Harley Davidson Community

mrglide · Oct 28th, 2009, 05:24 PM

A few years ago there was a motion in Congress to require health insurance companies to include medical payments for bike accidents in their policies. At least a few companies were starting to drop bike, parachuting, etc. accidents from their policies.

Anyone heard about this and what happened?

Jack Klarich · Oct 28th, 2009, 06:23 PM

Scare tactics

mrglide · Oct 28th, 2009, 11:06 PM

Quote: Originally Posted by Jack Klarich View Post

Scare tactics

Not sure what you mean. Are you saying no companies ever dropped some high risk medical coverage? Or, that I made this up?

Jack Klarich · Oct 29th, 2009, 06:31 PM

No not at all I have heard alot of scare tactics by insurance bompanys saying we are a high risk because we choose to ride murder cycles as they put it no offense intended I had Allstate drop me because I ride a Harley They called back 2 months later to sign me up again and asked if I still had the Harley Guess what that was the end of that My new agent again is calling me again I have allstate on my house but they wont cover my bike go figure

mrglide · Oct 29th, 2009, 07:26 PM

Quote: Originally Posted by smitty901 View Post

Sounds like someone trying to scare people in to this national health care thing.No insurance company cancels you because you ride. Unless you rack up a few to many tickets and otr DWI.

I am not trying to scare anyone or force anyone into anything. I was asking a question. I ride a Harley and do not want to wake up one day in the hospital and find out I have no health insurance. Without knowing me, or apparently anything about the subject, you seem to be making false assumptions.

Please read the following excerpt from an old (1995) article:

Quote:

"A bipartisan bill to end health-care discrimination against motorcyclists and ATV enthusiasts has been introduced in the U.S. House.

Rep. Michael Burgess (R-Texas) and Rep. Ted Strickland (D-Ohio) introduced H.R. 2793--"The HIPAA Recreational Injury Technical Correction Act," which would bar health-care discrimination against those who take part in legal transportation and recreational activities such as motorcycling, ATV riding, snowmobiling, or horseback riding.

Sen. Susan Collins (R-Maine) and Sen. Russ Feingold (D-Wis.) introduced similar legislation in the Senate: S. 577, "The HIPAA Recreational Injury Technical Correction Act."

On Aug. 21, 1996, President Clinton signed into law the Health Insurance Portability and Accountability Act (HIPAA) to prohibit employers from denying health care coverage based on a worker's pre-existing medical conditions or participation in legal activities, such as motorcycling.

Later, federal bureaucrats reversed the law, writing rules to allow health-insurance discrimination against motorcyclists and others who engage in legal activities like ATV riding, or horseback riding."

I doubt the HIPAA with this provision was passed into legislation for no reason. The part that concerns me is how 'bureaucrats' could reverse the law. That sounds a bit strange.

So, again I ask... does anyone know the status of this?

nogoslim · Oct 30th, 2009, 12:01 AM

Quote: Originally Posted by mrglide View Post

I am not trying to scare anyone or force anyone into anything. I was asking a question. I ride a Harley and do not want to wake up one day in the hospital and find out I have no health insurance. Without knowing me, or apparently anything about the subject, you seem to be making false assumptions.

Please read the following excerpt from an old (1995) article:

I doubt the HIPAA with this provision was passed into legislation for no reason. The part that concerns me is how 'bureaucrats' could reverse the law. That sounds a bit strange.

So, again I ask... does anyone know the status of this?

Yes I've heard of this. The topic was going around some of my ABATE buddies. I'll ask around and see what I can find out from those who know...
No scare worries here!

abselite · Oct 30th, 2009, 09:13 AM

I doubt that this was regarding medical insurance. However, it is an exclusion for some LIFE insurance policies.

I was turned down for life insurance many years ago due to my riding a motorcycle, parachuting and riding bulls. Hmmmm....go figure!

glider · Oct 30th, 2009, 09:15 AM

I had insurance with a local company that stopped writing bike policies years back. Had to be placed with a different company by the agent.

Dr. Dolittle · Oct 30th, 2009, 09:20 AM

Quote: Originally Posted by mrglide View Post

I am not trying to scare anyone or force anyone into anything. I was asking a question. I ride a Harley and do not want to wake up one day in the hospital and find out I have no health insurance. Without knowing me, or apparently anything about the subject, you seem to be making false assumptions.

Whoa, take a deep breath and relax. Noone's accusing YOU of using scare tactics. The way I read the posts, everyone's talking about insurance companies and/or political folks who shape policies. Personal attacks are highly frowned on here so you can smooth your tail feathers back down!

glider · Oct 30th, 2009, 09:28 AM

Quote: Originally Posted by Dr. Doolittle View Post

Whoa, take a deep breath and relax. Noone's accusing YOU of using scare tactics. The way I read the posts, everyone's talking about insurance companies and/or political folks who shape policies. Personal attacks are highly frowned on here so you can smooth your tail feathers back down!

Exactly correct.

Oct 28th, 2009, 06:23 PM	#2
Jack Klarich Contributor$ Ride: 2007 Streetbob Join Date: Sep 25th, 2009 Location: Jacksonville, Florida Posts: 11,414 My Mood:	Re: Bike Medical Insurance? Scare tactics

Oct 28th, 2009, 11:06 PM	#3
mrglide Warming The Wheels Ride: '09 FLHTC Join Date: Jun 2nd, 2009 Posts: 62 My Mood:	Re: Bike Medical Insurance? Quote: Originally Posted by Jack Klarich View Post Scare tactics Not sure what you mean. Are you saying no companies ever dropped some high risk medical coverage? Or, that I made this up? __________________ '09 FLHTC, black, of course

Oct 29th, 2009, 06:31 PM	#4
Jack Klarich Contributor$ Ride: 2007 Streetbob Join Date: Sep 25th, 2009 Location: Jacksonville, Florida Posts: 11,414 My Mood:	Re: Bike Medical Insurance? No not at all I have heard alot of scare tactics by insurance bompanys saying we are a high risk because we choose to ride murder cycles as they put it no offense intended I had Allstate drop me because I ride a Harley They called back 2 months later to sign me up again and asked if I still had the Harley Guess what that was the end of that My new agent again is calling me again I have allstate on my house but they wont cover my bike go figure

Oct 29th, 2009, 07:26 PM	#5
mrglide Warming The Wheels Ride: '09 FLHTC Join Date: Jun 2nd, 2009 Posts: 62 My Mood:	Re: Bike Medical Insurance? Quote: Originally Posted by smitty901 View Post Sounds like someone trying to scare people in to this national health care thing.No insurance company cancels you because you ride. Unless you rack up a few to many tickets and otr DWI. I am not trying to scare anyone or force anyone into anything. I was asking a question. I ride a Harley and do not want to wake up one day in the hospital and find out I have no health insurance. Without knowing me, or apparently anything about the subject, you seem to be making false assumptions. Please read the following excerpt from an old (1995) article: Quote: "A bipartisan bill to end health-care discrimination against motorcyclists and ATV enthusiasts has been introduced in the U.S. House. Rep. Michael Burgess (R-Texas) and Rep. Ted Strickland (D-Ohio) introduced H.R. 2793--"The HIPAA Recreational Injury Technical Correction Act," which would bar health-care discrimination against those who take part in legal transportation and recreational activities such as motorcycling, ATV riding, snowmobiling, or horseback riding. Sen. Susan Collins (R-Maine) and Sen. Russ Feingold (D-Wis.) introduced similar legislation in the Senate: S. 577, "The HIPAA Recreational Injury Technical Correction Act." On Aug. 21, 1996, President Clinton signed into law the Health Insurance Portability and Accountability Act (HIPAA) to prohibit employers from denying health care coverage based on a worker's pre-existing medical conditions or participation in legal activities, such as motorcycling. Later, federal bureaucrats reversed the law, writing rules to allow health-insurance discrimination against motorcyclists and others who engage in legal activities like ATV riding, or horseback riding." I doubt the HIPAA with this provision was passed into legislation for no reason. The part that concerns me is how 'bureaucrats' could reverse the law. That sounds a bit strange. So, again I ask... does anyone know the status of this? __________________ '09 FLHTC, black, of course

Oct 30th, 2009, 12:01 AM	#6
nogoslim Contributor$ Ride: 07' FLSTC Join Date: Aug 2nd, 2008 Location: Ore-gon Posts: 129 My Mood:	Re: Bike Medical Insurance? Quote: Originally Posted by mrglide View Post I am not trying to scare anyone or force anyone into anything. I was asking a question. I ride a Harley and do not want to wake up one day in the hospital and find out I have no health insurance. Without knowing me, or apparently anything about the subject, you seem to be making false assumptions. Please read the following excerpt from an old (1995) article: I doubt the HIPAA with this provision was passed into legislation for no reason. The part that concerns me is how 'bureaucrats' could reverse the law. That sounds a bit strange. So, again I ask... does anyone know the status of this? Yes I've heard of this. The topic was going around some of my ABATE buddies. I'll ask around and see what I can find out from those who know... No scare worries here!

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Oct 30th, 2009, 09:13 AM	#7
abselite Start The Engine Ride: 2005 Fat Boy Join Date: Oct 8th, 2009 Location: Mount Vernon, WA Posts: 26 My Mood:	Re: Bike Medical Insurance? I doubt that this was regarding medical insurance. However, it is an exclusion for some LIFE insurance policies. I was turned down for life insurance many years ago due to my riding a motorcycle, parachuting and riding bulls. Hmmmm....go figure! __________________ "Captain, the German's are building a road on the east. They will have you surrounded! Lieutenant, we are paratroopers. We like being surrounded." Band of Brothers

Oct 30th, 2009, 09:15 AM	#8
glider Frozen Account Ride: 07 Road King Join Date: Jun 21st, 2007 Posts: 26,331 My Mood:	Re: Bike Medical Insurance? I had insurance with a local company that stopped writing bike policies years back. Had to be placed with a different company by the agent.

Oct 30th, 2009, 09:20 AM	#9
Dr. Dolittle Moderators Ride: 2008 Street Glide Join Date: Feb 1st, 2008 Location: Woodstock, Georgia Posts: 5,872 My Mood:	Re: Bike Medical Insurance? Quote: Originally Posted by mrglide View Post I am not trying to scare anyone or force anyone into anything. I was asking a question. I ride a Harley and do not want to wake up one day in the hospital and find out I have no health insurance. Without knowing me, or apparently anything about the subject, you seem to be making false assumptions. Whoa, take a deep breath and relax. Noone's accusing YOU of using scare tactics. The way I read the posts, everyone's talking about insurance companies and/or political folks who shape policies. Personal attacks are highly frowned on here so you can smooth your tail feathers back down! __________________ 2008 Street Glide - Dobeck GEN3 EJK - SE Slip Ons - SE Stage I A/C - Hogtunes amp, speakers, and tweeter pod

Oct 30th, 2009, 09:28 AM	#10
glider Frozen Account Ride: 07 Road King Join Date: Jun 21st, 2007 Posts: 26,331 My Mood:	Re: Bike Medical Insurance? Quote: Originally Posted by Dr. Doolittle View Post Whoa, take a deep breath and relax. Noone's accusing YOU of using scare tactics. The way I read the posts, everyone's talking about insurance companies and/or political folks who shape policies. Personal attacks are highly frowned on here so you can smooth your tail feathers back down! Exactly correct.

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