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CALSTAR 4 BARF Members

MCOM_RC31

MCOM_RC31

BAGnut
Joined
Aug 1, 2007
Location
San Mateo
Moto(s)
1989 HawkGT
UPDATE: CALSTAR 4 BARF Members

Here is the deal. I just got off of the phone with Sharon at CALSTAR and they are offering a discount if we all sign up under one Organization with all members paying the fee. The fee for 15-149 people signing up is $35 (from $45) annually. 150 and above is $30 Bucks. I think its a great deal considering the cost of getting airlifted. The coverage does include your spouse/partner and kids. I am still waiting on the bulk of the info from CALSTAR and will update the thread as soon as i get it.

here is a link to the brochure:

http://12.69.83.187/calstarinternet/pdf/brochure.pdf

Ok so lets make this thing as easy as it's supposed to be. Whoever wants in, just go here CALSTAR.org Group Rate. For your group name use Bay Area Riders Forum. Fill out the rest of the form with your info, pay online and recieve membership! thats it.. its that simple. I will still send out the brochures to those whom i asked and/or those who prefer snailmail. :-D but everything is go! enjoy your membership and the peace of mind that something as important as this is taken care of. MAY YOU NEVER USE IT!!! but just in case!


sorry in advance for any confusion. i shoulda been better at putting this thing together.
Update:
I have brochures that designate the BARF group rate. Please PM me with your address if you want to participate. The cost as of now is $35. thanks

safe and happy :ride
 
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yearly...but that begs the question of if the discount will be re-applied every year???
 
Any reason why you would purchase this in addition to health insurance? Sure, it's cheap (especially when compared to a 5 figure airlift), but it seems like this would be covered under a good health plan, no?

EDIT: Seriously asking...I know it may vary policy to policy but does anyone have any knowledge here?
 
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nice bike op
 
Sign me up
 
I'm already a member (family) but I'd sign up again under BARF when it comes time to renew.
 
I was about to sign up with Enloe who has several group rates available per the track day threads here. I know they're partnered with Calstar who seem to have wider coverage. Thoughts?
 
I'm in, i think i'm up for renewal soon.
 
So, I did a little research. Chances are if you have health insurance you're already covered - CALSTAR's website points out that if you have an HMO/PPO, a membership is most likely going to be duplicate benefits (even if you have a CALSTAR membership they're going to bill your healthcare provider in this case).

I'd read your policy just to be sure, if you have one. If you don't, this looks to be a no brainer.
 
moriya said:
So, I did a little research. Chances are if you have health insurance you're already covered - CALSTAR's website points out that if you have an HMO/PPO, a membership is most likely going to be duplicate benefits (even if you have a CALSTAR membership they're going to bill your healthcare provider in this case).

I'd read your policy just to be sure, if you have one. If you don't, this looks to be a no brainer.
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In theory that may be the case, but I have had several health insurance companies use the excuse that a charge was beyond their customary limit so they refused to pay the full amount.

Anybody who has had a ride (without calstar coverage) and had additional charges?
 
Climber said:
In theory that may be the case, but I have had several health insurance companies use the excuse that a charge was beyond their customary limit so they refused to pay the full amount.
Click to expand...

My question is: was that "customary limit" stated anywhere in the coverage statement? If there wasn't a limit listed in the document, can they legally refuse to pay the whole thing?
 
sixtytwo said:
My question is: was that "customary limit" stated anywhere in the coverage statement? If there wasn't a limit listed in the document, can they legally refuse to pay the whole thing?
Click to expand...

I'd imagine there's probably some clause where the charge has to be "reasonable." They probably have a set price for what they consider to be a reasonable amount to pay for an airlift, and CALSTAR is over that. However, in my experience, if you can prove that a procedure is necessary and you had no choice (ie I was unconscious and dying and 911 dispatched CALSTAR, I clearly have no personal say in the matter), they're going to have to suck it up and pay. It may require paperwork or threats from a lawyer, though.

My point here on "doubling up" is, from what I read on CALSTAR's site, if you have both a membership and health insurance, they're going to try and bill your health insurance first (duh, everyone wants money). In fact, and I don't have personal experience here so who knows, I imagine you could end up in a situation where CALSTAR is billing your insurance, who wont pay it all because the bill is perceived as too high, but yet CALSTAR wont accept your membership because, technically, your insurance should/is going to pay (its just that your insurance wants you to split some of the cost with them).

Either way, I imagine you're going to have to fight someone to have a 25k ambulance ride paid for - nobody is going to just sign off on a charge like that without a little bit of coercing.
 
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