How Many Train Without Health Insurance?

[thesaadishsnake]

How is it possible that the strongest nation in the world cant give healthcare to its people? Americans really are something. Cant they just vote to have free or affordable healthcare?

Because the health insurance lobbyists have bribed our politicians so well, that our "leaders" manipulate the people into believing free/affordable healthcare is a bad thing.

I can understand the reasoning behind "paying for better healthcare," but the reality is the health insurance you have is tied to your job. If you want new health insurance, you have to get a new job or pay a ridiculous amount of money.

 

[Rod1]

I dont know if this has been discussed before but some Judo associations in the USA give insurance for like $50 a year and it covers training injuries. I can assume you can always enroll in a judo class and say that the injury happened there.

 

[Balto]

I dont know if this has been discussed before but some Judo associations in the USA give insurance for like $50 a year and it covers training injuries. I can assume you can always enroll in a judo class and say that the injury happened there.

I'm pretty sure that is just liability insurance.

If someone gets hurt and sues you, your school/event is covered up to a certain amount of liability. But the reason why it is so cheap is because the insurance company will attempt to defeat the claim in court and pay nothing. It is not going to be very easy to sue for a regular injury because of the whole assumption of the risk thing. You could maybe win, but it is going to be a hard legal fight that takes years.

It is not the kind of insurance that you give to your doctor's office to cover payment for your bills.

 

[Toastytoy]

Because the health insurance lobbyists have bribed our politicians so well, that our "leaders" manipulate the people into believing free/affordable healthcare is a bad thing.

You understand that government involvement is when drives up the price of health care in the first place right?



But on topic, i train and do not currently have health insurance

 

[Rod1]

I'm pretty sure that is just liability insurance.

If someone gets hurt and sues you, your school/event is covered up to a certain amount of liability. But the reason why it is so cheap is because the insurance company will attempt to defeat the claim in court and pay nothing. It is not going to be very easy to sue for a regular injury because of the whole assumption of the risk thing. You could maybe win, but it is going to be a hard legal fight that takes years.

It is not the kind of insurance that you give to your doctor's office to cover payment for your bills.

Googled it a bit and found

Excess Accident Medical Insurance for any injury occurring at a sanctioned event or scheduled training session. Membership includes a $25,000 medical insurance policy with a $2,500 deductible. "Excess" coverage means that it goes into effect after any other health insurance you might have.

From USJA membership, maybe if you talk to the coach or fake an injury there hehehe

 

[B3ntleg]

So maybe you need to stop leaching off your parents and the country and get a job and pay for your own health care.

Just an idea.

We don't leach off our counrty for health care we pay National Insurance, and even though we are "Forced" to pay it it is still alot less then americans pay for sub par care.

 

[Ice 9 Cobra]

Trained for two years with health care, was perfectly healthy. Then got a new job and went six months without during probationary period, got MRSA and paid out the ass for it. Now have healthcare again, am perfectly healthy.

Murphy and his fucking laws.

 

[Rod1]

You understand that government involvement is when drives up the price of health care in the first place right?

But on topic, i train and do not currently have health insurance

LOL? wouldnt health insurance companies be forced to lower their prices if there is an affordable option?

I live in a country where you have 3 things

-National healtcare that covers everything and you get through a job, school, visa etc etc

-National public option where you pay a fixed rate, for people with no formal jobs, basically a social worker determines your socioeconomic standing and a yearly rate is given.

-Private insurance for those who can afford it, the main advantage is basically no waiting times.

I dont see how can the government inflate prices, unless its some stupid ass regulation created by inept and corrupt politicians.

 

[DaRuckus337]

This is not the war room. If you want to argue healthcare politics, do it there.

 

[Newcastle]

I train with a good amount of people that train without insurance but I think they are nuts. I've had a stage 3 torn MCL and broken orbital all from BJJ. Those are by far the worst which would have financially killed me w/out insurance. That or I would have suffered a great deal more had I not had insurance coverage.

 

[MyBodyHurts]

I know some people who train without insurance and it baffles me. I would encourage anyone to stop training until they are able to get some. As an anecdotal lesson, I had/have two herniated discs in my neck, went to the ER all night, had visits with three different specialists, four with my primary, was prescribed over 9 different medications in three months, was out of work for over a month and a half, and had physical therapy at least three days a week for a month. I hate my job as much as anyone can but I feel very lucky to have had the insurance and ability to take so much time off. I ended up paying around 300 (with copays, medication, etc.) whereas my bills would have been somewhere between 12 and 15 thousand without insurance.

Don't get me wrong, this doesn't apply only to jiu jitsu. I would be of the opinion people should refrain from a lot of physical activities if they don't have insurance. I've had friends who have had broken ankles, torn acl's, broken arms, etc., none of which happened during crazy rolling but were just the result of freak accidents. Even if you bump your lip while rolling and need stitches you're probably screwed.

I really can't stress it enough. It's a horrible feeling to be hunched over in excruciating pain while sitting in a hospital wondering if you'll need surgery or ever be able to train again, let alone facing financial ruin.

 

[Bullheaded]

I wouldn't without it.