In a follow up to our post on
the challenge of finding health insurance for those who engage in "high risk" adventure activities such as rock climbing, here we look at a case study involving one of the most high risk activities out there today:
BASE jumping.
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BASE jumper prepares to launch from Christ
the Redeemer in Rio de Janeiro |
On November 19, 2012, professional BASE jumper
Jill Kuzman had just made her 4th jump from a towering sandstone cliff near Moab, Utah, when she experienced every BASE jumper's worst nightmare - her parachute opened backwards, causing her to plummet to the desert floor. Kuzman broke her leg on impact but was lucky to have the immediate assistance of medics and doctors who were jumping alongside her that day. Her competent companions treated her as they rushed Kuzman to the hospital, minimizing the consequences of a fall that could have turned out much worse. Today, Jill Kuzman is off crutches and moving toward a full recovery.
Unfortunately, like many athletes and adventurers, Jill Kuzman did not have health insurance coverage at the time of the incident and quickly racked up $120,000 in medical bills. Friends pitched in and Kuzman herself reached out on Facebook for donations to help offset her cost, bringing in close to $10,000 toward her bills, but a majority of her expenses still remain.
Not long after Kuzman's incident something of a firestorm, focused on uninsured BASE jumpers and adventure seekers, erupted on BASEjumper.com, with some contributors voicing support, others exasperation that someone would engage in such high risk activities uninsured, when accidents are so likely to occur. In his article
The Adventurer's Health Insurance Conundrum on National Geographic's Adventure Blog, James Mills outlines the argument that unfolded on the site and examines some of the points that were brought to light, which adventure-seekers across a number of sports must grapple with.