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Helicopter insurance
- Thread starter fufo47
- Start date
/dev/null
taking a wrong turn
Enloe is the other one. At Thunderhill, I saw both Reach and Enloe land at the same time to transport patients. The wildcard is Stanford Life Flight if you have a problem in the South Bay.
CDONA
Home of Vortex tuning
- Joined
- Jul 30, 2010
- Moto(s)
- TW200, Monkey
- Name
- # 44659
MASA, for me, an anywhere in the world coverage not just Calif.
NorCalBusa
Member #294
Neither product Reach/Calstar or Enloe are insurance. They are memberships that allow the company to waive certain out of pocket expenses- don't think of them as insurance, neither are regulated as such.
NorCalBusa
Member #294
LifeFlight will getcha North of Hwy 17, South of there is CALSTAR 2 (Gilroy) or 14 out of Watsonville- whoever is the closest & available.
yeah, I know... thanks for the reminder...
NoobCorpse
Active member
Can you give details on this? I have been looking at stuff like medjet / etc for stuff like this for rides in europe. I've read that some will even repatriate your moto back home, as well.
NoobCorpse
Active member
Do you have examples of times where somebody had coverage eligible and was denied / stuck with a large bill?
Edit: I am not trying to be combative or an a-hole, I currently pay for AirMedCare (It's REACH and I think CalStar?) and I'm weighing the options. I also would love to have something like MedJet or something similar that's moto-specific since I do occasionally ride internationally.
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NorCalBusa
Member #294
CALSTAR is some 320 helicopters across 3-4 dozen states, including Hawaii. I believe MASA is a financial product, not a membership- but I've not looked at their offering.
NorCalBusa
Member #294
I do not. Every story I've ever heard is from folks delighted to be alive and being a member when they flew- so they got the benefit of no out of pocket for flying.
CALSTAR does have an international product offering. PM me your info and mention why- coincidentally I am having dinner tonight with Tracy (the CALSTAR Sales Manager) and I'll pass it along for her to contact you for Q&A.
HIPAA creates a weird dynamic (read: wall) in who gets access to flight and patient information- so its mostly who one lucks running into afterwards.
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NoobCorpse
Active member
PM sent, thanks!
mjj
Cookie
- Joined
- Apr 2, 2006
- Location
- Fresno and Inverness
- Moto(s)
- '05 R1200RT; '09 F800GS;
Ibis Mojo
- Name
- Mark
Take a look at DAN coverage, which iirc kicks in if you are >50 miles from home. You don't need to be a diver. I carried it for a long time just for the flight coverage.
https://dan.org/
https://dan.org/
- Joined
- Jun 19, 2002
- Location
- Walnut Creek
- Moto(s)
- Monica Sweetheart!!!!
- Name
- Berto
- BARF perks
- Barf Racer
THIS.
FreeRyde
The Curmudgeon
AAA Premium has airborn whambulance coverage... It's not widely know.
NorCalBusa
Member #294
You don't get to pick, they won't ask.
Protocol is EMS crews call for the closest available helicopter- they don't care what brand- and depending on the call details it could get launched before EMS arrives on scene. Same with stickers on your car/bike, patches on your jacket or labels on your helmet- nobody pays attention to any of that on scene...they're working to save your ass is about it.
CDONA
Home of Vortex tuning
- Joined
- Jul 30, 2010
- Moto(s)
- TW200, Monkey
- Name
- # 44659
https://www.masamts.com
It is a membership, offered to me during my winters in Az, they float thru the bigger rv parks.
It is a membership, offered to me during my winters in Az, they float thru the bigger rv parks.
cg_ops
1-Armed Bandit
Reading the replies I decided to check my Anthem BC PPO insurance coverage.
1. I'm mildly surprised air ambulance is covered at all
2. I'm not surprised that the avg flight ($40k) would still cost me either $8500 or $22,000 AFTER insurance. These costs are asinine.
So much for "platinum" level coverage...
And the EXTRA shitty thing is, one would need multiple supplementary insurance/memberships to be certain you don't get hit with $5k+ out of pocket anywhere in the state, let alone the country.
For those that don't know how fast it can rack up, in my early 2000's accident that severed my arm, broke my back/neck/ribs/arm, and exploded my femur the total cost of care was ~$2.500,000 in "just" 5 weeks of hospitalization and follow-up surgeries. That's including charges like $30k/night in the stanford ICU, $32k NEMT chopper ride from San Luis Obispo to stanford a week after the crash, $1200 for a "custom" hand splint. $4800 in saline. etc etc. If that same accident happened these days, it'd probably cost $4M+. Thankfully I had kickass insurance and my OOP was "only" in the low 5 figures. Still... the costs associated with anything medical related are egregious, at best.
TLDR: If you ride, have VERY good medical insurance and supplement with medical transport services like Enloe/Reach (especially if you do track riding). And don't forget to add medical supplemental coverae on your auto insurance, and join AAA/AMA/etc .
1. I'm mildly surprised air ambulance is covered at all
2. I'm not surprised that the avg flight ($40k) would still cost me either $8500 or $22,000 AFTER insurance. These costs are asinine.
So much for "platinum" level coverage...
And the EXTRA shitty thing is, one would need multiple supplementary insurance/memberships to be certain you don't get hit with $5k+ out of pocket anywhere in the state, let alone the country.
For those that don't know how fast it can rack up, in my early 2000's accident that severed my arm, broke my back/neck/ribs/arm, and exploded my femur the total cost of care was ~$2.500,000 in "just" 5 weeks of hospitalization and follow-up surgeries. That's including charges like $30k/night in the stanford ICU, $32k NEMT chopper ride from San Luis Obispo to stanford a week after the crash, $1200 for a "custom" hand splint. $4800 in saline. etc etc. If that same accident happened these days, it'd probably cost $4M+. Thankfully I had kickass insurance and my OOP was "only" in the low 5 figures. Still... the costs associated with anything medical related are egregious, at best.
TLDR: If you ride, have VERY good medical insurance and supplement with medical transport services like Enloe/Reach (especially if you do track riding). And don't forget to add medical supplemental coverae on your auto insurance, and join AAA/AMA/etc .
