Medical and Rescue Insurance in one

Discussion of medical or rescue topics related to climbing and mountaineering.
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charlesrford

 
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Medical and Rescue Insurance in one

by charlesrford » Wed Dec 28, 2016 1:17 pm

Hey folks,

I am a few months away from embarking on a year-long climbing adventure and I need to lock down some solid medical and rescue insurance. Money isn't a huge issue, but I was hoping there was a company that would combine the two insurance types to save me some cash. Does anyone know which insurance companies bundle these two insurance types and who has the best coverage? I will be leaving my job in a couple months and will then obviously not have insurance, so this would in no way be supplemental. Thanks guys, really appreciate your help.

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nartreb

 
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Re: Medical and Rescue Insurance in one

by nartreb » Wed Dec 28, 2016 4:54 pm

I'm assuming you're in the US, since I don't know of any other country where health insurance is dependent on one's place of employment.

Just to keep in mind as a fall-back option, you're entitled under the COBRA law to continue (up to 18 months, longer if you're disabled) the health insurance you currently have through your employer, though you will have to pay full price. This is usually not your most economical option - if your state has a "health insurance exchange', you can usually find a cheaper plan there.

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charlesrford

 
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Re: Medical and Rescue Insurance in one

by charlesrford » Thu Dec 29, 2016 7:16 pm

Yes, I'm in the US. I'll be sure to check into my options under COBRA, as I've heard it isn't a terrible option when faced with no health insurance. If I pursued the COBRA option I'd need to buy rescue insurance separately and wouldn't mind doing so if it were remotely economical. Does anyone know of any existing combined rescue and medical bundle plans?

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Sunny Buns

 
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Re: Medical and Rescue Insurance in one

by Sunny Buns » Fri Dec 30, 2016 9:43 am

Investigate American Alpine Club Rescue Insurance. They used to provide it if you were a member but I have no idea if it is any good or not. No medical perhaps, but if it's cheap enough and good enough then it might work.

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charlesrford

 
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Re: Medical and Rescue Insurance in one

by charlesrford » Tue Jan 10, 2017 8:25 pm

Sounds good, I will look into it. Thank you so much.

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Sunny Buns

 
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Re: Medical and Rescue Insurance in one

by Sunny Buns » Wed Jan 11, 2017 6:40 am

COBRA isn't bad, but I'd check with various health care insurance companies for their prices/plans - you might save $$.

Speaking of health insurance, soon the ACA may be swept into the dust bin of history. What would you like to see for changes in health care insurance available to individuals (not in a group plan). Here are some of the things I'd like to see:

1) No mandate for anyone to buy HC insurance.
2) No penalty tax if you don't buy HC insurance. Keep the IRS out of health care.
3) Buy insurance from any state, or country.
4) No "enrollment period" - sign up any time you want.
5) I'm OK with a 60 or 90 day period after you sign up when they will not cover pre-existing conditions.
6) No government run sign up HC insurance website. Deal directly with insurers.
7) No more electronic medical records except within a providers office. No online sharing without written permission of patient.
8 ) All insurers must offer true major medical insurance to individuals of any age who want it. Thus it would not pay for routine doctor exams, going in for a sore throat or sore knee, etc. It would also not pay for:
a- maternity care unless you want that and pay more
b- non-necessary plastic surgery
c- tattoo removal or the consequences of tattoo removal
d- intentionally self-inflicted injuries
e- sex change procedures or the consequences of same
f- anything except for major problems and deductible would be say $10,000 (adjustable for different premium costs)
9) All current ACA plans to continue until at least the end of the year in which an ACA replacement is put in place - so people aren't suddenly out of insurance.

Edit: forgot to include #10:
10) All healthcare providers must list prices for all typical procedures they perform on the internet so all patients - insured or not - can shop around for the best deal. Prices must be listed for insured patients, for uninsured cash-at-time-of-service patients, and uninsured payment-plan patients, etc. They can include their list of normal circumstances, etc, and situations that may cost more but they must list probable costs for those situations.

What would you like to see in a replacement to the ACA?
Last edited by Sunny Buns on Thu Jan 12, 2017 7:37 am, edited 2 times in total.

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asmrz

 
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Re: Medical and Rescue Insurance in one

by asmrz » Wed Jan 11, 2017 10:38 pm

Re the question about American Alpine Club rescue insurance. Yes, it is offered to all AAC members and applies to climbing and trekking. It might be exactly what the OP needs. Unfortunately, one needs to be AAC member as the insurance comes with the membership.

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Sunny Buns

 
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Re: Medical and Rescue Insurance in one

by Sunny Buns » Thu Jan 12, 2017 7:42 am

Quote: "Unfortunately, one needs to be AAC member as the insurance comes with the membership."

I think it's simple to become a member - send in your $$ and an application - that's it. Right?

By being a member you get those cool Accidents in North American Mountaineering books every year. You can learn a lot from those.
https://www.amazon.com/Accidents-North- ... th+america

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asmrz

 
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Re: Medical and Rescue Insurance in one

by asmrz » Thu Jan 12, 2017 5:20 pm

Funny.

The membership cost is $75 for regular member and $45 for student. It includes (among many other things) the insurance. Text below is from the AAC.

"Accidents happen. As backcountry users, it is our responsibility to be prepared and also to have a backup plan. AAC membership automatically enrolls you for $12,500 of rescue coverage in case things go wrong climbing, hiking, backcountry skiing, mountain biking, and more—any human-powered, land-based activity beyond the trailhead is covered. Simply joining the AAC helps make this $12,500 lifeline possible for you and your fellow members".

I have never used it (been member for 32 years) but I know couple people who did. It not only saved their hides, but saved them quite a bit of money...


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