The cost of crashing

Discussion in 'The Perfect Line and Other Riding Myths' started by scapegoat, Sep 10, 2019.

  1. Tor

    Tor Imported Norwegian

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    Nah, that's a bad backup plan. If you're old, go rob a bank in your hometown (preferable being armed, the sentence is usually longer), then just have a seat and wait for the cops to arrive. I'd say you'd get about 10 years of excellent hospitality and care, absolutely free :lol3
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  2. nevermind

    nevermind over it.

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    duh?
    My friend, don't fall for it. COMPETITION is the answer, not Regulation....
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  3. foxtrapper

    foxtrapper Long timer

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    Been bitten by these myself, more than once. Emergency rooms are extremely dangerous for this.

    Another one that hasn't quite gotten me yet, urgent care clinics. Be careful! some are actually hospital emergency room extensions, so they are subject to all the disallowments of many policies for inappropriate emergency room use. Make darn sure any urgent care clinic you visit is indeed not an emergency room. This one is a growing game around here.
    #43
  4. Sal Pairadice

    Sal Pairadice Captain Obvious

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    Man, this is one wild thread. Guy gets hurt at work, not covered by workmen's comp, medical costs to bankrupt the guy, insurance not enough and talk of shooting yourself in the head on the with your 'murican freedom. Holy shit. Take a look at us guys. Take a real look. Canada is not dealing with the shit.

    I have the best insurance you can get. My wife works for the insurance company. She makes peanuts. The CEO makes $15 million a year. And guys talk about shooting themselves in the head to avoid medical bills. It is wrong. We have to smarten up.

    Like I sad, Canada is not dealing with this. I was just up in Nova Scotia riding the Cabot trail last week. I met a Canadian rider who told me that when he comes to the US has has to buy medical insurance for $100/day.
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  5. Owen Snell

    Owen Snell Been here awhile

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    I guess you have the same option as we do regarding waiting lists - private insurance separately / pay as you go for stuff you think is important but isn't urgent for the system.

    Typically, our NHS (all taxpayer funded) does an amazing job with urgent treatment - stroke, heart attack, serious injury, cancer etc. Everything will happen fast and with no charges. They are resource limited, so if you have a minor injury, you will have to wait in line. If you have a non urgent health issue, maybe your hip is wearing out, you will be on a waiting list. But you still have the option to pay privately and jump the queue if you want. A quick search shows total medical costs (private plus public) over double in the US compared to the UK, Canada is a little higher than the UK.
    #45
  6. bomose

    bomose Long timer

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    I rode with a friend from Canada last week. He and his friends come to NC every year. He's never mentioned having to buy insurance for $100/day. He says it's great in Canada to go into any clinic and not pay anything, but if you have any real problem and need an MRI or specialist, be prepared to wait at least 6 months for an appointment. If you have cancer or any number of other diseases, you could be dead in that time. Be careful what you wish for.
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  7. rd400racer

    rd400racer Long timer

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    I was acting like a jackass and flipped my RD400 while popping a wheelie which resulted in the footpeg landing directly on my tib/fib. I spent 14 months in an external fixator and had 6 surgeries to keep my leg. Total cost to me was less than $500 but I'm sure the entire ordeal was in the hundreds of thousands. This was in 1998.
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  8. Sal Pairadice

    Sal Pairadice Captain Obvious

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    So, because you never heard of it it doesn't exist?

    The mortality rate in Canada is lower than the U.S.. 681 for Canada vs 826 for the U.S.

    https://www.healthsystemtracker.org/chart-collection/mortality-rates-u-s-compare-countries/
    #48
  9. Uke

    Uke visualist Super Supporter

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    I'm not affiliated with them other than a dedicated user / patron, but for me a Helite air vest is an essential component of my ATGATT. I've had enough back issues already in my 65 years to risk anything worse.

    And being 65, I now have Medicare which I pay for since I don't draw social security, despite the Medicare premiums, it's a better deal for me although not every doc takes Medicare.

    I will be a rider so long as I can throw a leg over.
    #49
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  10. DittyBag

    DittyBag A bag of dirty stuff

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    That was good old days. Notice now, how you cannot get close to a straight answer when discussing costs for this or that procedure. I remember around that time - ish that Blue Cross (non-profit) was having to refund premiums because their costs were way lower than they had predicted. Hell, I received money back then. What happened?!!! When O-care came out, I think that it provided an excuse or safety net (they thought) for employers to ditch the idea of providing this benefit to their employees. It was shitty to do that without coming forward and saying it, but who can blame them. The costs were increasing rapidly. Why? IDK, but litigation, indigent care, required care for illegal immigrants at ERs, and the fact that charged costs were largely dependent on what you could afford. So, if you had "good" insurance, you paid the most. If you didn't have insurance, and you went to an ER, they billed you but you never paid. Anecdotally, I know some of those people. When I had a preeme at Wake Forest, the kid was in the NICU unit. One day, the nurses there were pissed because a women showed up at the hospital during labor. Nurse said that it happens all the time. WF doesn't deliver babies ordinarily, so they have to bring them to the high cost NICU unit for a healthy delivery -- and it all ends up free....at 10 times the cost.

    The thing about Canada seems to be that they have system where the individual pays a lot of their own way through taxation. Which may be fine for them. IDK, but I do not think that they have a large poor illegal immigrant population (11MM people that for sure don't have insurance). In the US, data suggests that about 50% or more of the US citizen population doesn't work a job (72MM kids <17, 8MM w/o a job, 44MM retired, 15MM disabled, 15MM in collage, 13MM taking care of someone else). And, inside of the amount that do work, many have jobs where the pay is very low. 51% of the people who ARE working, make less than $30K per year. So low, that they do not / cannot contribute the the healthcare pot. If you are counting, that's maybe 200MM out of 327MM whose chances of paying for their healthcare is unlikely. All 200,000,000 of those people need medical care, just like you and me. So that leaves companies, the wealthy, and the working middle to foot the bill. The only group left holding the bill is largely the working middle because they cannot game the system. I'm guessing that the working middle, only make up about 20% of the US population. That's the difference IMO in the Canadian utopia. In order for a socialistic system to work, there has to be many more contributors to that system. That's why O-care required participation in some fashion, because they knew that the numbers wouldn't work. Does Canada have 200MM people to take care of who cannot pay their own way? Oh wait, Canada only has 37MM people total.


    NOT referring to your post, but it is fascinating, how often contributors to an advrider thread, like this one, attempt to tell others how to live and what their values should be, even when they do not know what values the other person holds.
    #50
  11. rd400racer

    rd400racer Long timer

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    Oh trust me, my accident in which I came precariously close to losing my leg didn't dampen my spirits one bit. I've been road racing for the last 20 years so I'd say it's an afterthought now:D
    #51
  12. DittyBag

    DittyBag A bag of dirty stuff

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    :nod
    I know a guy. He's sitting on $2MM right now that he earned the hard way. Blue collar, tight, and STILL saves like there is a tomorrow. He suffered a debilitating stroke 1 + year ago. He told me AGAIN the other day, that he didn't know why he had put all that effort into that nest egg when "I can never use it now". What did he mean by that? I won't judge him. But, it seems to me, and probably to him, that he missed out on a lot. Guess I'll never know for sure, but it seems sad.
    #52
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  13. tlub

    tlub Long timer Supporter

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    Hahahahahahahahaha.
    How is the heck do you competitively shop when you're laying in the road, hurt? How do you even compare?
    I want some of the Kool Aid you've been drinking.
    OK, now I realize you weren't serious.
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  14. CCitis

    CCitis Been here awhile

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    Canada here..... ok i'll stop now :hide
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  15. bomose

    bomose Long timer

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  16. Sal Pairadice

    Sal Pairadice Captain Obvious

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    Oh, FFS> Yes, the guy said it like that and I wrote it like that - but, he doesn't have to buy it, legally. He has to buy it so in case he gets hurt his medical bills will get paid and he won't lose his house or savings.

    I wasn't making a huge point out of it, Canada has a totally different system. I am not saying they should cover their people here, but I have had more than one Canadian say that they cover us if we crash while in Canada. I just mention it because I was riding in Canada last week..rented a Harley and a guy at the dealership mentioned that. Here is a pic of my rented Harley on the Cabot Trail. BTW what a fabulous scenic ride. harleycapebretton.jpg
    #56
  17. ChaoSS402

    ChaoSS402 Been here awhile

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    Our medical system has problems without a doubt, but every time I hear the US system compared to the rest of the world I wonder if people forget the extent to which our for profit system subsidizes the rest of the world by developing new drugs and treatments, you know, because profit.
    #57
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  18. imnothng

    imnothng Been here awhile

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    I want to say something about the US spending shit trillions on their military, but I haven't the time. I'm sure most people believe they need to do it because of the enemies at the gates.
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  19. foxtrapper

    foxtrapper Long timer

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    Americans are certainly told that. Over and over again, by politicians, lobbyists, and advertising by medical companies.

    But when you look at where developments and advancements come from, you find it to be places like France, Brazil, etc. Rarely is it the USA.

    Odd too that for a supposedly fantastic medical system that the USA has, they lead in things like infant death.

    The gentlemen who invented insulin for diabetes treatment gave it all away, because they believed it was vital to the public good. They gave it away. American companies have profitized it, letting people die so they can make millions of dollars off a free gift they were given.

    Perhaps the pursuit of profits isn’t always the best path.
    #59
  20. DittyBag

    DittyBag A bag of dirty stuff

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    Perhaps it isn't the best path in a utopian world. But we don't live there. Private enterprise has had more to do with the advancement of mankind than anything. Way more than those who fall through the cracks. With the charities and other organizations, not to mention family that are available, there is no reason that someone should die because they cannot afford insulin. Probably happens anyway, but not on a significant scale, as compared to....medical mistakes, for example.

    When I go to work, I no longer consciously do it so that I can afford a loaf of bread and clean water. I do it because I want to profit. With profit, I can buy a motorcycle, blah, blah, blah....
    #60