Pardon me if this topic has already been talked about; did a search here and didn't find anything related to Medical Air Lift Insurance cost/coverage.
Anyone have medical air lift insurance?
If yes, which company do you use?
A 4wheeling buddy brought it to my attention that a recent (2 years ago) medical air lift cost $37k which was not covered by his insurance. Oouch.
So if you are into sports w/chance of serious injuries e.g. head injury from skiing, even our loved sports of 4wheeling e.g. serious roll-over, worth looking into IMO reason I am asking.
And as careful as you can be, sometimes sh*t happens.
Or not by fault, have a medical condition that warrants medical air lift service should problem arise outdoors.
There is one company that was suggested to me: http://phicares.com/index.shtml
Cost is $50/yr for Medicial Air Lift Insurance vs $37k out of pocket sure makes financial sense to me.
This carrier has a national plan including CA, AZ... but not all states.
I live in San Francisco Bay Area which I think being near major hospitals, medical air lift is not necessary. I am thinking when I am out playing skiiing in Lake Tahoe, wheeling in El Dorado County...
I contacted Phil Air and looked at the contract and the coverage is by County. I don't see the counties where I freq wheel so this might not be the right carrier for me.
Was told that if "a Phi Air" member, ended up in an emergency and a diff carrier is used and not Phi Air, I will not be reimbursed. Suppose you can request Phil Air if conscious, but what if not... or Phi Air for example, doesn't cover that area. Another concern of mine.
Anyone w/experience looking into the cost benefit, coverage and pros/cons of Medical Air Lift Insurance!
Or any recommendation on Ins carrier that you use, and specifically in the El Dorado/Placer County where my family and I ski (snow and water), wheel, and Mtn Bike during our vacations.