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I’m normally not a big fan of the AMA, but I did play along and sign the two petitions regarding closing a loophole that allows insurance companies to deny coverage to those injured in recreational activites including motorcycling. There are two Bills: one from the House and one from the Senate. Please go to this link and click on the ‘Action Alerts’. The AMA site uses Flash and I cannot link directly, but you’ll figure it out. Please take the time to fill out both. The AMA has made this incredibly painless…it takes about 60 seconds per letter if you use their form. If not, please be polite.

Here is the Senate version summary from the AMA link above (the House version is very similar):

EDIT - Spread the word!!!

ACTION ALERT - WRITE NOW - SENATE INTRODUCES HEALTH INSURANCE BILL FOR MOTORCYCLISTS!
TELL YOUR SENATOR YOU WANT THEIR SUPPORT ON THIS ISSUE!

U.S. Senator Susan Collins (R-ME) recently introduced S. 577, “The HIPAA Recreational Injury Technical Correction Act.” Last Congress, the full Senate unanimously passed similar legislation.

S. 577 aims at ending health care discrimination for individuals participating in legal transportation and recreational activities-activities like motorcycling, snowmobiling, horseback riding, skiing and all-terrain vehicle riding. This legislation addresses a loophole caused by a Department of Health and Human Services’ rule making it possible for health care benefits to be denied to those who are injured while participating in these activities.

“What many people don’t know until it’s too late, is that currently health insurance providers are legally permitted to deny benefits for injuries sustained while participating in certain recreational or transportation activities such as motorcycling, snowmobiling, skiing, and horseback riding,” said Collins. “This policy is unfair, and I am working with my colleagues to change it.”

Collins was joined by Senator Feingold (D-WI) in introducing the Senate legislation.

“From riding Harley Davidson motorcycles to visiting the Snowmobile Hall of Fame in St. Germain, these activities are part of Wisconsin’s heritage and economy,” Feingold said. “It simply doesn’t make sense to exclude those participating in these activities from health care benefits.”

On August 21, 1996 an important opportunity arose when President Clinton signed the Health Insurance Portability and Accountability Act (HIPAA), prohibiting employers from denying health care coverage based on a worker’s pre-existing medical conditions or participation in legal activities.

In 2001, the Health Care Finance Administration released the final rules that would govern the law. The rules recognize that employers cannot refuse health care coverage to an employee on the basis of their participation in a recognized recreational activity. However, the benefits can be denied for injuries sustained in connection with those activities. Essentially, the regulation grants equal status to motorcyclists without any substantive benefits.

“Because of this loophole, someone who participates in motorcycling or snowmobiling could be denied health care coverage, while someone who is injured while drinking and driving a car would be protected,” Senator Feingold said. “It is time that Congress corrected this so that those who are abiding by the law are not discriminated against.”

The AMA is urging all motorcyclists to notify their Senators and tell them to co-sponsor and support S.577, “The HIPAA Recreational Injury Technical Correction Act.”