Re: Use your head
You've missed the point entirely, I see, so don't take my word for it, longride:
Anybody with a job that provides health or life insurance should check on this. In small words for longride, under the current insurance regulations, a company can deny paying medical benefits if you are injured while riding (or crashing, to get more to the point). I didn't say you can't find coverage, but your job's health coverage may not be so nice to riders.
Here's the article in full, in case you don't want to click:
Washington, DC; (MCNW) The Motorcycle Riders Foundation joins with the American Motorcyclist Association in applauding Senators Susan Collins (R-Maine) and Russ Feingold (D-Wisconsin) for crafting and introducing S.423 - "The Health Care Parity for Legal Transportation and Recreational Activities Act." The bill prohibits the denial of benefits to injured street motorcyclists, as well as those involved in off-road riding and other activities (activities like snowmobiling, horseback riding, running or walking). This legislation addresses a loophole caused by a Department of Health and Human Services' rule making it possible for health care coverage to be denied to those who are injured while participating in these activities. S.423 is available on-line at http://thomas.loc.gov
. Enter "S.423" in the search engine for bills.
"From riding Harley Davidson motorcycles to visiting the Snowmobile Hall of Fame in St. Germain, these activities are part of Wisconsin's heritage and economy," Feingold said. "It simply doesn't make sense to exclude those participating in these activities from health care benefits."
"The MRF and State Motorcyclists' Rights Organizations (SMROs) have worked on the issue of nondiscrimination in rider health care for nearly a decade," said Buck Kittredge of Wisconsin, MRF President. "We were instrumental in getting nondiscrimination language for motorcyclists into the Health Insurance Portability and Accountability Act (HIPAA) of 1996. We also worked with SMROs nationwide to lobby their Congressmen and Senators to make nondiscrimination against motorcyclists regarding health care coverage a matter of law. And ever since the last Administration denied benefit protection to injured riders in the final wording of HIPAA in 2001, the MRF and SMROs have lobbied Congress and the Administration to right this wrong."
As background, self-insured employers and unions have been known to deny health benefits to their motorcyclist employees and union members. These unfair measures had been adopted on the questionable advice of third party administrators in an effort to keep the cost of insurance premiums low.
On August 21, 1996 an important opportunity arose when President Clinton signed the Health Insurance Portability and Accountability Act (HIPAA), prohibiting employers from denying health care coverage based on a workers pre-existing medical conditions or participation in legal activities.
In 2001, the Health Care Finance Administration released the final rules that would govern the law. The rules recognize that employers cannot refuse health care coverage to an employee on the basis of their participation in a recognized recreational activity. However, the benefits can be denied for injuries sustained in connection with those recreational activities. Essentially, the regulation grants protective status to motorcyclists without any substantive benefits.
"Because of this loophole, someone who participates in motorcycling, snowmobiling, running or walking could be denied health care coverage, while someone who is injured while drinking and driving a car would be protected," Feingold said. "It is time that Congress corrected this so that those who are abiding by the law are not denied coverage."
The MRF is working with the AMA to identify and encourage US Representatives to step forward as lead sponsors of companion legislation on the House side. When a House bill is introduced, the MRF will work with SMROs to generate House, as well as Senate, co-sponsors in the days and weeks ahead.
The AMA is urging all motorcyclists - and those involved in any other type of recreational activity - to notify their Members of Congress and tell them to support S.423, The Health Care Parity for Legal Transportation and Recreational Activities Act.
In the meantime, urge your US Senators to sign on to S.423 as co-sponsors. Call them at 202.224.3121 or find their email addresses at www.senate.gov
, and write them. Their names belong on this important bill.
And I don't care about your arguments against helmets. Don't wear it. Thin the herd. Doesn't matter to me if your brain is smeared across the street.
Just don't get uppity if I complain when I have to pay for your poor choice. Saying "Them's the breaks" and telling me that's what I have to do to ride is a socialistic argument, and I know plenty of die-hards who wouldn't care to be called socialists.