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Old 08-12-2013, 06:05 AM   #31
Navy Chief
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Originally Posted by justafurnaceman View Post
In the military we're required to wear a certain amount of gear. Helmet (if not full face then glasses too), gloves, long sleeve shirt or jacket, and over the ankle boots. For the most part people are wearing it including those that crash and burn. The issue is that we're having a big number of people who crash on their own, usually in a corner while traveling at a high rate of speed. The insurance companies can require certain gear but it's not necessarily going to change anything.

My friend gives me a hard time about the thought that he has to pay for my "high risk" activities but what about me paying for him when he goes for a triple bypass due to him eating at McDonalds every day for breakfast? Is the insurance company going after him and those like him next? Imagine such a nanny state that every part of our lifestyle is monitored (activities and meals) to determine how much THEY should pay and how much we pay.

"Sorry Mr. Furnace Man, we think that double bacon cheeseburger that you ate last November contributed to your heart attack so we're only covering 10% of the surgery."
Pretty simple actually, you fit into a higher risk category; high cholesterol, high blood pressure, smoker, overweight, diabetic, racer, skydiver, etc. then you pay more. I don't see an issue with people paying for the risk category they fall into, whether by choice or by circumstance....
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Old 08-12-2013, 07:38 AM   #32
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Welcome to the medical tyranny. It always sounds reasonable at first, but the insidious nature of their control is incremental, turns you into a piece of meat bit by bit.

Next it's no salt, then no soda, no red meat. Pretty soon, you won't be able to ride a bike at all- it's just too dangerous. Then they decide your cracker genes are messing up the whole world, take you out back, throw you down in a pit and shoot you.
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Old 08-12-2013, 09:31 AM   #33
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Originally Posted by dazeedmonds View Post

The fact is: life is risky and while the tree that's outside my living room could come crashing down and end my tenure on this planet abruptly, it is more likely that an F1/MotoGP/NASCAR/Indy driver will end up getting hurt in the course of their "normal" work week. So they pay more, they are higher risk. Same reason a 17 year old kid with a Camaro pays $400 per month for Auto Insurance, and 32 year old me with an Xterra and a Bike, and a Passat pays $400 every six months. I am less likely to wrap my vehicles around a tree, or a soccer mom's van. That's how insurance works.
I'd actually like to see that fact backed up and say compared to your normal everyday driver. I will have to find them but other statistics show that you are much safer on a racing surface per miles driven vs the regular roads due to all the proper safety gear being mandated and the license requirements are much more stringent. I have driven thousands of laps at different tracks across the country, seen some pretty bad accidents and ALL of the drivers walked away with minor injuries. My one week of commuting has yielded one fatality and three multi car incidences with several injuries.

The root cause of the problem being discussed on this thread is that insurance companies are for profit and are also trying to justify their existence. They are simply a middle man in the whole process who are squeezing money out of the Health Care provider and patient and laughing all the way to the bank.
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jachard screwed with this post 08-12-2013 at 09:41 AM
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Old 08-12-2013, 10:37 AM   #34
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Even the non-profit health insurance companies pay their top execs over $1 million a year.

If the risk factors can be fairly evaluated, then the risks people choose should come with a higher rate. A skydiver should pay a higher rate than a motorcycle rider, for example. Someone with genetic high cholesterol should not pay a higher rate--they didn't choose to assume that risk.

I would like Medicare-done right-For-All. It would do away with things like this: http://www.nj.com/business/index.ssf...g_transpl.html Another story--a relative is an exec with a regional hospital system. He told me that they have some people who request charity care. It turns out that some of these people work full time for a major national corporation that is big in this region, but their health insurance has a $5000 deductible. These workers' families don't have $5000.

Those who complain about either national health insurance or nationalized medical care need to talk more to residents of those countries and get the full story. Keeping in mind that there is no perfect system anywhere in the world, consider the Canadian system. Sure, plenty of stories of multi-month waits for elective surgery like a hip replacement, but consider two things--nobody is left out of Canadian health care, and the Canadians choose to spend about half what Americans spend on health care, about 9% of Canadian GDP vs. 17% of American GDP, and we leave out millions.
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Old 08-12-2013, 10:55 AM   #35
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Originally Posted by PT Rider View Post

[snip]

Those who complain about either national health insurance or nationalized medical care need to talk more to residents of those countries and get the full story. Keeping in mind that there is no perfect system anywhere in the world, consider the Canadian system. Sure, plenty of stories of multi-month waits for elective surgery like a hip replacement, but consider two things--nobody is left out of Canadian health care, and the Canadians choose to spend about half what Americans spend on health care, about 9% of Canadian GDP vs. 17% of American GDP, and we leave out millions.
I have relatives in Canada, and have talked to them at length about the heath care system. They can keep it, along with all of the taxes that support it. I agree that something needs to change here, but the government taking it over is without a doubt not the correct answer.
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Old 08-12-2013, 11:18 AM   #36
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If the want rate increases due to your way of life , then they also need to discount for lack of claims. Too many people pay millions for nothing.
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Old 08-12-2013, 12:41 PM   #37
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but wut if you have to take your helmet off to pump gas and get hert
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Old 08-12-2013, 02:39 PM   #38
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Originally Posted by orangebear View Post
Nope but leave your pudding boll helmet at home as most place require you it were. A proper helmet. We're did you have in mine? As most just require gloves helmet.
im heading to australia and yes ill be getting all my gear over there space is limited coming over as ill be bringing all the necessites ill be there for a while hopefully!
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Old 08-12-2013, 02:43 PM   #39
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Originally Posted by Midnightventure View Post
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.
I don't know you or what you look like, but I think most people tell themselves that. Our perception of fat has changed. Look at pictures from 30 years ago and judge for yourself.
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Old 08-12-2013, 02:44 PM   #40
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Originally Posted by Navy Chief View Post
I have relatives in Canada, and have talked to them at length about the heath care system. They can keep it, along with all of the taxes that support it. I agree that something needs to change here, but the government taking it over is without a doubt not the correct answer.

im a canadian and the one saving grace is that if your a high risk say cancer/heart disease etc you can never be denied health care ist covered i hear horror stories in the us of people surving a heart attack or a bout with cancer not being able to get re-newed insurance and lose everything the second time around, ill pay the tax its not bad when it comes to my life and loved ones well being i know im looked after regardless.
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Old 08-12-2013, 03:13 PM   #41
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Originally Posted by El Pescador View Post
I don't know you or what you look like, but I think most people tell themselves that. Our perception of fat has changed. Look at pictures from 30 years ago and judge for yourself.
While he may indeed be a fattie it's perfectly possible for someone with a lifters body to be considered overweight or even obese on the Body Mass Index but in reality have a great body. In those cases it's much more pragmatic to go by body fat percentage, but that requires measurements or special scales/equipment.

That said, it won't apply to most of the guys around here judging from pics
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Old 08-12-2013, 03:17 PM   #42
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Originally Posted by DAKEZ View Post
Not to worry, The Government will soon dictate all heath insurance. Welcome to the Peoples Republic of the not so United States of America.

That^^^^^

Amerika voted in the direction of free handouts.
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Old 08-12-2013, 06:12 PM   #43
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been to canada numerous times, have met canadians all over the world and have discussed this issue... I have found a very limited number have issues with their health care.

by FAR we USA citizens seem to have more issues with Canadian health care system than they do. (percentage wise)

and most of those that seem to post issues are not the Canadians themselves. curious if they are censored or something.

it's pretty much unamerican concept though...

I prefer the more patriotic choice... join the military (funded by tax dollars) and get socialistic health care and when I retire after 20 years go work for the military industial complex (funded by tax dollars) and complain about the over reaching authoritarian government trying to tell me what to do.
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Old 08-12-2013, 08:15 PM   #44
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Originally Posted by joexr View Post
If the want rate increases due to your way of life , then they also need to discount for lack of claims. Too many people pay millions for nothing.
The only thing that should be considered is actual claims by each individual, not what might happen statistically as a group.

The new laws will force everybody to purchase a for profit product, and penalize people for anything they choose to mandate as outside the "safety bubble".

As a heavier than average (6' - 220 lbs) motorcyclist, why should I subsidize more active, healthier non riders who may injure themselves when they ski, climb, swim, jog, play sports, hike, cycle, Rollerblade, lift weights, skate, kayak, sky dive, work out, and ultimately still die just like everyone else?


This is extortion plain and simple.
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Old 08-12-2013, 08:26 PM   #45
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What a Choice!

Insurance executives are right there with politicians! If you get my drift! Let me see, have the government run your shit or a insurance company? What a Choice!
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