Most recent update on Joe

[Matt_E]

What I want to know is why is a guy like him without medical insurance? I would think he definetely should have it being he pushes the limits on the water constantly.

Doug

Insurance is expensive. Insurance for a guy that engages in the kind of activities that Joe engages in would be out of reach for most.

Yes, sure have. I've never been without insurance. In all honestly, I wouldn't leave home without it.

Good for you, and most of us. Unfortunately, people in high risk professions have a wee bit more trouble finding affordable coverage.

Besides: with an employer backing the insurance, it is affordable.
Now try to pick up the health insurance without a corporate or big university sponsor. You'll quickly find yourself spending upwards of 800 bucks a month on regular coverage.

 

[douglee25]

Insurance is expensive. Insurance for a guy that engages in the kind of activities that Joe engages in would be out of reach for most.



Good for you, and most of us. Unfortunately, people in high risk professions have a wee bit more trouble finding affordable coverage.

Besides: with an employer backing the insurance, it is affordable.
Now try to pick up the health insurance without a corporate or big university sponsor. You'll quickly find yourself spending upwards of 800 bucks a month on regular coverage.

A typical policy would cover just about anyone if they got hurt on the water. Higher premiums usually only occur if you're like a race car driver or motorcycle rider. I have never seen premiums upwards of $800 a month!! :bigeyes: :bigeyes: Could that be area dependent or are you talking $800/family? I found my gf insurance for under $2500/year through Aetna.

Doug

 

[Matt_E]

It would behoove you to check out deductibles, max out of pocket, and general coverage. I get your point though....some insurance is better than nothing, and even bad coverage would help.

However, Joe is a special case due to the nature of what he does.
I am pretty damn certain that habitual or even occupational high risk activities (I think Pro-Freerider qualifies) is not covered by any standard policy.
Most health plans will not cover sky divers (Pro) and the like.

 

[Fly2day]

aflac doesnt care what you do as long as your not in a competion when you get injured.

 

[RonnyMac]

Insurance is expensive. Insurance for a guy that engages in the kind of activities that Joe engages in would be out of reach for most.

That is so NOT true! Tonic would have been perfect for Joe.....
Tonik was made for the Young Invincible. Although riders do have claims, in general they probably are healthier and go to the doctor far less than the average Joe. Blue Cross made a decision to go after the young invincible and they are willing to pay for their riding-related claims. This is hard to believe, but Blue Cross will cover our extreme sometimes reckless lifestyles.:cheer:

Tonik has an average base cost of around $64 - $123 a month for a 19-29 year old in California.
Tonik has three plans for different types of users. They have “The Thrill Seeker,” “The Part-Time Daredevil” and “The Calculated Risk Taker." We like these names because it's now much easy to sort through than the old confusing codes and numbers of traditional plans. With the Blue Cross Tonik's system, all you have to do is just figure out which category you fall under and then apply. If you are a "Thrill Seeker (AKA Tonik $5,000 deductible)," you probably want to be covered in case of an accident and figure you will only need to see the doctor a few times a year. "Calculated Risk Takers (AKA Tonik $1,500 deductible)," on the other hand, are willing to pay a little more for low deductibles and unlimited trips to the doctor in addition to comprehensive coverage for accidents. "Part Time Daredevils (AKA Tonik $3,000 deductible)," fall somewhere in between.

More info on Tonic.....
http://www.tonik.us/

 

[douglee25]

That is so NOT true! Tonic would have been perfect for Joe.....
Tonik was made for the Young Invincible. Although riders do have claims, in general they probably are healthier and go to the doctor far less than the average Joe. Blue Cross made a decision to go after the young invincible and they are willing to pay for their riding-related claims. This is hard to believe, but Blue Cross will cover our extreme sometimes reckless lifestyles.:cheer:

Tonik has an average base cost of around $64 - $123 a month for a 19-29 year old in California.
Tonik has three plans for different types of users. They have “The Thrill Seeker,” “The Part-Time Daredevil” and “The Calculated Risk Taker." We like these names because it's now much easy to sort through than the old confusing codes and numbers of traditional plans. With the Blue Cross Tonik's system, all you have to do is just figure out which category you fall under and then apply. If you are a "Thrill Seeker (AKA Tonik $5,000 deductible)," you probably want to be covered in case of an accident and figure you will only need to see the doctor a few times a year. "Calculated Risk Takers (AKA Tonik $1,500 deductible)," on the other hand, are willing to pay a little more for low deductibles and unlimited trips to the doctor in addition to comprehensive coverage for accidents. "Part Time Daredevils (AKA Tonik $3,000 deductible)," fall somewhere in between.

More info on Tonic.....
http://www.tonik.us/

Interesting. They seem to have decent coverage from a quick peruse of their site. Good find.

Doug

 

[Matt_E]

Indeed. So that begs the question that was already asked and discussed over the last page and a half.

 

[Mark44]

h

What I want to know is why is a guy like him without medical insurance? I would think he definetely should have it being he pushes the limits on the water constantly.

Doug

What does Joe do for a living? Does he not have insurance through his place of employment?

Mark44

 

[madoyster]

y are u an illegal also:biggrin:

Thanks Scott

 

[Takeastand SJ]

What does Joe do for a living? Does he not have insurance through his place of employment?

Mark44

Joe is a professional freerider, that is his job.

To everyone else, quit FUC#!#$ bickering over insurance and who is right. This is a thread on joes recovery not insurance.

 

[douglee25]

Joe is a professional freerider, that is his job.

To everyone else, quit FUC#!#$ bickering over insurance and who is right. This is a thread on joes recovery not insurance.

I didn't know anyone was bickering? I thought everyone was having an educated discussion?

Doug

 

[sicki]

I was denied on my Tonik app. based on all my past injuries

 

[willycrumb]

Takeastand is right Dougy.....keep this thread on topic.

:woot: :woot: :woot: for joe.

 

[douglee25]

Back on topic....

:woot: for Joe as well!

Doug

 

[MADMAT]

:woot: :woot: :woot: :woot:

 

[LisaLisa]

Gang - you need to start heading over to www.letjkknow.com for current updates...it's too cumbersom, and quite frankly, depressing to post them to several different websites....plus we were notified today they would only be giving updates on a bi-weekly basis....here's the latest:

Joe is doing fine, vision is a concern at present, another evoke potential vision test tomorrow. No definitive answers either way at this point. He continues to be a favorite among the nurses, therapists and a doctor or two. I still have him in the ICU, so there is a close watch. Being the showman that he is, he is always trying to impress and that is really helping in his recovery. Rehab facility will not take him because he can walk, so this poses some issues. He seriously needs cognitive rehabilitaiton, but MediCal's guidelines prohibit in-patient if they are mobile at all.

Joe will be leaving the hospital within the next week, he will be moving in with Marie and I. Therapy will be done in the home. I will have him call a few of you each day on my phone. His conversation may go well, but he has a long way to go, so don't be fooled. I encourage visitation but need to schedule it. This is going to take some time so I will be posting updates on a bi-weekly basis.


Thanks
Shawn and Joe