By calling them prior to jumping.

By asking them.

Ask them before you jump.

You call and ask BEFORE you skydive ...

Are you sure it's health insurance you need? Maybe you should increase your tithing at your church. :-)

1) "Other types of insurance allow us to pay according to risk Life insurance policies take into account certain types of behaviors and existing illnesses. Life insurance for private pilots and skydivers is more costly than for citizens who don’t fly planes or jump out of them. Car insurance is more expensive for people who drive long distances to work than those who drive short distances. In Hawaii, car rental companies will not cover repairs that result from excursions to the top of volcanoes. Homeowners in California pay extra for earthquake insurance, while those on the gulf coast pay more for hurricane insurance. In these cases, an exclusion or additional insurance price for specific activities is not a judgment about personal choice, just an additional fee for taking a known risk. The higher the likelihood of a bad outcome, the higher the fee for insuring against loss. In a true market, prices are dictated by a business exchange. For those of us choosing not to fly planes or drive to the top of volcanoes, the market determines that we do not need to pay more on behalf of those who do. Instead, we pay for our own risky behaviors, not someone else’s. But is the same true in heath insurance? Do people taking more risks assume more cost? In short, the answer is no. By law, employers who provide insurance must give every employee an opportunity for the same amount of insurance coverage. This creates equal access and prevents discrimination against employees who have existing illnesses. By placing all employees in the same risk pool, however, healthy employees subsidize treatments for others who have illnesses because, the theory goes, at some point everyone will require care and this distributes costs and risk evenly. But this also presumes that all medical events occur randomly and somewhat equally across a population of people (the way lightning strikes). We know this is not the case. People make decisions that carry extremely different levels of healthcare risk. For example, fatalities on motorcycles are far more likely than in cars (35 deaths / million miles vs 1.7 deaths / million miles) (2). Motorcyclists are also four times as likely to be seriously injured (3). Should car drivers subsidize costs for the increased risks taken by motorcyclists? Many choices add to or subtract from our likelihood of illness and injury, such as what we eat, how much alcohol and tobacco we consume, physical activity levels, sexual encounters, sleeping schedules, choice of occupation and recreation, driving habits, and where we live. How much should we have our fitness-minded, tea-totaling, speed-limit-obeying workers pay the bill for their hard-partying, smoking, all-nighter, overweight colleagues? What is fair, and who should decide? Currently, the rules of HIPAA restrict the degree to which any health metrics or behaviors can be considered in healthcare coverage for or costs to employees (4). So we are all covered as if we behave the same way." Source and further information: http://hhcf.blogspot.com/2008/01/motorcycle-riding-sky-diving-and.html 2) "What health insurance should I get so that if I get injured whilst skydiving I will not get stuck with a huge bill. How much does it cost. I dont smoke, mid 20's, no health problems." "Your best bet is to call an independent insurance broker, or start with some internet searches only they can answer your questions completely - unfortuantely this is a skydiving website and not a health insurance one. If your looking for what other people are paying that are of a similar age bracket, thats a different question. I have insurance through my employer, and accident only insurance that I purchased through an independent insruance broker - none of which is terribly expensive." "Start with your employer. If they have benefits, that's usually going to be your best bet. If they do not, a great place to start is eHealthInsurance. You can look at a variety of different plans, get quotes, and compare options. You can even apply online. There's a lot of information on there about how to assess what you need. Think through how often you go to the doctor / get prescriptions on a normal basis... if it's not very often you may be better off paying for the occasional visit out of pocket and getting something with a high deductible to cover yourself in the case of an accident/major illness. As for skydiving, the key thing is to read the documentation and make sure there are no exclusions for certain activities (e.g., skydiving). At your age/health status, you should be able to get something for well under $100 a month, probably under $50, depending on what kind of benefits you get. Note that I am not a professional at this, just someone who has worked in the industry. It's incumbent on you to do your own research. The site above is a great place to start." "My company offers two health plans, one with a company I DON'T like, the other reads as follows: "Exclusions: 20. Charges for services, supplies or teatment due to an illness or injury that results from engagin in hazardous hobby. A hobby is hazardous if it is an activity which is chacterized by a threat of danger or risk of bosily harm. Examples of hazarous hobbies include, but are not limited to: skydiving, auto racing or any kind of organized vehicular speed or endurance contest on land, water or air, hang gliding, jet ski operating, bungee jumping, stunt driving, aerobatis demonstration or contest or scuba diving." Seems like this is a catch-all for not falling into line with the structured society of drones." Source and further information: http://www.dropzone.com/cgi-bin/forum/gforum.cgi?post=1990443 3) "Where can I get health insurance to cover skydiving accidents? Q. I was hurt making a tandem jump; after the parachute opened I lost all feeling in my arms. The doctors said I had damaged (torn) nerves in my upper back that control your arms. I am going back this Saturday to do it again and looking for the name of an insurance company so I’ll be covered in case it happens again. A. Many healthcare plans and insurance policies cover injuries sustained while skydiving. It shouldn’t be hard to find one or both that are available to you." Source and further information: http://www.skydivingmagazine.com/questions/ques28.htm#Where can I get health insurance to cover skydiving accidents? 4) Further information: - "In general, will going skydiving once cause my health insurance to go up?": http://www.answerbag.com/q_view/675427 - "Insurance for Skydivers": http://www.ukskydiver.co.uk/cms/index.php?option=com_content&task=view&id=182&Itemid=123 Consider that legislation may vary from one country to other.