Does your Group Health Insurance cover injuries from Organized Sports?
Yep, it happened again.Broken wrist. Went to hospital ER, so far, no worries.But, once the insurance company found out it was a Rugby injury, and not a fall, they denied coverage on the PT, and parts of the surgery.Why? Because they could.Please, call HR and/or your health insurance provider, and ask what would happen if a prop fell on you during a Rugby match....See you in the Rucks!!! BMK

The little pill that keeps you from getting health insurance
Too many times in Sport, the Talented have behavior problems that remove the Talented player from the game.Wouldn't a little pill help that...This is not Medical Advice. This is Health Insurance advice. If you're prescribed any medications for stress, most health insurance companies will deny you OUTRIGHT.Their fear: That you have a Chronic Mental/Nervous Disorder.The Law: That Health Insurance companies must pay for any treatment related to MND, like any other disease.So, they underwrite against it.This is a Law thing. Change the Law, no problems.Again, not medical advice. Maybe you need that little p

Big Fat Props don't get Health Insurance
Rugby players tend to be bigger than the average human. Your BMI index determines your obesity. Interestingly, at 5'10" and 200 lbs, my BMI is 28.7. I'm considered over weight, even though I have a washboard stomach. (I do, here's why.)So, an athlete could look to be in the over weight category. The solution is to make sure the insurance company knows about your regular exercise program. Don't be afraid to attach a cover letter with your application, or an MD's note saying how great in shape you are.Remember, you buy health insurance with your HEALTH, not

Temporary Health Insurance will NOT cover Rugby injuries
It's championship time. Playoffs at the college level, and this weekend, the Women's National Championships for the Premier League and Division I will be hosted by the Fog on Treasure Island.My guess is that 10% of those playing have no health insurance.Some will have bought a temporary policy and will use a computer printout as proof of insurance. Unfortunately, this will be accepted.I'm curious to see how many injury related bills go unpaid.See you in the Rucks!!! BMK

Failing to mention is almost as bad as a Lie
So, you fail to mention to your club admin that you don't have health insurance. You play, you get hurt, and the club could now get sued. Gee, Thanks...Failing to mention a doctor's visit on a health insurance application will cause you ever MORE grief. Once the information gathering service, such as Telemed, or WFI, sees a discrepancy, they'll stand still.That's right. The company that was hired by the insurance company that your applying to will do NOTHING once a "questionable" bit of information comes up.The remedy is constant contact between the agent, the PI (Proposed Insured, YOU), and the Underwriter's. Normally, the info gathering