Sourcing health insurance for U.S. riders and racers was one of our core products that our business was founded on in 2007, and it is still one of the first lines of defense for financial protection against medical bills. As most American citizens and U.S. residents know, the impacts of the Affordable Care Act since enacted in March of 2010 have not been going in a positive direction for the last three years. Premiums have dramatically increased as well as the deductibles and other out of pocket cost. On top of those issues, many of the private health insurance companies in the U.S. that we work with, have decided not to offer coverage to the individual market making it that much harder for us to find you products that will cover you on and off the track.
With that said, for the 2018 open enrollment we will not be taking on any new customers for individual U.S. health insurance plans. However, we can still be of some help. First off, we will still offer employee benefit programs to businesses which give you more options. Second, and most importantly we still want to provide you with as much value as we can. We have put together "The Riders Guide to Purchasing U.S. Health Insurance" that can help guide you in getting a health plan.
Things To Know
We do not sell, trade, or give any of your information to anyone period, and it is only used by RiderSurance representatives to communicate insurance information. Not only is this our promise, but it is also in compliance with the [HIPAA] Health Information Privacy Act.
1. Is my sport covered?
Yes we can get you covered!
We specialize in offering plans that do not have exclusions for hobbies and occupations. Contact us today to discuss your needs and we can get you dialed in with a plan that meets your needs.
2. What if I don’t ride?
Our plans are for anyone!
While our unique niche is serving the action sports industry, we have served individuals, families, groups and business's since 2003 that do not have any connection to action sports.
3. What insurance companies do you offer?
We represent over 50 companies worldwide.
Just to name a few: Blue Cross Blue Shield, Best Doctors, BUPA, Aflac, MASA, Banner Life, Sagicor Life, and many more!
4. Effective dates
Do not wait!
Effective dates vary from what type of product you want to what state or area of the world you live in. So do not wait to contact us about coverage because in some situations there can be a 30 day waiting period before your policy can be put in force.
5. Pre-existing conditions
Every situation is different
There are many different rules and guidelines that vary company to company. With one conversation we can help guide you in the right direction with your privacy at the utmost importance.
6. Is RiderSurance an insurer?
No, we are insurance brokers
Our purpose is to help educate you based on your unique situation and needs. Once we have a good understanding of your needs we recommend insurance solutions that are available.
7. Do these plans cover me outside my sport?
Yes! Most plans cover you 24/7
The majority of our plans will cover you 24 hours a day, 7 days a week, on and off the track unless you choose otherwise.