Pilot Medical Insurance Coverage

[201er]

Am I the only one who realizes how financially screwed the pilot is in the event of a serious yet survivable accident solo? Although bodily injury liability medical coverage exists for passengers, there is little or no coverage for pilot. The mere $5k or whatever they include for medical expenses is chump change. Anyone who has been involved in an accident or knows someone who has been knows that medical expenses can easily spill over $100k.

Many of us do a lot of our flying solo (and even if not, we the pilots are the only people occupying that airplane 100% of the time) so we are at highest risk of injury related medical expenses and yet we are provided the least coverage. Peronal health insurance doesn't seem keen on covering medical expenses for self-inclicted adventurism and it seems that aviating falls under that.

It seems that the most likely thing to happen in an airplane totalling accident with pilot hospitalization is that the insurance company pays the hull value check to the pilot and then the hospitals seizes that for medical expenses.

[kortopates]

I don't believe Medical coverage is intended to replace your personal Health/Medical coverage but to pay for medical expenses you might incur for immediate medical treatment at the time of an accident - including things that may not be covered by normal health insurance like the ambulance ride to the hospital. Surely you don't fly without everyday health insurance.

[Becca]

Quote: kortopates

I don't believe Medical coverage is intended to replace your personal Health/Medical coverage but to pay for medical expenses you might incur for immediate medical treatment at the time of an accident - including things that may not be covered by normal health insurance like the ambulance ride to the hospital. Surely you don't fly without everyday health insurance.

[jetdriven]

Most of those small polices pay secondary to other coverage (read: never pay out) and they are overpriced at that.

[Piloto]

Under the new Obama plan you don't need to worry about it because you would be unable to afford flying.

 

José

[201er]

^Thanks... wouldn't be able to afford the health insurance either.

[jetdriven]

yeah because denying people based on a technicality and having them die is so much better than doing the right thing. But that is another story. Half of all bankruptcys are caused by medical bills.   Don't get sick.  If you get sick, please die quickly.

PS Your hero Mitt presided over the Mass health plan, which "obama care" was fashioned under.  Vote for him. He is a great actor.

The Massachusetts health care insurance reform law, St. 2006, c.58,^[1][2] , also known as RomneyCare, enacted in 2006, mandates that nearly every resident of Massachusetts obtain a state-government-regulated minimum level of healthcare insurance coverage and provides free health care insurance for residents earning less than 150% of the federal poverty level (FPL)^[3] who are not eligible for Mass Health (Medicaid). The law also partially subsidizes health care insurance for those earning up to 300% of the FPL. These subsidies and FPL-related calculations affect very few of the over 6,000,000 people (see Massachusetts Department of Healthcare Finance and Policy quarterly Key Indicators report) that had healthcare insurance prior to the enactment of the law.

Quote: Piloto

Under the new Obama plan you don't need to worry about it because you would be unable to afford flying.

 

José

[201er]

Who said I like Mitt? He's "Obama lite" as they call him. I would much prefer your congressman for president Byron and I think you should too! Better to have freedom than endless bureaucracy.