shah269 0 #1 July 31, 2009 So I call up my insurance co to see what the gig is with my bum leg. Due me being taken to a non member hospital I was a little worried. But then again hay what choice did I have? What was I going to say? "Hay guys, thanks for picking me up and all but can we drive the extra two hours to a hospital that can deal with my insurance companies bs? Thanks!" So any way I call up and well the bill to the insurance co is $50k. Hu...my leg now cost the same price as an Audi TT! And now I'm really worried....i whip out the calculator. If these bean counters want they can really screw with me. And even if they don't and I have to pay 5%....man that's $2.5k! How do you guys do it? My god? One broken leg and I'm looking at an early end to a great sport. I can't afford to dish out $2.5k+ and continue to progress? And it's not like I'm getting any younger! I'm 32. So if I'm out...the odds of me getting back in aren't that high. And honestly that really saddens me but then again I do have to deal with reality. I could be looking down the barrel of a $10k medical bill. And so I got to thinking, I couldn't be the only guy who has gotten hurt in this sport. How have those that have gotten hurt gotten back up? Did you start stripping for the blind? Did you sell a body part or two? Perhaps some vital fluids?Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools! Quote Share this post Link to post Share on other sites
piisfish 140 #2 July 31, 2009 take it as "yet another expensive part of teh progression"... don't stop after investing that much scissors beat paper, paper beat rock, rock beat wingsuit - KarlM Quote Share this post Link to post Share on other sites
Misternatural 0 #3 July 31, 2009 keep the faith....I took a ten year break, it's like riding a bike...i mean bicycle- you won't forget and we'll be here when you get back.Beware of the collateralizing and monetization of your desires. D S #3.1415 Quote Share this post Link to post Share on other sites
iambeav2 0 #4 July 31, 2009 Speaking of selling your body parts...just tell them they can have the leg back! ...it's not the fact that you don't appreciate what you have until it's gone...it's the fact that you don't appreciate what you have until someone appreciates it for you! Quote Share this post Link to post Share on other sites
shah269 0 #5 July 31, 2009 And to think I was going to get this! http://www.teammcc.com/new_vehicle_detail.asp?sid=01591608X7K28K2009J9I18I44JAMQ1932R0&veh=816&pov=1343935 and race it before I had this idea about chasing this dream of human flight. Frack I hope it's not going to kill me financially!Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools! Quote Share this post Link to post Share on other sites
d_squared431 0 #6 July 31, 2009 Just hope your insurance doesn't start denying the claims because it was a skydiving accident. Double check our policy. You did tell them in the ER you were playing a game of twister, right? TPM Sister#130ONTIG#1 I love vodka.I love vodka cause it rhymes with Tuaca~LisaH You having a clean thought is like billyvance having a clean post.iluvtofly Quote Share this post Link to post Share on other sites
skymama 37 #7 July 31, 2009 Quote You did tell them in the ER you were playing a game of twister, right? When I sprained my ankle from running out a landing, I was honest with the docs. I told them I was running through grass and tripped...I just didn't say where I was. She is Da Man, and you better not mess with Da Man, because she will lay some keepdown on you faster than, well, really fast. ~Billvon Quote Share this post Link to post Share on other sites
shah269 0 #8 July 31, 2009 Quote Just hope your insurance doesn't start denying the claims because it was a skydiving accident. Double check our policy. You did tell them in the ER you were playing a game of twister, right? Thakns buddy I feel so much better! Now I have to go read a 500 page document to see if skydiving accidents are covered. GREAT! This is starting to suck more and more every fracking moment! There goes lunch!Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools! Quote Share this post Link to post Share on other sites
gravitysurfer 0 #9 July 31, 2009 Quote Quote Just hope your insurance doesn't start denying the claims because it was a skydiving accident. Double check our policy. You did tell them in the ER you were playing a game of twister, right? Thakns buddy I feel so much better! Now I have to go read a 500 page document to see if skydiving accidents are covered. GREAT! This is starting to suck more and more every fracking moment! There goes lunch! If it happens again ask someone on the DZ to drag out and lay a step ladder next to you before the EMTs arrive. May help your case. aloha. Quote Share this post Link to post Share on other sites
cocheese 0 #10 July 31, 2009 This shit is priceless bro. Pay the piper. Quote Share this post Link to post Share on other sites
shah269 0 #11 July 31, 2009 You guys are so not helping. I live in NJ, wher a condo sets you back $300+k! And where a dork like me pulling in $100k is lower lower middle class! I think I may be fucked.....great! Well it was a fun 8 jumps. Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools! Quote Share this post Link to post Share on other sites
jumpwally 0 #12 July 31, 2009 You should have known what your coverage included before you started.....You need to think things thru and plan better,,,,But you have time now right ? smile, be nice, enjoy life FB # - 1083 Quote Share this post Link to post Share on other sites
wmw999 2,534 #13 July 31, 2009 You're being responsible in your approach. That's a good thing. Some folks do it by not getting hurt. Of course, that's easier said than done sometimes. But this is an expensive sport, between gear, training, jumps, and potential injuries. Not to mention the wear and tear on relationships when both parties don't skydive. You can go through the bills with a fine-toothed comb to make sure that your insurance company is only being charged what it should be. You can probably find out if skydiving is excluded pretty easily, but if it's a policy through work it's much less likely to be excluded. And, you didn't start skydiving until AFTER you had that policy. As far as how to save up the money, well, dunno. Different people do it different ways, but I'll bet you can make it happen. Wendy P.There is nothing more dangerous than breaking a basic safety rule and getting away with it. It removes fear of the consequences and builds false confidence. (tbrown) Quote Share this post Link to post Share on other sites
shah269 0 #14 July 31, 2009 Yeah I've been at this job for 7 years and this is my first real injury with this provider. And i'llhave to check their web page to see if skydiving is covered. And the paying for the gear and the flights and the classes I can do.....it's a little at a time. But if these bean counters come back with a $25k hell even a $5k bill....yeah there goes lunch. Like I said, it was a great 8 jumps Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools! Quote Share this post Link to post Share on other sites
Krip 2 #15 July 31, 2009 Hey Don't worry be happyDid you really think you were a good enough jumper that you would never get hurtCount you blessingsYour owee isn't life altering, you will recover from a broken legAt least you have some type of health insurance that may pay somethingAt least you have a job working with your brain instead of manual labor. Office workers have sick leave and vacation time to fall back on.Suck it up cup cake One Jump Wonder Quote Share this post Link to post Share on other sites
d_squared431 0 #16 July 31, 2009 Quote Quote Just hope your insurance doesn't start denying the claims because it was a skydiving accident. Double check our policy. You did tell them in the ER you were playing a game of twister, right? Thakns buddy I feel so much better! Now I have to go read a 500 page document to see if skydiving accidents are covered. GREAT! This is starting to suck more and more every fracking moment! There goes lunch! I wasn't trying to cause you more grief about the cost. I wanted you to be aware of it in the chance the insurance company denies and then you get a giant bill.TPM Sister#130ONTIG#1 I love vodka.I love vodka cause it rhymes with Tuaca~LisaH You having a clean thought is like billyvance having a clean post.iluvtofly Quote Share this post Link to post Share on other sites
JohnRich 4 #17 July 31, 2009 QuoteI call up and well the bill to the insurance co is $50k. My leg now cost the same price as an Audi TT! I have to pay 5%....man that's $2.5k! I can't afford to dish out $2.5k+ and continue to progress? I noticed that the "Audi TT" stood out immediately as something that doesn't fit in this picture. If you're driving a $50k car, you can afford to pay the $2.5k medical bill. And get back into skydiving. Sell the $50k car, and buy a cheaper one. The proceeds should cover your insurance bill, and the savings on your monthly car payment should pay for your skydiving. Which do you want to do the most: to drive an Audi TT, or skydive? Quote Share this post Link to post Share on other sites
SpeedRacer 1 #18 July 31, 2009 He didn't say he actually owns one, just that the hospital bill costs the same as one. Speed Racer -------------------------------------------------- Quote Share this post Link to post Share on other sites
shah269 0 #19 July 31, 2009 I WISH I HAD A TT! It was a dream car for a while.Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools! Quote Share this post Link to post Share on other sites
tigra 0 #20 July 31, 2009 The way my insurance works is if I am more than 90 miles from home and its considered an emergency, it is covered. When I was injured and treated at the "local" hospital, including surgery and an overnight stay, I only had to pay my standard co-payment, but I did need to stay on top of my insurance company pretty much throughout my whole recovery. Its very easy for the clerk processing the bills to put one in the wrong pile- you know the one that says "DENIED" in big red letters? And there are a LOT of bills associated with a broken leg. I assume you provided your insurance information to the hospital that treated you? And that the doctors at that hospital determined that it was in your best interest to treat you there that day instead of releasing you and having you go to your own doctor or hospital 2 hours away? Quote Share this post Link to post Share on other sites
shah269 0 #21 July 31, 2009 Quote I assume you provided your insurance information to the hospital that treated you? And that the doctors at that hospital determined that it was in your best interest to treat you there that day instead of releasing you and having you go to your own doctor or hospital 2 hours away? Yes and Yes. This is the US not th EU. The first thing they check isn't if you are alive it's if you have your insurance card in your hand. And yeah no way i could have gone home or to another hospital.Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools! Quote Share this post Link to post Share on other sites
dks13827 3 #22 July 31, 2009 what you might do , Shah, should do,, is start a letter writing campaign of protests about the denial, if it happens. 2 letters a week,, polite letters, stating that you had no choice for the emergency treatment......... that should be covered. I honestly believe that the new free coverage we all get will not be covering jumping. why should they ? people shouldnt jump out of airplanes anyway. Quote Share this post Link to post Share on other sites
d_squared431 0 #23 July 31, 2009 Quote what you might do , Shah, should do,, is start a letter writing campaign of protests about the denial, if it happens. 2 letters a week,, polite letters, stating that you had no choice for the emergency treatment......... that should be covered. I honestly believe that the new free coverage we all get will not be covering jumping. why should they ? people shouldnt jump out of airplanes anyway. It is by no means will be free...TPM Sister#130ONTIG#1 I love vodka.I love vodka cause it rhymes with Tuaca~LisaH You having a clean thought is like billyvance having a clean post.iluvtofly Quote Share this post Link to post Share on other sites
JohnDeere 0 #24 July 31, 2009 Quote Just hope your insurance doesn't start denying the claims because it was a skydiving accident. Double check our policy. You did tell them in the ER you were playing a game of twister, right? Is there something you two need to tell us?Nothing opens like a Deere! You ignorant fool! Checks are for workers! Quote Share this post Link to post Share on other sites
shah269 0 #25 July 31, 2009 A quick search of their web page brought nothing up for skydiving. As for benefits.... Accidental injury PPO: Nothing for outpatient hospital and physician services within 72 hours; regular benefits thereafter. hu? Medical emergency (Outpatient Physician services, hospital services and supplies) Non-Participating/Non-Member: 30%* of our allowance, plus any difference between our allowance and the billed amount. Note: For professional care provided in an emergency room by a Non-participating emergency room physician, your responsibility is limited to 100% of the billed amount up to a maximum of $350 per visit (No deductible). Note: These benefit levels do not apply if you receive care in connection with, and within 72 hours after, an accidental injury. HU? Oh this is going to be fun!Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools! Quote Share this post Link to post Share on other sites
