Currently dealing with USAC incident, but wondering how USAT compares. Cycling crash in july, my primary insurance paid a lot of the cost with $5k deductable. Have just under $5k in bills I have to pay. The USAC is to be used as secondary insurance, found out it also has $5k deductable - so its abolutely useless! Feels like I should have put them as primary, as now my rates are up this year for primary. Any advice how to proceed? How does USAT compare?
I’m curious too. I had someone crash into me at an Ironman, and I got up and kept going. Ended up getting an MRI and some dry needling done for a issue that was seemingly related. I thought about going down the USAT rabbit hole, but just paid cash and moved on with my life.
These secondary policies are helpful when you have a catastrophic injury like a broken leg or torn ACL. They really aren’t useful for the basics.
USAT’s supplemental insurance kicks in after your medical insurance, and it has its own $250 to $1000 deductible, depending on the incident.
It also takes forever to pay out. As in, over a year from incident date, in our experience. But it was useful in the incident in question (As @TheStroBro mentions, traumatic / catastrophic incident with ambulance ride versus, say, even my broken pelvis from IMLP.)
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That is better than USAC. I guess deductable is high cause so many cyclist crash? I searched and it used to be much lower. I broke my clavicle with bone sticking out and had concussion (didnt know my age). Needed ambulance to ER
If the USAC one is high, it’s likely because of the amount of people using it as a primary care policy which should lead to a claim denial one would think. But my experience in Rugby shows differently. The amount of people playing contact sports without primary coverage is a bit high…or weirdly the people get injured tend to not have primary coverage at a greater rate.