"The 33"-Road Bike Racing - Another Insurance question...
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05-23-08, 12:35 PM
Ok, I tried the search but didnt come up with anything useful.
This last year I have been working in college athletics. It is a 10 month position and I was under the impression that it was 10 month pay and my health insurance would still carry over into the 2 months off. I guess it doesn't!
I just found this out yesterday and I want to race tomorrow. As a young'in who is not to familiar with the insurance world (im only 24) I was hoping someone could help me out with this. I know USA Cycling has general liability and rider accident insurance. If I was to get hurt at the race tomorrow would USA Cycling cover any medical fees for uninsured racers?
Or is it better to just not race, buy something like this (http://www.adventureadvocates.com/usacycling/) and wait for that to kick in before racing agan?
*note to self: need to find a real full time, 12-month paying AND insuring job
05-23-08, 12:43 PM
I'm no atty, but it looks like you're covered. Read about it here, at the bottom:
INSURANCE AT USAC EVENTS
If you suffer an accidental bodily injury while at a USA Cycling event or during travel to and from a USA Cycling event, the excess accident medical expense benefit provides coverage for injuries initially treated within 30 days of a covered accident. For more insurance information go to http://www.usacycling.org/news/user/story.php?id=630
VOLUNTARY INSURANCE BENEFITS:
ADVENTURE ADVOCATES http://www.usacycling.org/images/sponsors/advadv.jpg (http://www.adventureadvocates.com/usacycling/)
The Cyclist Protector Program provides up to $25,000 of coverage per accident with a $500 per accident deductible. The plan will cover you, on an excess basis, not only while cycling, but for all accidents - no matter how they occur. Subject to certain exclusions. For more information visit: http://www.adventureadvocates.com/usacycling.
AFFINITY HEALTH PLANS http://www.usacycling.org/images/sponsors/assurant.jpg (http://www.affinityhealthplans.com/usacycling)
USA Cycling’s Health Benefits Program will provide USA Cycling members with major medical insurance coverage through Assurant Health. Visit http://www.affinityhealthplans.com/usacycling for more information.
The Free Rx Discount Card provides a guaranteed savings of 15% and up to 60% on both brand name and generic prescriptions for all USAC members. To order your free card and begin receiving immediate savings, please call USA Cycling’s Health Benefits Program at: 1-866-633-6322.
LIBERTY MUTUAL http://www.usacycling.org/images/sponsors/libmutual.jpg (http://www.libertymutual.com/lm/usacycling)
Liberty Mutual Save on auto, homeowners and renters insurance with group discounts of 10% off competitive automobile rates and 5% off competitive homeowners and renter rates. Rates are guaranteed for 12 monthswith convenient payment plans, round-the-clock claims service, and 24-hour emergency roadside assistance for auto policies. Additional savings are possible based on age, driving experience and auto equipment. For a free coverage evaluation and no-obligation quote, call 1- 800-524-9400 and use the USA Cycling Member Client number on your My USA Cycling (https://www.usacycling.org/myusac/index.php?pagename=mypage) account page or click here (http://www.libertymutual.com/lm/usacycling).
05-23-08, 12:45 PM
yep, I did read that. Just nervous :-P wanted to make sure I wasn't missing something in the fine print.
05-23-08, 01:22 PM
"The USA Cycling carrier will pay 100% of the Reasonable and Customary medical expenses after the $5,000 out-of-pocket deductible up to a limit of $25,000."
holy cow! this kid isnt racing....
05-23-08, 02:13 PM
Yeah, sounds like a prudent idea to skip it. Even past the $5k, the $25K limit sucks too. If you come out with a long-term major injury, that's just a drop in the bucket.
05-24-08, 11:00 AM
if your insurance from work ended, don't they have to offer you cobra?
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