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May 28th 2020, 05:54 PM   #1
 coastrider's Avatar
 
  Jan 2016
  Oregon Coast

  2017 BMW R1200RT
Before you pay a large medical bill....

I heard about this because the air ambulance bill was a result of motorcycle accident. The article is about a fellow that found himself facing a $50K air ambulance bill. To paraphrase a bit, the air ambulance company says that they lose money on people with no money so they bill those with money more to make up for those that don't pay.

The interesting bit in the article:

"Legal experts say patients often get sky-high bills for emergency health care, even though they are only obligated to pay market value. Moreover, they say, financial paperwork handed to patients for their signature while they’re traumatized, drugged or confused wouldn’t hold up in a court of law."

I hope no one here ever faces something like this, but before you cave and pay an insanely high bill you might want to consult a lawyer and see what you really need to pay. And also, don't sign anything without review by a lawyer - - but we all knew that, didn't we...

The article:
https://www.kcur.org/news/2020-05-26...-youre-charged
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May 28th 2020, 05:59 PM   #2
 GPD323's Avatar
 
  Jan 2016
  Spanaway

I have Life Flight membership. It pays for the air-lift. Its 65 bucks a year. I also have the SPOT so I feel I am covered for the most part in an emergency.

https://www.lifeflight.org/membershi...saAoY5EALw_wcB

https://www.lifeflight.org/about/
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May 28th 2020, 10:31 PM   #3
 307T's Avatar
 
  Jan 2016
  Washington County

  H-D
Both the OP and the post above are good advice. I got to fly in the helicopter too. Not so much fun. I hope you never have the same experience.
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Edited by 307T on May 29th 2020 at 10:21 AM
Jun 8th 2020, 09:34 PM   #4
 Mikeames's Avatar
 
  Jan 2016
  Vancouver, WA

  2012 Yamaha FJR1300
I just looked into the lifeflight membership. Seems like a pretty good deal until I looked closer. It only covers you in a few western states, and only if you’re flown on the life flight network. Turns out there are many other networks that you might get transported on. Most likely you won’t have any choice at the time.
I went into this thinking $60-$70 per year is pretty cheap insurance, now I’m not so sure.
It would sure be nice if one company covered you on all of them.
Have to think about this a bit more.
Jun 8th 2020, 11:01 PM   #5
 307T's Avatar
 
  Jan 2016
  Washington County

  H-D
Quote:
Originally Posted by Mikeames
I went into this thinking $60-$70 per year is pretty cheap insurance, now I’m not so sure.
Certain helicopter evacuation services are on call with corresponding fire districts. While there are some reciprocal arrangements between evacuation services, that would be something that your insurance company could work out when the dust settles. If you are in critical enough condition that first responders deem LifeFlight is necessary, cost should be the least of your worries.
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Edited by 307T on Jun 8th 2020 at 11:04 PM
Jun 9th 2020, 09:44 AM   #6
 MikeMikeMike's Avatar
 
  Feb 2016
  Seattle

Quote:
Originally Posted by 307T
Certain helicopter evacuation services are on call with corresponding fire districts. While there are some reciprocal arrangements between evacuation services, that would be something that your insurance company could work out when the dust settles. If you are in critical enough condition that first responders deem LifeFlight is necessary, cost should be the least of your worries.
Yeah good to know that the prices are negotiable, but it should be the last thing on your mind if they are calling in a 'chopper for you...

Jun 9th 2020, 03:27 PM   #7
 307T's Avatar
 
  Jan 2016
  Washington County

  H-D
That's exactly what I said in my last sentence Mike.
Jun 9th 2020, 04:21 PM   #8
 WarpShatner7's Avatar
 
  Jan 2016
  NW Oregon

You could always offer them your liver.

Jun 10th 2020, 04:52 PM   #9
 craiger's Avatar
 
  Apr 2016
  Molalla

  2009 Aprilia RSVR, 2010 Honda VFR 1200f DCT
All good advice, thanx for the heads up regarding the insurance bit. Not to go off on a rant here, but.... come on man, can't we all get past this "for profit" health insurance thing in this country? Isn't it time? Why is it always profit over people?
Jun 11th 2020, 06:32 AM   #10
 tod701's Avatar
 
  Jan 2016
  Stanwood

Quote:
Originally Posted by craiger
Why is it always profit over people?
Because people have seen what happens when the government is in charge and don't trust them to not F this up too.
Jul 27th 2020, 09:54 AM   #11
 Sentinel's Avatar
 
  Jun 2016
  Poor Tortured

  2019 Nada
I got a helicopter ride once in Los Angeles from up on Angeles Crest Highway when I ran my KZ400 wide on a curve, hit road-edge sand, and head-banged a station-wagon-size boulder that was like 1.15" outboard of the fog line.
At least one broken vertebra. I remember mostly because one rib of the Stokes stretcher they had me on was pushing right against the (at the time unknown) broken bone.
It was the least possible fun helicopter ride you can imagine.
Wickedly bouncy and vibrate-y.
I was like 18 and I don't even know who paid for that ride, if anyone ever did.
I had no idea about insurance or medical payments when i was a reckless teenager. I had a TON of medical treatment over that crash and I sure as heck didn't have insurance or money.
It was 1978 IIRC.
Jul 29th 2020, 06:23 AM   #12
 Akdawg's Avatar
 
  Dec 2018
  Goldendale WA

  Classic Sportsters, Triumph & BSA
Quote:
Originally Posted by tod701
Because people have seen what happens when the government is in charge and don't trust them to not F this up too.
I can only say...I'm covered by VA as a Vet. I've found it to be as streamlined and as efficient as any private care I've encountered. It's a big system but seems they've got it figured out...a good model for universal care.
Aug 3rd 2020, 10:23 AM   #13
 
  Apr 2017
  Seattle

  DL650A
Quote:
Originally Posted by tod701
Because people have seen what happens when the government is in charge and don't trust them to not F this up too.
Ha ha! You're funny! That's why EVERY OTHER DEVELOPED COUNTRY IN THE WORLD has national health care of some kind. And they always vote to keep it.
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