IFBB Medical Insurance NOT for free!

[Insider Z]

If anyone thinks that the IFBB is paying for the IFBB Pro's medical insurance...they are living in Fantasyland.
 
First, they will have to join this Personal Trainers Organization for $600. (the people who are providing the insurance) and then they will have to pay a monthly premium, just like every other worker in the U.S.
 
Second, this situation only concerns IFBB Pro's from the U.S. The rest of the world has socialized medicine and doesn't pay for medical care.
 
Does any IFBB Pro realize what monthly premiums will be? Do they also realize that in the U.S. no company provides FULL medical coverage. The fact that no physical is required, Icoverage will be minimal.
 
Hey Chic,  you got to do better.
 
 
INSIDER Z   (The Man Who Has Visions of the Future)

[Chick]

InsiderZ-

Some "insider" you are...you got just about everything WRONG. do us all a favor and don't post anymore...

No one ever said it was "free" or provided by the iFBB...

secondly,  it's not $600 to join, it's $99...with an annual fee of $99

The monthly premium is at a GROUP rate...substancially less than regular coverage. How much less? Well, my premium went from $550/ month with Blue Cross to $135/ month for virtually the same coverage. I also had 4 packages to choose from...no one stuck with one coverage.

I have FULL coverage...same as I had with Blue Cross. The only difference in my coverage was that they don't provide Dental,but do provide a seperate coverage you can purchase which was about $55/ year or so..


Any more keen obsevations?

[michael arvilla]

InsiderZ-
Some "insider" you are...you got just about everything WRONG. do us all a favor and don't post anymore...
No one ever said it was "free" or provided by the iFBB...
secondly,  it's not $600 to join, it's $99...with an annual fee of $99
The monthly premium is at a GROUP rate...substancially less than regular coverage. How much less? Well, my premium went from $550/ month with Blue Cross to $135/ month for virtually the same coverage. I also had 4 packages to choose from...no one stuck with one coverage.
I have FULL coverage...same as I had with Blue Cross. The only difference in my coverage was that they don't provide Dental,but do provide a seperate coverage you can purchase which was about $55/ year or so..
Any more keen obsevations?

yes .......you go thru women faster than i go thru toliet paper.......

[Cool Black Clyde]

Yikes!  Insider Z just got owned big time!  Talk about living in Fantasyland. 

[Mr. Intenseone]

Any more keen obsevations?

Yes. On the insurance app. there's usually a question something to the effect of. "Have you ever taken illegal drugs?" and on some apps "have you ever taken steriods or other performance enhancing drugs?" If someone get sick in the line of "work" how is it justified if it's drug related? And.....di these insurance companies know what the IFBB entails??

[buffbodz]

$135 a month.  I pay 125 per week and that's through my wifes group plan.  Man in New England We pay through the ass for shitty coverage.  Blue Cross Coast to Coast and they always send a bill every time you use it ubove and beyond your co pay, which is 15 for your reg doc and 35 for a specialist.   You guys can do all kinds of AAS and only pay 135 a month.   I won't even get into to meds we must co pay for, that's another story. Good deal, Chick.  Do the other IFBB athletes have it?

[an123]

I pity any insurance company that covers a professional bodybuilder.

[Mr. Intenseone]

  I've never had to answer any questions when getting health insurance?

Sometimes if you are an employee for a company you don't. But these guys are not employees of the IFBB. Lori and had to fill out a shit load of paperwork and a ton of questions to boot!

[Chick]

The paperwork was average, and included all the regular questions they asked...nothing more, nothing less.

This coverage is available to any active IFBB pro.

I'd bet the amount of claims is MUCH less than all the fat, out of shape, smoking, drinking, couch potato's that make up the vast majority of insured people in the world. THEY'RE the reason med insurance cost is out of control as it is...!

[Matt]

The paperwork was average, and included all the regular questions they asked...nothing more, nothing less.
This coverage is available to any active IFBB pro.
I'd bet the amount of claims is MUCH less than all the fat, out of shape, smoking, drinking, couch potato's that make up the vast majority of insured people in the world. THEY'RE the reason med insurance cost is out of control as it is...!

This much is probably true.  I'm not entirely sure though, since bodybuilders are wreckless, not just with gear, but sometimes with rec drugs too.  Hard to say which demographic is healthier, but I would guess it's the bodybuilders.

[stuntmovie]

Chick, I have to disagree with you regarding the high cost of medical insurance.

You say that it is because of all the fat, out of shape people.

And I say it is strictly and almost totally due to the high "salaries" that the "educated people - nurses, doctors, etc" in the medical profession receive.

I have a good friend who is a nurse. One weekend, she worked on a Saturday which was not her regular work day and she was paid $1,800 for her eight hours of service.

I forget the details but when I questioned her about this, she was highly insulted that I thought she was overpaid.

In another case, a family member required the attention of a nurse during her normal working hours. The price for this service was so high that it was impossible to obtain such medical service without winning the California Lottery.

Medical insurance costs are way beyond the ability of most individuals in the US unless they work for a decent size company that provides it.

Small companies often go broke due to medical expenses which they originally intended to offer to their employees.

Some say that the medical professionals are NOT overpaid, but I do know for a fact that many Americans cannot afford their services.

Sorry, but one last comment. I have a nephew who is unemployed because he is a Care Giver for an extensively ill mother. He is "on duty" 24 hours a day and a nurse comes by for 20 minutes once a week to monitor her blood pressure. She gets a tremendous salary. He gets nothing.

That is all the help he gets from any government agency.

In some state programs a nurse would be available for a huge hourly wage and paid by the state. But in his case, the state pays nothingto the 24 hr a day care-giver.

Medical care in the US is a huge joke as far as I am concerned. But it is not a joke for those who work within the profession.

It is evident to me that the income is more important than the patient.

Thanks

[HRDCOR]

Posted by: Chick  Posted on: Today at 10:55:57 AM 
Insert Quote 
InsiderZ-

Some "insider" you are...you got just about everything WRONG. do us all a favor and don't post anymore...

No one ever said it was "free" or provided by the iFBB...

secondly,  it's not $600 to join, it's $99...with an annual fee of $99

The monthly premium is at a GROUP rate...substancially less than regular coverage. How much less? Well, my premium went from $550/ month with Blue Cross to $135/ month for virtually the same coverage. I also had 4 packages to choose from...no one stuck with one coverage.

I have FULL coverage...same as I had with Blue Cross. The only difference in my coverage was that they don't provide Dental,but do provide a seperate coverage you can purchase which was about $55/ year or so..


Any more keen obsevations?

$99 to join and $99 a month then a extra $55 a year for dental, now how on earth could you afford that Chic, considering your a pro bodybuilder and all !!you earning some cash on the side big fulla huh huh huh

[brianX]

And I say it is strictly and almost totally due to the high "salaries" that the "educated people - nurses, doctors, etc" in the medical profession receive.

Doctors are probably the most highly skilled professionals around.

[Disgusted]

Hey Bob, first I want to say good job on trying to help these guys out with health insirance. Now, before I go on I want to say that these are my observations and I COULD BE TOTALLY WRONG and if I am then I stand corrected.


From what I can see both Bob and Insider are correct. This Propta assoc. http://www.usapta.com/ is a personal trainers certicfication assoc. They offer health insurance to all members and to become a member you must be quote "To become certified by the Private Trainers Association you must hold a HS diploma, and Associate degree or a bachelors degree, or you must be a competitor and belong to an association like the IFBB, NPC, AAU, ABA, NBA, WABBA, INBA or the PNBA. You must have proof in the form of a card from your association listed above. We will be checking with all the associations for valid ID."


I'm also assuming that you must take a test to become a trainer and that is where the $600 fee comes in. Then you have the option of getting a health insurance plan thru the assoc.
It does state that for people who have won titles they are eligable  for the Professional status title which the fee for that is "Fee: $ 683.12". I'm not sure if that is a yearly fee and or if you have to take a test for that title, but you do have to for the other two certified certificates.



I also assuming that the IFBB has nothing to do with this since anyone who is a member of the IFBB, NPC, AAU, ABA, NBA, WABBA, INBA or the PNBA  can qualify to belong to this Assoc. after taking the test to become a personal trainer (again, not sure if the test applies for titles holders) and also have the option to get insurance. So props to Bob not t he IFBB on this one.

[onlyme]

Actually props to the PTA who came up with an idea to further bring in an income by providing insurance for pro and other  BB's.  The only catch is they have to pay to become a member and get certified.  So this may bring in allot of extra money to the PTA from BB's who want insurance.  The IFBB had nothing to do with this.  And this has been available all along hasn't it or did the PTA just start this. 

[FREAKgeek]

my health insurance

[240 is Back]

My health insurance.

[Disgusted]

Actually props to the PTA who came up with an idea to further bring in an income by providing insurance for pro and other  BB's.  The only catch is they have to pay to become a member and get certified.  So this may bring in allot of extra money to the PTA from BB's who want insurance.  The IFBB had nothing to do with this.  And this has been available all along hasn't it or did the PTA just start this. 

Don't know, but anyone who wants to pay out $600 can have insurance. I'm just wondering if it a yearly fee? BTW, you don't have to be a pro to be able to join. Anyone off the street can join anyone of those orgs (NPC, WABBA ect.) and sign up.

[240 is Back]

Don't know, but anyone who wants to pay out $600 can have insurance. I'm just wondering if it a yearly fee? BTW, you don't have to be a pro to be able to join. Anyone off the street can join anyone of those orgs (NPC, WABBA ect.) and sign up.

600 a year for insurance is awesome, depending on your deductable. 

[Disgusted]

600 a year for insurance is awesome, depending on your deductable. 

No, The $600 is for the certification. The insurance is $135 per month according to Bob. Although Bob does mention a yearly fee of $99 so I am not sure where that comes from. Insider says it's $600 to join and according to their website that is correct so maybe the $99 is a discounted rate for IFBB pros. No doubt Bob will clarify later.

[240 is Back]

No, The $600 is for the certification. The insurance is $135 per month according to BOb. Although Bob does mention a yearly fee of $99 so I am not sure where that comes from.

Ahhh gotcha.

Paying for insurance sucks.  Paying taxes suck.  I swear I had to raise my website prices just to keep H&R Block happy. </rant>

[FREAKgeek]

owned that baby glock model a few years ago...regret selling it.

[onlyme]

The $600+ is just to get cetified.  If you don't pass the test you pay again.  That is a yearly fee I am sure since you have to renew.  Maybe less to renew.  I am sure the insurance is more than $135 a month.  I can't see any insurance company chargin that little for a high risk profession with a history of bodily abuse for many years.  If it is that cheap then you are defintiely not receiving a full coverage plan.  And the deductible must be outrageous.  

[240 is Back]

owned that baby glock model a few years ago...regret selling it.

I carry a G27. I love it.  Also have a Keltec P32 on backup.   For years I sat in movie theaters and grocery store lines with a Sig hammer piercing my liver. Good riddance to that.

[Disgusted]

The $600+ is just to get cetified.  If you don't pass the test you pay again.  That is a yearly fee I am sure since you have to renew.  Maybe less to renew.  I am sure the insurance is more than $135 a month.  I can't see any insurance company chargin that little for a high risk profession with a history of bodily abuse for many years.  If it is that cheap then you are defintiely not receiving a full coverage plan.  And the deductible must be outrageous.  

According to Bob it is full coverage so who knows. If we assume the the $600 is a yearly fee then $135 monthly comes to $1620.00 plus $600 plus Yearly IFBB dues $200? that's $2420 a year. Comes to $202 monthly.

A friend of mine has full coverage on his own for $130 minthly, but he has a $2k deductable.