January 1, 2010

Q: I was denied health insurance simply because I ride a motorcycle. Is that legal? Can you help?

A: Yes, unfortunately, commercial insurers can use a wide range of criteria to determine eligibility are they see fit and, as long as the underwriting criteria are applied consistently, this is a legal practice in most states.

The good news is that all of the low cost health insurance plans listed at MedSave.com issue coverage to motorcycle riders. The low cost short term medical insurance plans are popular for coverage up to three years and Golden Rule Insurance is often the least expensive long term coverage in Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, and Wisconsin . For other states, see the listings on the your own state page using the link above. All policies offer nationwide coverage.

Keep in mind, of course, that you must still carry motorcycle policy, including adequate coverage for uninsured and underinsured drivers. This is always the primary coverage in the event of an accident while riding.


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