As it would happen.....
After my injury 19 months ago, I made career change. I became a licensed insurance agent that specializes in accident insurance. I probably don't let enough people in this community know it.
I could not work for more than four months, and had very expensive surgery and physical therapy for almost 8 months. So i have personally experienced this.
Most health insurance will not exclude any claims regarding recreational mountain biking. In order for a claim to be denied (in most cases) you would have to be considered a professional racer in other words racing for money as a way to earn a living. That would not include a race such as the one that many of you were just in. That is an amateur race.
What most people don't realize is that not all health insurance is created equally. When we look at our benefits package at work most of us by nature look at the plan that has the lowest copay for regular doctor visits or the lowest premium. This is understandable because each and every year they get more and more expensive.
You NEED to look closer. The major medical side of the policy is what can bankrupt you. Over 80% of all personal bankruptcies in this country are due to being underinsured in the event of a serious illness or injury. Most people just don't keep enough savings on hand.
The fact there are deductables and copays that add up and up and up. In addition, you might not be able to work. The emergency room copay, the hospitalization deductable, surgery copay.....etc.....
I actually have 2 supplemental accident policies and my health insurance. The IMBA policy which is a coordinated policy, and the policy that I sell (Allstate) plus my wife's Blue Cross/Blue Shield. There were lots of holes in the Blue Cross policy, and we get it through Pasco County. (plus it costs a fortune!)
I urge you all to look closely at what you have. Find out if they offer supplemental insurance at work, if they do, get it. If not look at the IMBA policy. I will be glad to show you the Allstate policy. Which ever works best for you. Believe me, if you ever have to make a claim, you will be surprised how much benefit you will get. As with all insurance, I hope you never need it, but we engage in an activity that by it's nature puts us at some risk. That is half of the fun.
Feel free to pm me if you have any questions.