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Old 10-02-2007, 12:21 PM   #11 (permalink)
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That sounds like better than nothing insurance. $2500 deductable and you pay half the bill? Going into the county hospital will get you a better rate than that.

Half the bill could be $15k or more. I would think for slightly more money you can get much better coverage. This sounds like a way for the insurance companies to make easy low risk money to me...
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Old 10-04-2007, 01:47 PM   #12 (permalink)
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Well I chose the lowest rate since it offers "Accident Medical Option" which states: no out of pocket, paid before deductibles.

Otherwise I would choose the $500 deduc and 20% fee.

So, a ski accident is an accident correct? that is the only reason I'm looking at this.
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Old 10-04-2007, 01:51 PM   #13 (permalink)
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Right you need to be insured for the whole cost really, I've seen the bills for a broken back which set the insurance company back $300,000, so if your on a scheme where you pay half your still screwed for $150,000.
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Old 10-04-2007, 02:04 PM   #14 (permalink)
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Quote:
Originally Posted by Snowjoe
Right you need to be insured for the whole cost really, I've seen the bills for a broken back which set the insurance company back $300,000, so if your on a scheme where you pay half your still screwed for $150,000.
well these temp plans only go to 80/20, not 100%.

the key, I hope, is the "Accident Medical Option" = no $ owed from me.
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Old 10-04-2007, 02:34 PM   #15 (permalink)
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You are asking us? Dude - I'd suggest you call the company and ask that question. You don't want to pay all those bucks to get hurt then tell them... "well, swmike said it was an accident!"


Quote:
Originally Posted by nismo80
Well I chose the lowest rate since it offers "Accident Medical Option" which states: no out of pocket, paid before deductibles.

Otherwise I would choose the $500 deduc and 20% fee.

So, a ski accident is an accident correct? that is the only reason I'm looking at this.
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Old 10-04-2007, 02:54 PM   #16 (permalink)
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Quote:
Originally Posted by nismo80
Well I chose the lowest rate since it offers "Accident Medical Option" which states: no out of pocket, paid before deductibles.

Otherwise I would choose the $500 deduc and 20% fee.

So, a ski accident is an accident correct? that is the only reason I'm looking at this.
well if skiing / snow boarding is a 'sport' or worse, an 'extreme sport' by the insuring company's definiton, then no i won't be deemed an accident.

getting hit by a bus is an accident.

there's no avoiding it fella; you HAVE to read the fine print! especially the definitions
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Old 10-04-2007, 03:14 PM   #17 (permalink)
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yeah, i was just looking for others in a similar situation. but i was concerned about the extreme sport possibility. Didn't want to call right away and ask "If I get hurt snowboarding, that's an accident right?" to only hear "sorry you're not eligible for our coverage at all."
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Old 10-04-2007, 03:36 PM   #18 (permalink)
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Yeah you'll find that skiing and snowboarding are an extra catagory of cover called Winter Sports.
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Old 10-04-2007, 03:42 PM   #19 (permalink)
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Quote:
Originally Posted by nismo80
yeah, i was just looking for others in a similar situation. but i was concerned about the extreme sport possibility. Didn't want to call right away and ask "If I get hurt snowboarding, that's an accident right?" to only hear "sorry you're not eligible for our coverage at all."
fone calls don;t mean shit fella

if they tell you one thing, but your policy wording says another, than the fone call means sweet FA and you will be left your word against someone whose name you'll prolly not even know.
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Old 10-04-2007, 04:06 PM   #20 (permalink)
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well yeah, of course i will read the fine print once i receive it. getting a name and conversation # helps with phone calls tho.

looks like my best bet is 3 months, $2500 deduc and 100% covered for $170.
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