Private Health Insurance requiring minimum gear for riders

Discussion in 'The Perfect Line and Other Riding Myths' started by markk9, Aug 11, 2013.

  1. markk9

    markk9 Been here awhile

    Joined:
    Jun 17, 2008
    Oddometer:
    187
    Location:
    Greensboro, NC
    At the company I work for, there is talk about the health insurance requiring that if you participate in "high risk" activities, they are going to issue minimum safety equipment requirements to be covered. I asked specifically about motorcycles. Was told that motorcycle riders must attend an approved safety class every 2 years, and we will have a minimum gear requirement. They are taking about 3/4 or better helmet, over the ankle boots, motorcycle spec gloves, and motorcycle spec jacket. There is going to be a bunch of angry people if this goes through, it's not just motorcycles.
    #1
  2. RxZ

    RxZ Legal Drug Dealer

    Joined:
    Mar 27, 2010
    Oddometer:
    1,982
    Location:
    Tyler, TX
    Honestly, I have seen this coming for years. An insurance's obligation (any business really) is to its share holders or owners. How does an insurance company make money? By paying out for claims as little as possible. If they think making members wear safety gear will save them money, then of course they are going to do it. A hospital system I recently worked for would not hire you if you are a smoker. Lab work would test for it, and if positive, you are not hired. The reason: Smokers have a statistically increased rate of health issues and complications which would cost the insurance, and the hospital through increased premiums, money.

    Do I agree with it? Overall, yeah. I think I am ok with this stipulation to a plan.
    #2
  3. joexr

    joexr Banned

    Joined:
    Jan 4, 2011
    Oddometer:
    5,022
    I could see the gear part possibly passing , but to require you to take regular training , the insurance company would probably have to pay for it.
    #3
  4. DAKEZ

    DAKEZ Long timer

    Joined:
    Mar 18, 2007
    Oddometer:
    19,871
    Location:
    Begin Op Zoom
    Not to worry, The Government will soon dictate all heath insurance. Welcome to the Peoples Republic of the not so United States of America. :1drink
    #4
  5. joexr

    joexr Banned

    Joined:
    Jan 4, 2011
    Oddometer:
    5,022
    The government was SUPPOSED to be FOR the people , but now it's INSTEAD of the people.:deal They're not here for us , we're here to support them. We USED to be a free country.
    #5
  6. Robert_W

    Robert_W Does your dog bite? Yup!

    Joined:
    Aug 30, 2012
    Oddometer:
    5,161
    Location:
    NW Montana
    Try life insurance and a pilots license and watch your rate skyrocket. If they don't drop you first. :huh
    #6
  7. Easterner

    Easterner Just Landed

    Joined:
    Dec 28, 2012
    Oddometer:
    304
    Location:
    North & West of the Lights
    Where should the line be drawn or shouldn't there be any line? If more risk categories can be identified and quantified isn't that the fairest way to determine who is most likely to submit the claims?
    #7
  8. El Pescador

    El Pescador Been here awhile

    Joined:
    Nov 3, 2012
    Oddometer:
    266
    Location:
    Spring, TX
    I'll be ok with it, as soon as they start raising the rates for fat people...and not America's idea of fat, the world's standard.
    #8
  9. anotherguy

    anotherguy unsympathetic

    Joined:
    Jun 18, 2009
    Oddometer:
    9,281
    Location:
    the hills
    That would be a pre-existing condition. Can't deny you for that anymore.
    #9
  10. joexr

    joexr Banned

    Joined:
    Jan 4, 2011
    Oddometer:
    5,022
    I've had my motorcycle affliction since I was seven.:lol3
    #10
  11. Midnightventure

    Midnightventure -

    Joined:
    Dec 23, 2008
    Oddometer:
    933
    Location:
    Eldon,Mo
    I have a problem with people getting disability because they are fat. But then the government tables call me fat when I am really in pretty good shape. Just wide and solid.
    #11
  12. kristof-lars

    kristof-lars Adventurer

    Joined:
    Aug 8, 2013
    Oddometer:
    91
    Location:
    ventron lorraine france
    little off topic but any ideas on traveller insurance? im heading over seas and need this as part of my visa was wondering if riding over there now requires more equipment?
    #12
  13. KoolBreeze

    KoolBreeze Been here awhile

    Joined:
    Jan 21, 2007
    Oddometer:
    608
    Location:
    lower west side USofA
    welcome to capitalism. those who don't like it? switch insurance companies, or employers.

    fixed


    recognized for what it is... you either get with the program. or figure something else out1 :rofl
    #13
  14. RxZ

    RxZ Legal Drug Dealer

    Joined:
    Mar 27, 2010
    Oddometer:
    1,982
    Location:
    Tyler, TX
    And here's is the problem. It's isn't capitalism because you can not pick between several plans or insurance
    companies . The company is designated by your employer. Getting an outside policy will cost 3x what you pay through a work plan.
    #14
  15. Mr_Snips

    Mr_Snips Husky BRAAAAAAAAP!

    Joined:
    Oct 31, 2009
    Oddometer:
    356
    Location:
    Yucca Valley, CA
    Been dealing with it for the past 4 years as Active duty. Some people will abide by the rules and some wont. Over all i bet you wont see any real change in what people wear.
    #15
  16. ZEmann

    ZEmann want to be riding

    Joined:
    Jul 19, 2013
    Oddometer:
    659
    Location:
    Arizona
    health insurance through work ??

    ahhh I remember those days

    now we get 50 bucks a month and have to find our own

    guess it beats a poke in the eye? so paying 200 bucks a month out of pocket and a 5k deductible my insurance is really on good for a major deal like a heart attack and even then it would put me in the poor house

    I was asked about motorcycles when I signed up but I didn't have one then

    I was asked about alcohol also LOL :freaky


    i would abide by the boots,gloves,helmet , but the jacket would actually kill me faster here in the AZ desert
    #16
  17. slartidbartfast

    slartidbartfast Love those blue pipes

    Joined:
    Dec 23, 2003
    Oddometer:
    6,966
    Location:
    Southern Louisiana or Southern England or ...
    It would seem the insurance companies have access to some information that many motorcylists deny the existence of. I don't really have a problem with the idea but there needs to be an option to simply pay a higher premium rather than saying you HAVE to do this or that in order to have coverage.

    Requiring people to wear certain gear or take training seems like opening a can of worms. What if someone has a wreck and is hospitalized for head injuries but wasn't wearing the "approved" footwear? Are they covered? What if their helmet doesn't fit or the faceshield is badly scratched, etc. Who is going to make the call as to whether it meets requirements or not and will they try to deny claims over such things. Should car drivers be denied coverage if their car doesn't have an airbag or ABS?
    #17
  18. ZEmann

    ZEmann want to be riding

    Joined:
    Jul 19, 2013
    Oddometer:
    659
    Location:
    Arizona
    From what I gather the insurance companies already do deny claims if your not wearing the proper saftey gear


    a seat belt :deal
    #18
  19. genespleen

    genespleen Been here awhile

    Joined:
    Feb 5, 2010
    Oddometer:
    181
    Location:
    mid-Missouri
    Can't wait!
    #19
  20. DAKEZ

    DAKEZ Long timer

    Joined:
    Mar 18, 2007
    Oddometer:
    19,871
    Location:
    Begin Op Zoom
    Sheep.
    #20