| phooka | 11-28-2001 10:19 AM |
This is potentially important for anybody involved in any motorsports.
I know this probably belongs in the motorsports forum.. however I thought it might reach more people here. (so shoot me :))
The Internal Revenue Service, the Pension and Welfare Benefits Administration and the Health Care Financing Administration have proposed regulations that might restrict health coverage for participation in "risky" sports. It is not clear whether this might cover hiking, but almost any sport can be performed in a risky manner, e.g. backcountry winter hiking.
I can imagine this could extend to anything riding a bike or whatever, and certainly drag racing, autocrossing or track events.
[url]http://www.nynjtc.org/issues/2001/helcover.html[/url]
dale
The Internal Revenue Service, the Pension and Welfare Benefits Administration and the Health Care Financing Administration have proposed regulations that might restrict health coverage for participation in "risky" sports. It is not clear whether this might cover hiking, but almost any sport can be performed in a risky manner, e.g. backcountry winter hiking.
I can imagine this could extend to anything riding a bike or whatever, and certainly drag racing, autocrossing or track events.
[url]http://www.nynjtc.org/issues/2001/helcover.html[/url]
dale
| HIHO | 11-28-2001 10:26 AM |
Sounds about right. They GIVE care to same sex couples but not to people who might do something risky. One in the same to me.
| garface | 11-28-2001 10:38 AM |
WOW!!^^^^^^^^^^:rolleyes:
| Scoobie Doogie | 11-28-2001 10:44 AM |
That is BS to the Nth degree. Motorsports is FAR safer than promiscuious sex. Far more people die of aids than Motorsports. Why not deny insurance coverage to unmarried people who have sex or gays or lesbians who have promiscuious lifestyles.....oh wait....they wouldn't have many policies then would they. The other reason insurance companies don't deny coverage to said groups is also because it is not P.C. to do so and they would come across as evil.
Russian roulette with a condom on your gun...yeah we'll cover you.
Racing in a car with a roll cage, safety harness, helmet, fire retardent clothing and runoff areas and safety crews with doctors....hmmmm...now that's dangerous.
Disclaimer: I am not condoning nor condeming any lifestyle choices of anyone. The said references were solely used to make a point and not a statment of I-Club or Dell computer or my employer.:monkey: :monkey:
Russian roulette with a condom on your gun...yeah we'll cover you.
Racing in a car with a roll cage, safety harness, helmet, fire retardent clothing and runoff areas and safety crews with doctors....hmmmm...now that's dangerous.
Disclaimer: I am not condoning nor condeming any lifestyle choices of anyone. The said references were solely used to make a point and not a statment of I-Club or Dell computer or my employer.:monkey: :monkey:
| GZoomer | 11-28-2001 10:36 PM |
Man, And they just change that heath care benifit package at my work place. Kind of hard to tell what this will mean with out a def. risky sports. What this gets back to is employers only want to pay for health insurance for people who never get sick or injured and Health insurers don't want to cover sick or injured people either.
| toerag | 11-30-2001 05:49 AM |
What's worse is this:-
I had to get life insurance for my mortgage, standard quote for non smoker my age=£27 per month.
I get the form, fill it in...'Do you participate in any dangerous sports (motorsport, scuba diving, climbing etc.)'
I climb, so say yes and send it off. A week later a climbing questionnaire comes in with sensible questions, so I fill it in and send it off.
Quote comes back, £92 per month!!!!! And what's more, they won't cover me for accidents sustained whilst climbing:eek: :mad: ***!!!!
I used another company who charged £39 per month, but they too wouldn't cover me whilst climbing. How crap is that!!!:mad: :mad: :( :monkey:
I had to get life insurance for my mortgage, standard quote for non smoker my age=£27 per month.
I get the form, fill it in...'Do you participate in any dangerous sports (motorsport, scuba diving, climbing etc.)'
I climb, so say yes and send it off. A week later a climbing questionnaire comes in with sensible questions, so I fill it in and send it off.
Quote comes back, £92 per month!!!!! And what's more, they won't cover me for accidents sustained whilst climbing:eek: :mad: ***!!!!
I used another company who charged £39 per month, but they too wouldn't cover me whilst climbing. How crap is that!!!:mad: :mad: :( :monkey:
| Subie Gal | 11-30-2001 06:26 AM |
Re: This is potentially important for anybody involved in any motorsports.
[QUOTE][i]Originally posted by phooka [/i]
[B]I know this probably belongs in the motorsports forum.. however I thought it might reach more people here. (so shoot me :))
dale [/B][/QUOTE]
nah...thought i'd just move it instead... shooting is sooo violent :D
j.
[url]www.subiegal.com[/url]
[B]I know this probably belongs in the motorsports forum.. however I thought it might reach more people here. (so shoot me :))
dale [/B][/QUOTE]
nah...thought i'd just move it instead... shooting is sooo violent :D
j.
[url]www.subiegal.com[/url]
| Thug | 11-30-2001 08:28 AM |
Some of you sound like the friggin' KKK in this post. :mad:
| HIHO | 11-30-2001 10:11 AM |
[QUOTE]Some of you sound like the friggin' KKK in this post. [/QUOTE]
What are you talking about?
What are you talking about?
| Dussander | 11-30-2001 11:27 AM |
[QUOTE]They GIVE care to same sex couples but not to people who might do something risky. One in the same to me.[/QUOTE]
This is what he is talking about.
HIHO and Scoobie Doogie seem to display some degree of Homophobia.
This is what he is talking about.
HIHO and Scoobie Doogie seem to display some degree of Homophobia.
| Thug | 11-30-2001 01:44 PM |
Thank you Dussander, glad to see someone else has a clue.
| HIHO | 11-30-2001 02:27 PM |
What the hell does that have to do with the KKK? What is the problem was I not politically correct? I thought "Same sex" was the right way to say it? Do you like "Gay couples" Homosexual pairs"? Tell me the right language to use and I will. So you think it is a good policy to allow same sex couples to get health care from the work place? Why not all unmarried couples not just gays?
| WagonMonster | 11-30-2001 02:34 PM |
Uh guy,
It's probably because Same-Sex Couples [I]can't[/I] get married! Also, some "Domestic Partner" benefits cover unmarried opposite sex couples as well.
But I'll admit, the KKK reference was a bit far-fetched.
It's probably because Same-Sex Couples [I]can't[/I] get married! Also, some "Domestic Partner" benefits cover unmarried opposite sex couples as well.
But I'll admit, the KKK reference was a bit far-fetched.
| Thug | 11-30-2001 02:35 PM |
Hiho, you're still completely missing the point, but Im not going to clutter this thread with OT.
| HIHO | 11-30-2001 02:42 PM |
Gay marriage is not illegal in all states. I don't hate gay people just because I don't believe in their lifestyle. I don't agree with insurance companies having to cover LOVERS gay or not. Until the marriage laws change around the country that is the way it I think it should be. IMO.
| WagonMonster | 11-30-2001 02:45 PM |
[QUOTE][i]Originally posted by HIHO [/i]
[B]Gay marriage is not illegal in all states. [/B][/QUOTE]
Riiight, it's only illegal in 49 states.
Why should your idea of morals be imposed on others who should have the right to decent healthcare?
**sheesh**
[B]Gay marriage is not illegal in all states. [/B][/QUOTE]
Riiight, it's only illegal in 49 states.
Why should your idea of morals be imposed on others who should have the right to decent healthcare?
**sheesh**
| LUME | 11-30-2001 03:28 PM |
I'm pretty sure that at least 50% of insurance companies don't cover "death sports"..... ie, auto racing, base jumping, alligator wrestling, glass eating, bullet dodging, british food eating, or N'Sync listening....
--Roy
--Roy
| WagonMonster | 11-30-2001 03:29 PM |
[QUOTE][i]Originally posted by LUME [/i]
[B]I'm pretty sure that at least 50% of insurance companies don't cover "death sports"..... ie, auto racing, base jumping, alligator wrestling, glass eating, bullet dodging, british food eating, or N'Sync listening....
--Roy [/B][/QUOTE]
:lol: :lol: :lol: :lol:
[B]I'm pretty sure that at least 50% of insurance companies don't cover "death sports"..... ie, auto racing, base jumping, alligator wrestling, glass eating, bullet dodging, british food eating, or N'Sync listening....
--Roy [/B][/QUOTE]
:lol: :lol: :lol: :lol:
| Thug | 11-30-2001 05:11 PM |
[QUOTE][i]Originally posted by LUME [/i]
[B]I'm pretty sure that at least 50% of insurance companies don't cover "death sports"..... ie, auto racing, base jumping, alligator wrestling, glass eating, bullet dodging, british food eating, or N'Sync listening....
--Roy [/B][/QUOTE]
Sweet! Fire eating isnt on the list! :D
[B]I'm pretty sure that at least 50% of insurance companies don't cover "death sports"..... ie, auto racing, base jumping, alligator wrestling, glass eating, bullet dodging, british food eating, or N'Sync listening....
--Roy [/B][/QUOTE]
Sweet! Fire eating isnt on the list! :D
| HIHO | 11-30-2001 10:16 PM |
[QUOTE]Why should your idea of morals be imposed on others[/QUOTE]
That is a two way street.
[QUOTE]Until the marriage laws change around the country that is the way it I think it should be. [/QUOTE]
Read what I said. Because anybody can say they are a couple and deserve coverage. Why should my job pay for insurance on my girlfriend?
That is a two way street.
[QUOTE]Until the marriage laws change around the country that is the way it I think it should be. [/QUOTE]
Read what I said. Because anybody can say they are a couple and deserve coverage. Why should my job pay for insurance on my girlfriend?
| Scoobie Doogie | 11-30-2001 11:34 PM |
Dussander,
I am NOT homophobic. Read the ENTIRE message please. I was merely referencing some FACTS the people in those categories who are promiscuious (gay, lesbian or straight) are far more likely to contract HIV(Dangerous). There are many same sex couples out there who are not promiscuious that do not have to worry about HIV. I was merely using it as a graphic reference and made no judgements at all to ANYONES lifestyle choice. I work with people who are homosexuals and I don't judge them at all.
The model was to show that what insurance companies think are dangerous and not dangerous have nothing to do with fact at all. It is merely a way to cover their sorry excuses for lackluster health insurance.
I really hate having to waste time explaining this every friggin' time lifestyle topics come up. There is no angle, no slamming of anyones lifestyle, no remarks that condemn at all in my message.
I am NOT homophobic. Read the ENTIRE message please. I was merely referencing some FACTS the people in those categories who are promiscuious (gay, lesbian or straight) are far more likely to contract HIV(Dangerous). There are many same sex couples out there who are not promiscuious that do not have to worry about HIV. I was merely using it as a graphic reference and made no judgements at all to ANYONES lifestyle choice. I work with people who are homosexuals and I don't judge them at all.
The model was to show that what insurance companies think are dangerous and not dangerous have nothing to do with fact at all. It is merely a way to cover their sorry excuses for lackluster health insurance.
I really hate having to waste time explaining this every friggin' time lifestyle topics come up. There is no angle, no slamming of anyones lifestyle, no remarks that condemn at all in my message.
| Steve-oWRX | 12-01-2001 12:32 AM |
Did I click to the wrong site...I thought this was a car site...not a gay/lesbian chit chat board. Anyway..how the hell did you guys start talking about the KKK and gays?? The site for gays and KKK guys is [url]www.honda.com,[/url] or [url]www.mustang.com.[/url]
| Steve-oWRX | 12-01-2001 12:34 AM |
[QUOTE][i]Originally posted by HIHO [/i]
[B]. I don't hate gay people just because I don't believe in their lifestyle. . [/B][/QUOTE]
---So...you hate gays???
[B]. I don't hate gay people just because I don't believe in their lifestyle. . [/B][/QUOTE]
---So...you hate gays???
| AngelT | 12-01-2001 01:37 AM |
Let's Back Up a Bit....
HIHO:[QUOTE]Sounds about right. They GIVE care to same sex couples but not to people who might do something risky. One in the same to me.[/QUOTE]
Before we expend a lot of time watching you try to weasel out of your original statement, explain "One in the same to me".
You are saying that same-sex couples are doing something risky?
AT
Before we expend a lot of time watching you try to weasel out of your original statement, explain "One in the same to me".
You are saying that same-sex couples are doing something risky?
AT
| HIHO | 12-01-2001 07:55 AM |
So lets see because I have an opinion you don't agree with I am a hater. Because I believe that a gay lifestyle is risky I hate guy people? God forbid I have an opinion different than yours; and if I do you call me a hater. I think the word "HATE" is thrown around way to much. A person with a different view does not make that person a hater. Write that down somewhere.
| AngelT | 12-01-2001 12:20 PM |
...tatooed on the knuckles of each hand...
HIHO:[QUOTE]So lets see because I have an opinion you don't agree with I am a hater. Because I believe that a gay lifestyle is risky I hate guy people? God forbid I have an opinion different than yours; and if I do you call me a hater. I think the word "HATE" is thrown around way to much. A person with a different view does not make that person a hater. Write that down somewhere.[/QUOTE]
Personally, I wasn't getting down on you for the hate thing. You can love or hate whoever you want. Don't worry, my BIF (Big Invisible Friend) will forgive you!
I was getting on you for your original statement. Tell me again, what is it that same-sex couples do that is risky? Oh, s-e-x? Heterosexual couples do that, too, don't they??
AT
Personally, I wasn't getting down on you for the hate thing. You can love or hate whoever you want. Don't worry, my BIF (Big Invisible Friend) will forgive you!
I was getting on you for your original statement. Tell me again, what is it that same-sex couples do that is risky? Oh, s-e-x? Heterosexual couples do that, too, don't they??
AT
| akuhner | 12-02-2001 11:25 AM |
Am I the only one who is extreemly offended by this thread? I find that hard to believe. Same sex unions are not relevelant to insurance coverage for motorsports!!! Did you ever stop to think that gays in "unions" cost insurance companies less than the gays that bigots like you force into the closet do? If they are in a "union" they aren't out on the town sleeping around... and, oh wait, do you notice how much this sounds like STRAIGHT PEOPLE too?!?! You live with a bucket over your head if you still think that gay people have more health problems than straight people. No matter how you cut it, straight people cost more because there are more of us, and when there are more of us there is far more potential for STUPIDITY! But you people wouldn't know anything about stupidty because it would hurt too much when you look in the mirror...
So please go back to talking about something that you can actually understand and that these boards were created for! This had the potential to be an interesting thread, but it degraded really quickly. Can we start it over and not get offensive, please????
Alex
:mad:
So please go back to talking about something that you can actually understand and that these boards were created for! This had the potential to be an interesting thread, but it degraded really quickly. Can we start it over and not get offensive, please????
Alex
:mad:
| wrxguy | 12-02-2001 11:50 AM |
risky sports
use , ta be that you could drive without a seatbelt
and then Helmut Laws
now sports....................
what next? get a government job or work for insurance?
and then Helmut Laws
now sports....................
what next? get a government job or work for insurance?
| HIHO | 12-02-2001 06:05 PM |
Alex what the hell are you going on about? No one ever said that gays have more health problems. I said that an insurance company should not be responsible for who I, John Smith, or Jane Doe SLEEP with. Why do you feel that they should pay for my girlfriends doctor visits? What if I have three or four girlfriends? I personally have dated girls for a month then broke-up, I guess the insurance company should have to keep up with my many lovers.
[QUOTE]Did you ever stop to think that gays in "unions" cost insurance companies less than the gays that bigots like you force into the closet do? If they are in a "union" they aren't out on the town sleeping around... [/QUOTE]
What "union" do gays belong to? You mean like the Teamsters?
[QUOTE]Can we start it over and not get offensive, please???? [/QUOTE]
Sorry this is the REAL world and I don't go around hoping I don't offend someone. This is America and we have the right to OFFEND each other. I don't cry when I get offened and ask everyone to; "stop offending me":( . I can handle it and so can most people be it gay, strait, black,white, or yellow. So call me a "bigot" or "hater" because I have a different veiw than you. Some people might consider that hypocritical.
[QUOTE]Did you ever stop to think that gays in "unions" cost insurance companies less than the gays that bigots like you force into the closet do? If they are in a "union" they aren't out on the town sleeping around... [/QUOTE]
What "union" do gays belong to? You mean like the Teamsters?
[QUOTE]Can we start it over and not get offensive, please???? [/QUOTE]
Sorry this is the REAL world and I don't go around hoping I don't offend someone. This is America and we have the right to OFFEND each other. I don't cry when I get offened and ask everyone to; "stop offending me":( . I can handle it and so can most people be it gay, strait, black,white, or yellow. So call me a "bigot" or "hater" because I have a different veiw than you. Some people might consider that hypocritical.
| AngelT | 12-02-2001 06:38 PM |
Backpedal
HIHO:[QUOTE]No one ever said that gays have more health problems.[/QUOTE]
Funny, there's this other guy named HIHO on this BBS who posted:
[QUOTE]Sounds about right. They GIVE care to same sex couples but not to people who might do something risky. One in the same to me.[/QUOTE] and who has been backpedalling (and being indignant) ever since.
Hey, you get to believe whatever you want to believe. You can even change your mind if you want to in the middle of a discussion. Trying to disavow what you said, though, does not make you look pretty. You might consider giving it up.
I kind of understand akuhner's disgust with how a motorports thread turns into this kind of stuff. I just wanted to call you on what you said. I did. I'm done
AT
Funny, there's this other guy named HIHO on this BBS who posted:
[QUOTE]Sounds about right. They GIVE care to same sex couples but not to people who might do something risky. One in the same to me.[/QUOTE] and who has been backpedalling (and being indignant) ever since.
Hey, you get to believe whatever you want to believe. You can even change your mind if you want to in the middle of a discussion. Trying to disavow what you said, though, does not make you look pretty. You might consider giving it up.
I kind of understand akuhner's disgust with how a motorports thread turns into this kind of stuff. I just wanted to call you on what you said. I did. I'm done
AT
| Evan J. Kelly | 12-02-2001 09:32 PM |
Woa, this is hilarious, sad, scary, and insane all at the same time!
You guys are too much...
teehehe...
I like the color blue... any taker's?
Seriously, let's start a thread discussing politics and religion!:lol:
You guys are too much...
teehehe...
I like the color blue... any taker's?
Seriously, let's start a thread discussing politics and religion!:lol:
| akuhner | 12-02-2001 10:11 PM |
Dude, you have to admit that there is something wrong when your first gut reaction to the topic of healt insurance coverage for motor sports participants is to complain that other, totally non-related and non-compareable groups of people get coverage. If you didn't overtly mean it that way fine, but you did make a harsh statement directed at a segment of society that is discriminated against on a regular basis. When you step back and look at it objectively I hope you can see why you've got everyone riled up.
Here is the last thing I'll say on this topic: There is no difference between a straight marriage and a homosexual marriage - two people have comitted to eachother. It can't be compared to you having 2 or 3 girlfriends ;) .
On the real topic of insurance for risky sports, I find the climbing thing really distrubing. If they raise your rates because you climb they should have already offset the additional risks brought by climbing, so to refuse to cover accidents related to climbing should be illegal! Insurance is a weird business, but the bottom line is money. To protect their bottom line they have to use stats to figure out how likely you are to make a claim, and if climing increases that percentage, then they are going to have to charge you more - but not cover it at all when they have already covered that increased exposure?! :confused:
Then comes the Motor Sports thing - are we really more likely to have an accident on the track, or on the way to the track on the highway?
Alex
Here is the last thing I'll say on this topic: There is no difference between a straight marriage and a homosexual marriage - two people have comitted to eachother. It can't be compared to you having 2 or 3 girlfriends ;) .
On the real topic of insurance for risky sports, I find the climbing thing really distrubing. If they raise your rates because you climb they should have already offset the additional risks brought by climbing, so to refuse to cover accidents related to climbing should be illegal! Insurance is a weird business, but the bottom line is money. To protect their bottom line they have to use stats to figure out how likely you are to make a claim, and if climing increases that percentage, then they are going to have to charge you more - but not cover it at all when they have already covered that increased exposure?! :confused:
Then comes the Motor Sports thing - are we really more likely to have an accident on the track, or on the way to the track on the highway?
Alex
| froggert | 12-03-2001 09:55 AM |
sorry if this post is almost on topic: :rolleyes:
my insurance specifically states that it doesn't cover skydiving. i asked the agent about scuba diving and white water rafting and they're both covered. so i guess that policies currently vary from company to company.
roger
my insurance specifically states that it doesn't cover skydiving. i asked the agent about scuba diving and white water rafting and they're both covered. so i guess that policies currently vary from company to company.
roger
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