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Road I always hate this consequence of a bike crash...

Discussion in 'Cycling Department Forum' started by James, Aug 1, 2018.

  1. James

    James Active Member

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    Last week I had my first crash in a number of years, and it was a good one. Early morning ride, hit something in the road and went over the bars. It was just an easy recovery ride but boy did I catch some air. Did a face plant on the asphalt road and instantly knew the wife would be pissed - a trio of lower front teeth knocked out and some split lips. Got back on the bike and cycled 3 miles home, cleaned up, prepared my wife for the worst, and drove to the emergency room. 10 hours and 2 hospitals later, I was finally discharged. 3 lost teeth, 1 broken tooth, road rash, stitches in the upper and lower lips, and a fracture C7 vertebra. Being the United States, I eagerly await those hospital bills coming in... And a few months down the road it will be time for expensive, out of pocket, implants to replace my pearly whites.

    But all that pales to the real issue - the pressure from the spouse to stop riding. I always hate that discussion.

    BTW, the most painful part of this whole ordeal was the road rash and getting shots of lidocaine in the lips. No pain whatsoever from the fractured C7, and having 2 wisdom teeth pulled a few years ago hurt more days on than the violent discharge of my front teeth (no pain at all there).

    Crashes suck.
     
  2. Orione532

    Orione532 Senior Member

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    I didn’t had the courage to press like on the post.
    I hope you recover will and fast, as we say in this part of the world “earth is hard”...

    Good luck mate!
     
  3. arthur666

    arthur666 Senior Member

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    Holy cow! Glad it wasn't worse, but otherwise that is nothing but &#!tty.
    Trust me, the fact that your fractured vertebrae is not hurting is good news. I'm still recovering from my L5 fracture (from car wreck in March), but mostly back to normal, even trail riding.
    I can't imagine going thru the dental thing. Nobody should go bankrupt (or toothless) due to an accident.
    Good luck to you.
     
  4. Jan Larsen

    Jan Larsen Senior Member

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    No insurance? Best of luck mate :)
     
  5. James

    James Active Member

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    Honestly, I was ready to ride the next day. The look I got from my better half...

    Oh, and I have insurance. Just no dental policy,as it is a side policy that costs more than the medical. But looking at my medical, even some of the dental will be covered, just no implants.And what is covered as the result of an accident looks to be better covered than had I had the dental. Go figure. America and our private insurance.

    The good news about the teeth is that I could have gotten dental insurance over the years, but the policy is actually not that great - will pay 50% for the teeth, capped at something like $1500 or $2000 per year, and my wife called and was told we'd have to prove the teeth were there before the accident. The ~$10k I saved in the last 5 years on such a policy and the 50% coverage limit will more than pay for the estimated costs going forward. My HSA is about to get tapped into.
     
    arthur666 likes this.
  6. Orione532

    Orione532 Senior Member

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    Pardon me man but I'm shocked. Dentists are expansive here because they work on private practics but for the facial trauma and the back injuries they made you pay?
    Here in Italy unless you go to the ER with a broken nail (so they pull you on white code and you have to pay 25€) it is all included in the 55% of taxes I pay on my paycheck
     
    arthur666 likes this.
  7. arthur666

    arthur666 Senior Member

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    Health insurance covers ER visits, but not usually anything involving dental replacement. I had a $25,000 ER bill, but only paid $250 thanks to decent insurance. But if you're uninsured, you're in trouble. Our country was working towards universal healthcare, but then something terrible happened. Don't get me started... :(
     
  8. Bram Hengeveld

    Bram Hengeveld Senior Member

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    Oh shit @James I am so sorry to hear that. Best wishes on your recovery!
     
  9. NoobOnTour

    NoobOnTour Well-Known Member

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    @James damn...! I wish you all the best for a rapid recovery!
     
  10. Bram Hengeveld

    Bram Hengeveld Senior Member

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    @James how are you doing?
     
  11. James

    James Active Member

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    I'm good. Have not been back on the bike yet as the spousal unit still has strong emotions against it. Aside from 4 missing bottom teeth (have a temporary partial denture to not make me look completely freakish...) all is good. Have a trip to the dentist this week to talk the next phase - implants, bridge, denture, ... That's where the real joy and cost will come in.

    If any of your are interested in the costs involved with the US health care system, some stats below. So this was a for a fall on the bike where I drove myself to the local hospital, got an MRI done, was transported in an ambulance to the main hospital since the local one felt they didn't have the expertise, another MRI at the main hospital, stitching of my lips, etc. Wife picked me up at 6 PM that day and we drove home. So a day in two ERs. I have what's called a high deductible health plan. Almost all the times I have had to use insurance they have been accident related, so I went with the HDHP to put more money in my retirement accounts. I essentially have two choices for insurance:

    Option 1 - traditional which costs ~$3000 US/year and it's a 5% co-pay for most things
    Option 2 - HDHP which costs ~$1500/year, and if I need service I pay the first $3000, and all above that is 5%. I can also put up to $6500 or so into a tax-free account which can be used tax free for health related stuff or for anything when I retire (but that would be taxed). The last 5 years I've had it, I've been able to bank quite a bit, so I am ahead of the game despite the accident this year.

    Total billed costs from hospitals, followup visits for neck and lips - $28,745.14
    What the negotiated rate between the organizations and insurance company comes to - $9814.56
    What I have had to pay out of pocket (includes deductible) - $3,231.78

    So far I've spent $1200 at the dentist (exams, the partial, one tooth extracted). I don't have dental insurance (most dental plans are pretty bad, so it was in my advantage financially to self-insure). Depending on what the dentist says this week, I may be able to get some stuff covered by my health insurance. For example, while the health insurance won't pay for implants (but even the dental coverage would have only covered something like $1000), it will pay for things like bone grafts if needed. Since this was the result of trauma rather than poor dental hygiene, I have a little more flexibility.

    The cost from the hospitals and followups is striking. For comparison, back in 2002 I broke my hip in a crash. I was under anaesthesia, had titanium rods and such installed, spent 3 nights in the hospital, 7 nights in a rehab facility, and total cost as I recall was around $30,000 (my share was like $1000). About a decade ago, on a work trip to Japan a coworker fell ill with a kidney stone. He was rushed off to the hospital by ambulance, spent a night in the ER and hospital, and was told he had to pay cash for the care. His bill? Like $150. Yes, we in the US do have high costs when it comes to health care.

    On the positive side, since I haven't been riding the last 3 months, I don't have the same voracious appetite. So I'm saving a little money on all the excess food and beverage to replenish those lost calories :). Plus I've saved 2000-3000 miles of tire wear! But I do need to get moving again as my pants are a little tighter these days.
     
    Flaviu, Bram Hengeveld and arthur666 like this.
  12. Bram Hengeveld

    Bram Hengeveld Senior Member

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    Omg James. I am out of words what to reply.

    I decided to join you in the sick bay though and i will report about it later and save you the pictures as I have a pretty face now too.

    Good to hear you are feeling a bit better now. Maybe an idea to cycle indoors for the time being on Zwift?
     
  13. James

    James Active Member

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    Bram, hope you get better yourself. BTW, went to the dentist this week to get the scoop on 4 implants. You don't even want to know the price of that!

    Indoor riding is tough for me. Back in 2002 I broke my hip in a bike crash. As part of the recovery I bought a Computrainer. Great training tool, but riding indoors just gets too hot. Even in those rare 0-10 Celsius days in Texas, if I ride with the window open I still heat the room up quite a bit.
     
  14. Jan Larsen

    Jan Larsen Senior Member

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    You need a floor fan pushing wind up on to you. This really: [​IMG]
    Cheap and just works.
     
  15. Bram Hengeveld

    Bram Hengeveld Senior Member

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    I don't want to know. Had such a massive bill myself a few years ago. Dentists eat diamonds and gold for breakfast i think.
     

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