

Originally Posted by TheDoc

Actually you have no idea what you're talking about...

In America, Healthcare is a civil right, which was not always equal and still isn't today. In other Countries it's a birth right, as equal as our right to liberty is here - which is a granted right at birth.

More examples of civil right include MONEY (yes, the greenback is a granted right, same as gold, commerce, etc) and social security, driving on roads, the legal right to do business, and even Marriage!

Unless you're born with it, it's not a natural or absolute right.

Life is the only absolute right, while it can be taken away, it's the only right that doesn't take something from someone else and does not require a law or rule for it to take place.

Every other right we have, 100% of them, was given to you by another person, because some other person stepped on the right long before you came around.

I always find it funny when people such as yourself don't support healthcare as a right but use every other right already granted to you before you were born, like it's second nature to you, as if it's natural and always has been...... yeah, try taking away a right you have (even a civil right) and I guarantee you'll be singing a different "rights" song then.

Does your hea;th insurance cover you on a jetski?

[raymor]

Ah the difference between rights, privileges, and things that the majority chooses to allow.

I think most here would agree that the right of free speech means you can think and say things that other people don't like. There's no "right" involved with saying things other people like to hear. The right of free speech comes in when you say things the majority doesn't want you to say. Hopefully we're together so far. The key here is that a RIGHT, for it to have meaning as a right, is something you can do even when the majority or the government doesn't like it.

The constitution says that the government may not infringe on the rights of the people. Not that the government must GRANT rights, but that they may not infringe or violate rights. That makes sense because if the majority, through government, could grant rights it could also take them away. We already know that a "right" subject to the whim of the government is no right at all.
A "right" to speak my mind only if Obama likes what I have to say is no right at all.


If a right is something the government can't take away (only violate) and therefore can't grant, where does it come from? The founders said we are ENDOWED with certain rights by virtue of our humanity, that these rights are part of us as we were created. That is why though people may violate our rights, they can not remove them from us, and therefore could not have given them to us.

Originally Posted by TheDoc

Every other right we have, 100% of them, was given to you by another person

A road, a business license, anything someone else can legitimately give me, they can also legitimately take away. It is therefore not a right, but a convenience.

[TheDoc]

Originally Posted by BareBacked

Does your hea;th insurance cover you on a jetski?

I'm a vet.... it covers all stupidity.

[TheDoc]

Originally Posted by raymor

Ah the difference between rights, privileges, and things that the majority chooses to allow.

I think most here would agree that the sought of free speech means you can think and day things that other people don't like. There's no "right" involved with saying things other people like to hear. The right of free speech comes in when you say things the majority doesn't want you to say. Hopefully we're together so far. The key here is that a RIGHT, for it to have meaning as a right, is something you can do even when the majority or the government doesn't like it.

The constitution says that the government may not infringe on the rights of the people. Not that the government must GRANT rights, but that they may not infringe rights. That makes sense because if the majority, through government, could grant rights it could also take them away. We already know that a "right" subject to the whim of the government is no right at all.
A "right" to speak may mind only if Obama likes what I have to say is no right at all.


If a right is something the government can't take away (only violate) and therefore can't grant, where does it come from? The founders said we are ENDOWED with certain rights by virtue of our humanity, that these rights are part of us as we were created. That is why though people may violate our rights, they can not remove them from us, and therefore could not have given them to us.



A road, a business license, anything someone else can legitimately give me, they can also legitimately take away. It is therefore not a right, but a convenience.

Legally speaking... they are not privileges, they are civil rights granted by courts, rules or regulations.


An absolute or natural right is the ONLY true right in the world... freedom of speech is given to you and can be, has been, even in America, forced taken away, even 100's of years ago, well before Obama.

The founders "granted" us those rights... and claimed them to be a virtue of our humanity, for "Americans" not the entire world.

[GAMEFINEST]

From what i know, those are exclusions...its not really a health problem, but you got hurt while doing a dangerous sport...i used to work with bcbs

[CYF]

Originally Posted by BareBacked

I am looking over my policy and it appears I am not covered for many sports.

is this standard? It feels like a scam to me

your jet ski insurance policy should have a token amount ($2,500/5,000 or so) of medical coverage.

[BareBacked]

Originally Posted by CYF

your jet ski insurance policy should have a token amount ($2,500/5,000 or so) of medical coverage.

I do not own a jetski

[BareBacked]

Anyone else?