archenemy

You guys are great. No one here at work would believe me if I told them what I was reading right now.

Thank you! Love your new pic/title

Another satisfied customer

It is going to be a good day.

Does anyone know what an "Open reduction" is?

That pretty much sums me up.

http://www.thesneeze.com/mt-archives/000398.php

Thank you! Owe ya one.

Oh, and what is "open reduction"?

Also, does the description "sustained bilateral pilon fracture" apply to me? I did break both tib and fib all the way through.

What is "major injury of the contralateral lower extremity"? I cracked my ankle joint as well as broke the end of the bone of and the spliners when into the joint area. Is the description above referring to this?

Thank you for the advice. I have a question for you. Funny enough, I just got a questionaire re: subrogation. If I answer the first question on the survey honestly, I would pick the second option on how my accident occurred (during a recreational sports activity). Could they decide that I am the one responsible and come after me? I would certainly have some complaints about them then.... I am reading my Plan Description right now, but I am a bit nervous. Good timing, eh?

You should argue that it should go down due to your advanced age. Death rates for males are much, much higher at younger ages.

Fat fucks are interesting. I am rooming with one right now. And, fittingly, I just read a quote on a site that sums her up. "you are like some fat cock-blocking robot made in a secret government lab" Perfect.

How did you get my pic? I'm wearing flip flops in that photo.

Years ago I took a mini "class" in Hylite that was hosted by Northern Lights (http://www.northernlightstrading.com/). I swear I remember it being free, but don't quote me on that. I do remember it being really fun and I felt able to pretty much carry on from there. Good luck!

Wow! That is a huge increase. Where any of the coverages increased?

He forgets that men are in the minority overall. Rush makes me laugh. And throw up. He is my new diet plan.

When can this forum be put to death?

7. They’re 12 percent of the population. Who the hell cares? That's funny.

I am also Blue Shield, Anthem. I was concerned they wouldn't cover everything b/c I was taken to a facility that was not in network (but the surgeon was). It turns out they did cover everything (I was gearing up for a fight, believe me!). So basically, I don't have big complaints about Blue Shield.

I work in the medical school myself and also happened to sustain a few major fall injuries (not climbing related though) a few years back, so here is my two cents. Although I do have a group health insurance through my employer, the co-pay is still an out of pocket expense that does add up in the long run. If this Assurent do not lie to you and would indeed cover your climbing injuries for 40$ a month (on top of the regular premium, right?), you got yourself a deal! Yes, 10K is not enough for serious injuries like neck or spinal injuries (these would run 50K each) but the probability of getting them in rock climbing is rather slim as opposed to more frequently fractured ankles, wrists etc. or torn ligaments/tendons. So think about that. On the positive note, the 10K would cover the usual suspect injuries (including metalwork!) if you make right decisions on how and where to get medical help. 1. Try to avoid the ER visits and ambulance calls as much as you can. These two are the major money suckers which is getting worse and worse every day. Go straight to either Orthopedics (bones) or Trauma (soft tissue damage and ligaments/tendons) department with an X-ray facility on site and without an appointment (or get somebody on call, if out of hours, preferably not a resident) and insist they deal with you right away. REMEMBER: you have this right and they cannot turn you away. 2. You have right to choose the type of anaesthesia (another significant chunk on the medical bill). The prep IV is an absolute waste, for instance. 3. Rehab PT: two sessions max. Just learn the exercises and do it yourself. You do not need someone with a whip to tell you what to do three times a week for a few months. 4. Ask Assurent if they work with preferred and non-preferred providers. If they do, it might save you some money too. I hope this helps. PM me if you have more questions. NIL DESPERANDUM! Awesome advice!!! Except the PT. Totally disagree. Use your PT. You can't just get exercises and move on. As your injury heals and your ROM improves, your exercises change. PT is worth it's cost. Especially if you want to walk again without looking like you need a parrot on your shoulder.

I have not read this thread, so forgive me if I am just repeating stuff already posted. My insurance says that it doesn't cover dangerous "stuff". However, when I took a lead fall and did $30K worth of damage to myself, they covered everything. I do not have extra special insurance or anything super expensive. However, I was not asked specifically about climbing before being insured. I did look into climbers insurance years ago. It was prohibitively expensive and didn't seem to cover much. Maybe as you research other companies, you will find one that does not expressly call out climbing in their SPD. Read through and see what you get before you answer their questions. Good luck!!!

We already have segregated buses. They are called "short buses"

how's your flat tire? Inflated and running yet? It's my middle tire that is slowing me down.