Additional Health Insurance (on top of current plan)

**Kevo** · 12-23-2007, 12:05 AM

First of all, I did do a search but couldn't find anything on this exact subject.

There are some changes happening effective Jan 1 in the health insurance that I currently have. Turns out that the health insurance plan I have now will no longer cover certain things that I participate in- namely rock/ice climbing and out of bounds skiing. I'm currently on a plan through my dad (I'm 21 and in school). This plan is ok overall, and it covered all but 2k of the $37k medical expenses I had 2 years ago when I shattered my shoulder skiing in bounds. The kicker though- my Dad is on the board of the company and was involved in changing the health insurance for next year...

I need to pick up an extra plan that will cover backcountry skiing/mountaineering/climbing as I don't want to be screwed if I get hurt in one of these activities.

The main issue that I have is that I need something that covers these activities but doesn't cover the other stuff so much that the insurance companies would fight each other over payment if I were to be hurt in "normal" activities around town, etc.

Any ideas?

**char** · 12-23-2007, 12:16 AM

Adventure Advocates?

**AKPogue** · 12-23-2007, 12:31 AM

So if you get hurt in one of those activities they won't cover your injuries? That's fucked up!!

**Kevo** · 12-23-2007, 02:06 AM

Originally Posted by AKPogue

So if you get hurt in one of those activities they won't cover your injuries? That's fucked up!!

Exactly-if the health insurance company were to find out that I got hurt skiing backcountry or ice climbing they would not cover my medical bills. Fucked up? Yes.

**AKPogue** · 12-23-2007, 02:14 AM

Originally Posted by Kevo

Exactly-if the health insurance company were to find out that I got hurt skiing backcountry or ice climbing they would not cover my medical bills. Fucked up? Yes.

That is fucked up!!!

I can see not covering an evac but WTF.

**SuperGaper** · 12-23-2007, 08:25 AM

Tell your dad thanks for us!

**Tippster** · 12-23-2007, 10:17 AM

AFLAC?

**Kevo** · 12-23-2007, 12:13 PM

Originally Posted by Tippster

AFLAC?

Nope- AFLAC is more along the lines of temporary unemployment insurance.

Any other ideas?

**douchenozzle** · 12-23-2007, 12:54 PM

50% of all the bankruptcies filed last year were due to health issues. 75% of those people were insured at the start of the health issue.

according to the movie sicko anyway...

**cl1953** · 12-23-2007, 07:01 PM

I never heard of health insurance plans that exclude specific activities like that. Besides, if your Dad is on the board, he/you can afford to buy the coverage you want.