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Old 04-01-08, 09:49 AM   #1
ericcox
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*#@&*!& hospital bills

Went through the budget with my wife last night and determined that with my son's recent hospitalization, I really can't justify wasting gas money, entry fees, and license renewal to race this weekend for a race I really wanted to do. We have some savings, but it is earmarked for other uses. Discretionary spending for bicycle racing gets cut first (yes, she is cutting things she enjoys as well). Share the pain.

I am in the best shape I have been in for years. Oh well; if the bills turn out less than expected, I'll renew and hit the local training series a few times this spring / summer. I just prefer road races to crits.
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Old 04-01-08, 10:05 AM   #2
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Feel for ya. My wife has been ill for 6 years and beleive me even with insurance the debt can pile up fast. Bite the bullet now and stay on top of it, I let the debt get a little ahead of us and am paying for that as well now.

I don't even feel like I can spend the money or time to do a group ride at this point, but still fit in 4 to 5 days a week solo. Nice thing about riding, if you already have the gear, it' cheap. Had to give up Golf and Bowling (i know but i love that sport ), you cant even practice w/o $$$$.

Hope your son is doing well.
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Old 04-01-08, 10:14 AM   #3
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ONe concern I have for racing. Be careful. Medical expenses. Is your insurance reliable. One friend had a bill of over 100 K as a result of a bike accident. Lucky for him , his insurance was up to it. / Just in the last couple days, I talked to a cousin. They are one of those who faces job changes every couple years and so their medical coverage lags. / This second cousin has bills of over 30,000 K. They consider bankruptacy. But, why now. Their coverage is minimal and they expect more debt. They just put their hundreds of seperate bills in a fish bowl and wonder how the fish bowl will ever stop from being overwhealmed.
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Old 04-01-08, 10:17 AM   #4
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Feel for ya. My wife has been ill for 6 years and beleive me even with insurance the debt can pile up fast. Bite the bullet now and stay on top of it, I let the debt get a little ahead of us and am paying for that as well now.

I don't even feel like I can spend the money or time to do a group ride at this point, but still fit in 4 to 5 days a week solo. Nice thing about riding, if you already have the gear, it' cheap. Had to give up Golf and Bowling (i know but i love that sport ), you cant even practice w/o $$$$.

Hope your son is doing well.
I am very sorry to hear about your wife's illness.

I really shouldn't complain. My son is quite well now -- it was a severe case of food poisoning that put the 2 year old in the hospital. It is simply amazing to me how much a 3 day stay can cost, even with insurance. Thankfully, my wife manages our finances very well to the extent that we have no credit card debt. Two months from now, I could probably afford the race, but we made an agreement a long time ago that if we don't have the money at that moment, the fun stuff gets cut.

The positive is that now I'll just take the two boys on a bike ride this Saturday morning.
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Old 04-01-08, 10:38 AM   #5
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Man, that really is tough, but just embrace everyone's health and squeeze through the thin times. Bike racing will always be there. Doesn't make it any less frustrating though. Kudos for staying out of debt on the credit cards -- it really makes things much much easier.
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Old 04-01-08, 10:44 AM   #6
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Man, that really is tough, but just embrace everyone's health and squeeze through the thin times. Bike racing will always be there. Doesn't make it any less frustrating though. Kudos for staying out of debt on the credit cards -- it really makes things much much easier.
A thought. Listening to my Mom whose friends face devastating medical bills. When its all over have you saved up to hand all your money over to a smelly nursing home. Her advice to me. I hear her say, 'blow it' while you can. What good is saving for a nursing home if it means, you deprive yourself of life's pleasures. Just advice from an 80 plus year old person.
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Old 04-01-08, 10:51 AM   #7
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^^^ Once my kids are self-sufficient, I'll be a little less concerned about a $120 Saturday morning. At present, however, that $120 can be used for much better things than getting dropped in a bike race (Zoo School tuition, for example -- and it is as cool as it sounds for the little ones). That said, I have advised my mom to take her nest egg and enjoy it rather than sitting around thinking about the things she wished she had done.
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Old 04-01-08, 11:12 AM   #8
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Tough break.

I can hardly understand the logic some people use to claim that the American health care system is superior to what we have in Canada.

Thanks for reminding me to appreciate what I have and that things can always be worse. It’s easy to always want more.

Heck my team covers race fees too. I’m spoiled.

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Old 04-01-08, 11:37 AM   #9
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Sorry to hear about it. Hang tough and be there when needed.
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Old 04-01-08, 12:49 PM   #10
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Tough break.

I can hardly understand the logic some people use to claim that the American health care system is superior to what we have in Canada.

Thanks for reminding me to appreciate what I have and that things can always be worse. Itís easy to always want more.

Heck my team covers race fees too. Iím spoiled.
I suppose the logic is that at least in the US we have access to health care, even though we may get a big bill at the end of our treatment (assuming insurance doesn't cover it). A quick google search reveals all kinds of stories from Canada like this:

"More than 400 Canadians in the full throes of a heart attack or other cardiac emergency have been sent to the United States because no hospital can provide the lifesaving care they require here. Most of the heart patients who have been sent south since 2003 typically show up in Ontario hospitals, where they are given clot-busting drugs. If those drugs fail to open their clogged arteries, the scramble to locate angioplasty in the United States begins."

"Faced with long waiting lists for cancer treatment, the government of Quebec province, Canada, plans to send patients to the United States at a cost of $US15000 (£9375) each. About 1200 patients are waiting for radiotherapy, 500 in Montreal alone, some for as long as five months. Dr Carolyn Freeman, director of the division of radiation oncology at the McGill University health centre, estimates that about 280 patients could seek treatment in nearby Burlington, Vermont, and Portland, Maine."

"In 2007, it was reported that Canada sent scores of pregnant women to the US to give birth. In 2007 a woman from Calgary who was pregnant with quadruplets was sent to Great Falls, Montana to give birth. An article on this incident states, 'There was no room at any other Canadian neonatal intensive care unit.'"

I certainly wouldn't argue that the US health care system is perfect, but I don't think the European/Canadian system is the answer either.
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Old 04-01-08, 01:24 PM   #11
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I suppose the logic is that at least in the US we have access to health care, even though we may get a big bill at the end of our treatment (assuming insurance doesn't cover it). A quick google search reveals all kinds of stories from Canada like this:

"More than 400 Canadians in the full throes of a heart attack or other cardiac emergency have been sent to the United States because no hospital can provide the lifesaving care they require here. Most of the heart patients who have been sent south since 2003 typically show up in Ontario hospitals, where they are given clot-busting drugs. If those drugs fail to open their clogged arteries, the scramble to locate angioplasty in the United States begins."

"Faced with long waiting lists for cancer treatment, the government of Quebec province, Canada, plans to send patients to the United States at a cost of $US15000 (£9375) each. About 1200 patients are waiting for radiotherapy, 500 in Montreal alone, some for as long as five months. Dr Carolyn Freeman, director of the division of radiation oncology at the McGill University health centre, estimates that about 280 patients could seek treatment in nearby Burlington, Vermont, and Portland, Maine."

"In 2007, it was reported that Canada sent scores of pregnant women to the US to give birth. In 2007 a woman from Calgary who was pregnant with quadruplets was sent to Great Falls, Montana to give birth. An article on this incident states, 'There was no room at any other Canadian neonatal intensive care unit.'"

I certainly wouldn't argue that the US health care system is perfect, but I don't think the European/Canadian system is the answer either.
How patriotic of you, Iím sure your words are very reassuring to those who may have begun questioning the clear superiority of everything American. My apologies for suggesting otherwise, I almost forgot that ignorance is bliss.
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Old 04-01-08, 01:52 PM   #12
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Just a request from the OP -- let's leave the politics out of this thread. This pains me to say as a political scientists, but I really didn't want to start the healthcare debate. I'll be happy to debate the merits of a pure private vs. a single payer vs. a mixed system elsewhere. The main intent of the thread was being pissed about not going racing.
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Old 04-01-08, 03:13 PM   #13
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I've skipped 2 races this season because I didn't want to fork over the $$$ to do them. Entry fees, gas money, sometimes hotels... it adds up. Shoot, just with entry fees and gas money I figure I'm spending $50 to $100 (depending on how far I drive) just to show up and race. And those are the races that are fairly close by. I'm not doing Ft. Davis primarily because of money.
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Old 04-01-08, 03:14 PM   #14
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oh - and hope your son is doing well.
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Old 04-01-08, 03:18 PM   #15
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Sorry dude. That's the worst thing about racing. We actually pay to do this.

At times that is unfathomable.
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Old 04-01-08, 03:57 PM   #16
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You can still do a full season of local training crits and fast group rides, right?
All the enjoyment you need can be found right out the back door.
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Old 04-01-08, 04:02 PM   #17
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Best of luck to your son. Bike racing will still be there next year.
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Old 04-01-08, 04:02 PM   #18
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Well, fast group rides really aren't the same. We're lucky in that here we have some really nifty crits on a closed race track on Thurs nights that are uber cheap. I'm going to hit up as many of those as I can. But I'm sure you should be able to find something to satisfy the racing bug close by.
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Old 04-01-08, 04:10 PM   #19
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It seems to me that often the race is in the mind, after all, how many times have I read about someone dropping a Fred here...

Seriously, sorry to hear about the problems your son has had with his health.
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Old 04-01-08, 04:12 PM   #20
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Sorry dude. That's the worst thing about racing. We actually pay to do this.

At times that is unfathomable.
Paying to suffer, be shelled and publicly embarassed. That is just sad PCad. <shakes head>
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Old 04-01-08, 04:28 PM   #21
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Paying to suffer, be shelled and publicly embarassed. That is just sad PCad. <shakes head>
Only if we're lucky, as there's usually only about a dozen spectators per race.

Bicycle racing is like a gambling addiction -- you know you're going to lose $$ doing it, but you do it anyway just for the adrenaline rush.

I plan on becoming addicted this season.
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Old 04-01-08, 07:48 PM   #22
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Trying to explain to someone why I would pay money to suffer at a bike race for which you don't even get the nifty medal like at a marathon is difficult to say the least. I do hope to hit the training crits later -- they occur about 10-15 minutes from my workplace.

And my son is fine now -- it was just a very violent food poisoning incident.
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Old 04-02-08, 06:36 AM   #23
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How patriotic of you, Iím sure your words are very reassuring to those who may have begun questioning the clear superiority of everything American. My apologies for suggesting otherwise, I almost forgot that ignorance is bliss.
I'm glad to see you understood my point.
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Old 04-02-08, 09:17 AM   #24
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Tough break.

I can hardly understand the logic some people use to claim that the American health care system is superior to what we have in Canada.

Thanks for reminding me to appreciate what I have and that things can always be worse. It’s easy to always want more.

Heck my team covers race fees too. I’m spoiled.
I belong to a touring association. For 80 euros I get club membership, a cycling magazine, insurnce for my bike , and insurance against injury . The insurance plan raises the cost from 60 to 80 euros. Not sure why we need the medical insurance. All here must subscribe to the National health plan. The bike insurance gives us 10 ,000 euros coverage for any medical expense.
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Old 04-02-08, 06:16 PM   #25
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I belong to a touring association. For 80 euros I get club membership, a cycling magazine, insurnce for my bike , and insurance against injury . The insurance plan raises the cost from 60 to 80 euros. Not sure why we need the medical insurance. All here must subscribe to the National health plan. The bike insurance gives us 10 ,000 euros coverage for any medical expense.
I know some things, like Medivac, aren't always covered by regular insurance. When I was living in Canukia, and racing or traveling abroad, I would buy travelers insurance that covered this and the expense, if needed, of transporting my either injured or lifeless body back home.

It was pretty cheap. Probably comparable to the deal you are getting through your club.

What does the bike insurance cover?
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