Dnvr,
Two things:
1. Thank the politians for not being able to sue your HMO. The HMO put so much pressure on Congress, they just buckled. The HMO's say they can not provide care or compete if people can sue. Of course the fact they keep denying life sustaining procedures and improper care all in the name of the buck has nothing to do with it.
2. Since you are riding while using Cumidin you show have some sort of a medical ID alert on your wrist or some other very visible place. If you should require emergency medical care and can not respond to the EMT's questions, you will be long gone before they figure out why they can not stop the bleeding. Without a blood test, which they will not be able to do on the road there is no other way for them to know your on Cumidin!!! Even if you have to make one up or pin a tag to your bike riding outfit you should not be riding without it.