Personal Injury Law

Health Insurance Companies Are Discriminating Against Bikers; Maybe It Is Time for Universal Medical Insurance!

By Norman Gregory Fernandez, Esq.

I have read and heard reports that some employer based health insurance plans, and individual health care plans are now refusing to cover bikers and motorcyclist because they are classifying us as hazardous recreational vehicle users. Under this classification, they are refusing to provide health insurance coverage to us based upon new plan changes effective in January 2008.

I am sure this is a huge shock to bikers and motorcyclist that this is happening to because it means that they are no longer covered for medical cost if they are in a motorcycle accident. What is more disturbing to me is that I am quite sure that many people lost coverage for these types of accidents and were not notified! Check your insurance people.

This is flat out blatant discrimination against bikers and motorcyclist. This battle must be fought in every State and with every Health Insurance provider that is practicing this type of discrimination. What they are effectively doing is making it so motorcycle riders cannot obtain health insurance for the times that they ride their motorcycles.

What is further truly disturbing that hundreds of thousands of bikers and motorcyclist commute to work on their motorcycles each day, and use their motorcycles as a primary means of legal transportation! How can this be classified as recreational use?

The only other option for some persons is to buy Med Pay insurance as a part of their vehicle insurance package, but most policies only cover approximately $1,000.00 or less of medical bills.

It looks like the big corporate health insurance companies are tying to shut us bikers and motorcyclist down! Well there is an answer; that answer is mandatory universal health care coverage, whereby everyone is required to have health care, and no health insurance company can turn down anyone for anything, including pre-existing conditions or so called recreational use on a motorcycle.

The bottom line is that if we do not fight this blatant discrimination as bikers and motorcyclist, we will be screwed if we get into an accident. There are a heck of a lot more car accidents than motorcycle accidents in this country! This type of discrimination of ridicules and uncalled for. Pretty soon we will have health insurance companies telling us they won’t cover us if we eat a certain type of food.

It is time to fight these bottom crawler health insurance companies who are screwing our nation, and most of all us.

By Norman Gregory Fernandez, Esq., ? 2008

Full post as published by Biker Law Blog on February 12, 2008 (boomark / email).