DAN Insurrance will not cover your chamber treatment any more!!!!!!

I just want to let you know that DAN has decided not to pay the full
treatment cost of any chamber treatment in the event you get DCS. DAN
has decided to pay only 11% of the cost for the treatment in the
Hyperbaric chamber. So, in reaction to this the Hyperbaryc Chamber
will try to charge the balance to your medical insurance plan, or they
will make you pay for it, if not covered by your medical plan.

The problem is that DAN is advertizing full insurance coverage and
they are not paying for it. Be aware of this problem if you, or anyone
you know, happens to get DCS. if you call Dan and ask them the reason
they are not paying for your treatment, they will said they have a
agreement with the chamber, but the fact is that the chamber will
charge you for the balance and you will be in lots of trouble tryng
to pay cash for a treatment that you were under the impression was
covered by your DAN insurance.

This Information is a fact and you may want to check with any
Hyperbaric Chamber especially the ones in Cozumel to reconfirm this
information.

Wrong. Go to the DAN site and read up on the coverage at
http://www.diversalertnetwork.org/me...p/handbook.pdf

And wrong again, because a diving buddy needed hyperbaric treatment recently
on a trip. It was all covered by DAN and he did not have to pay one penny.
They actually provided him with pizza at no extra cost during his table 6
treatment

R

"Tony Castillo" <castillo@nautigirlcharters.com> wrote in message
news:a0ee1cb3.0312081340.74528090@posting.google.c om...
> I just want to let you know that DAN has decided not to pay the full
> treatment cost of any chamber treatment in the event you get DCS. DAN
> has decided to pay only 11% of the cost for the treatment in the
> Hyperbaric chamber. So, in reaction to this the Hyperbaryc Chamber
> will try to charge the balance to your medical insurance plan, or they
> will make you pay for it, if not covered by your medical plan.
>
> The problem is that DAN is advertizing full insurance coverage and
> they are not paying for it. Be aware of this problem if you, or anyone
> you know, happens to get DCS. if you call Dan and ask them the reason
> they are not paying for your treatment, they will said they have a
> agreement with the chamber, but the fact is that the chamber will
> charge you for the balance and you will be in lots of trouble tryng
> to pay cash for a treatment that you were under the impression was
> covered by your DAN insurance.
>
> This Information is a fact and you may want to check with any
> Hyperbaric Chamber especially the ones in Cozumel to reconfirm this
> information.

"RM" <rm@nospam.tranz-it.com> wrote in message
news:1FaBb.44333$pQ1.1256089@wagner.videotron.net. ..

> > This Information is a fact and you may want to check with any
> > Hyperbaric Chamber especially the ones in Cozumel to reconfirm this
> > information.

Isn't this the chamber that charges a mandatory "voluntary" daily insurance
fee for all Cozumel divers?

Tony,
Read the Dan policy CAREFULLY, it is clearly listed as SECONDARY
coverage. They pickup 100% of the remaining customary charges. If your
prmary coverage doesn't cover it in the area you are they will pick up
the tab as long as you follow their guidlines before initiating
treatment.. Call them first..

ALso if you exceed the depth for you level of coverage you aren't
covered either. Many US medical poilicies cover a vacationer in The
US and Canada when on vacation.. Many do not.. Dan will research your
insurance before they pay.. Failure to disclose other insurance is
against the law in many places. Some carriers will not insure you
after the fact, if your paperwork wan't filled out at time of
treatment and following their procedures you may be out of luck.. DO
you think Dan should be responsible for your failure to follow
policies..



castillo@nautigirlcharters.com (Tony Castillo) wrote in message news:<a0ee1cb3.0312081340.74528090@posting.google. com>...
> I just want to let you know that DAN has decided not to pay the full
> treatment cost of any chamber treatment in the event you get DCS. DAN
> has decided to pay only 11% of the cost for the treatment in the
> Hyperbaric chamber. So, in reaction to this the Hyperbaryc Chamber
> will try to charge the balance to your medical insurance plan, or they
> will make you pay for it, if not covered by your medical plan.
>
> The problem is that DAN is advertizing full insurance coverage and
> they are not paying for it. Be aware of this problem if you, or anyone
> you know, happens to get DCS. if you call Dan and ask them the reason
> they are not paying for your treatment, they will said they have a
> agreement with the chamber, but the fact is that the chamber will
> charge you for the balance and you will be in lots of trouble tryng
> to pay cash for a treatment that you were under the impression was
> covered by your DAN insurance.
>
> This Information is a fact and you may want to check with any
> Hyperbaric Chamber especially the ones in Cozumel to reconfirm this
> information.

"RM" <rm@nospam.tranz-it.com> wrote in message news:<1FaBb.44333$pQ1.1256089@wagner.videotron.net >...
> Wrong. Go to the DAN site and read up on the coverage at
> http://www.diversalertnetwork.org/me...p/handbook.pdf

"RM", that's a perfect, and the ONLY pertinent reference regarding
DAN's policies and coverages.

As such, it showed that you are BOTH (partially) correct AND
(partially) WRONG.


The website clearly spelled out what's covered and not covered, and
very specific about Hyperbaric "ordinary and customary" charges of
"up to" SEVEN Hyperbaric Chamber treatment per accident, in addition
of other medical and physician costs.

>
> And wrong again, because a diving buddy needed hyperbaric treatment recently
> on a trip. It was all covered by DAN and he did not have to pay one penny.

That's probably because your buddy's treatment fell within the
constraints of the coverage provided. Such anecdotal account adds
nothing to what's stated in the website which IS the official
statement of DAN's coverage under its three different plans.

>
> "Tony Castillo" <castillo@nautigirlcharters.com> wrote in message
> news:a0ee1cb3.0312081340.74528090@posting.google.c om...
> > I just want to let you know that DAN has decided not to pay the full
> > treatment cost of any chamber treatment in the event you get DCS. DAN
> > has decided to pay only 11% of the cost for the treatment in the
> > Hyperbaric chamber. So, in reaction to this the Hyperbaryc Chamber
> > will try to charge the balance to your medical insurance plan, or they
> > will make you pay for it, if not covered by your medical plan.

This is probably incorrect, and the 11%, even if correct, is misleading
as stated.

Yes, DAN will not pay the "full treatment" if said treatment involve
more than SEVEN Hyperbaric Chamber rides, and/or other specs stated
in the Coverage Policy in DAN's website (handbook) above.

DAN is, and has always been, a SECONDARY insurance. Whatever diving
accident expenses you incur, your health insurance, such as BC/BC, is
the PRIMARY insurer that pays what it pays first, and then DAN covers
the remainder, subject to its maximum coverage.

Thus, when your buddy's treatement expenses exceeded what's covered
by the Primary and Secondary insurances, then the patient would be
responsible for payment of the rest out of pocket.


> > The problem is that DAN is advertizing full insurance coverage and
> > they are not paying for it.

That's WRONG! An irresponsible and very misleading statement.

Read the DAN insurance policy.

NO insurance of the "health" type provides "full" coverage in the
sense you suggested it to mean. They all have LIMITS of coverage.
BC/BS for example, has a lifetime maximum coverage of 1 million $
(I recall -- but I would check if that becomes an issue).

That's why there are primary, secondary, tertiary, and addition
insurances available to everyone.


> > Be aware of this problem if you, or anyone
> > you know, happens to get DCS. if you call Dan and ask them the reason
> > they are not paying for your treatment, they will said they have a
> > agreement with the chamber, but the fact is that the chamber will
> > charge you for the balance and you will be in lots of trouble tryng
> > to pay cash for a treatment that you were under the impression was
> > covered by your DAN insurance.
> >
> > This Information is a fact and you may want to check with any
> > Hyperbaric Chamber especially the ones in Cozumel to reconfirm this
> > information.

There are TWO different Hyperbaric Chambers in Cozumel.

Only ONE of those two is affilated with DAN. The other is run and
funded by local authorities who charges "voluntary" contributions
(charged by dive shops) of $2 per dive trip per person.

I am pretty sure the problem your buddy experienced was that s/he went
to the wrong chamber and expected DAN to be responsible for payment.

In the final analysis, the maxim of RTFM always helps.

-- Bob.

Bob,

Great post, I stand corrected.

RM

"Reef Fish" <Large_Nassau_Grouper@Yahoo.com> wrote in message
news:8fb7380b.0312091106.4c7b855a@posting.google.c om...
> "RM" <rm@nospam.tranz-it.com> wrote in message
news:<1FaBb.44333$pQ1.1256089@wagner.videotron.net >...
> > Wrong. Go to the DAN site and read up on the coverage at
> > http://www.diversalertnetwork.org/me...p/handbook.pdf
>
> "RM", that's a perfect, and the ONLY pertinent reference regarding
> DAN's policies and coverages.
>
> As such, it showed that you are BOTH (partially) correct AND
> (partially) WRONG.
>
>
> The website clearly spelled out what's covered and not covered, and
> very specific about Hyperbaric "ordinary and customary" charges of
> "up to" SEVEN Hyperbaric Chamber treatment per accident, in addition
> of other medical and physician costs.
>
> >
> > And wrong again, because a diving buddy needed hyperbaric treatment
recently
> > on a trip. It was all covered by DAN and he did not have to pay one
penny.
>
> That's probably because your buddy's treatment fell within the
> constraints of the coverage provided. Such anecdotal account adds
> nothing to what's stated in the website which IS the official
> statement of DAN's coverage under its three different plans.
>
> >
> > "Tony Castillo" <castillo@nautigirlcharters.com> wrote in message
> > news:a0ee1cb3.0312081340.74528090@posting.google.c om...
> > > I just want to let you know that DAN has decided not to pay the full
> > > treatment cost of any chamber treatment in the event you get DCS. DAN
> > > has decided to pay only 11% of the cost for the treatment in the
> > > Hyperbaric chamber. So, in reaction to this the Hyperbaryc Chamber
> > > will try to charge the balance to your medical insurance plan, or they
> > > will make you pay for it, if not covered by your medical plan.
>
> This is probably incorrect, and the 11%, even if correct, is misleading
> as stated.
>
> Yes, DAN will not pay the "full treatment" if said treatment involve
> more than SEVEN Hyperbaric Chamber rides, and/or other specs stated
> in the Coverage Policy in DAN's website (handbook) above.
>
> DAN is, and has always been, a SECONDARY insurance. Whatever diving
> accident expenses you incur, your health insurance, such as BC/BC, is
> the PRIMARY insurer that pays what it pays first, and then DAN covers
> the remainder, subject to its maximum coverage.
>
> Thus, when your buddy's treatement expenses exceeded what's covered
> by the Primary and Secondary insurances, then the patient would be
> responsible for payment of the rest out of pocket.
>
>
> > > The problem is that DAN is advertizing full insurance coverage and
> > > they are not paying for it.
>
> That's WRONG! An irresponsible and very misleading statement.
>
> Read the DAN insurance policy.
>
> NO insurance of the "health" type provides "full" coverage in the
> sense you suggested it to mean. They all have LIMITS of coverage.
> BC/BS for example, has a lifetime maximum coverage of 1 million $
> (I recall -- but I would check if that becomes an issue).
>
> That's why there are primary, secondary, tertiary, and addition
> insurances available to everyone.
>
>
> > > Be aware of this problem if you, or anyone
> > > you know, happens to get DCS. if you call Dan and ask them the reason
> > > they are not paying for your treatment, they will said they have a
> > > agreement with the chamber, but the fact is that the chamber will
> > > charge you for the balance and you will be in lots of trouble tryng
> > > to pay cash for a treatment that you were under the impression was
> > > covered by your DAN insurance.
> > >
> > > This Information is a fact and you may want to check with any
> > > Hyperbaric Chamber especially the ones in Cozumel to reconfirm this
> > > information.
>
> There are TWO different Hyperbaric Chambers in Cozumel.
>
> Only ONE of those two is affilated with DAN. The other is run and
> funded by local authorities who charges "voluntary" contributions
> (charged by dive shops) of $2 per dive trip per person.
>
> I am pretty sure the problem your buddy experienced was that s/he went
> to the wrong chamber and expected DAN to be responsible for payment.
>
> In the final analysis, the maxim of RTFM always helps.
>
> -- Bob.

Reef Fish <Large_Nassau_Grouper@Yahoo.com> wrote:
>NO insurance of the "health" type provides "full" coverage in the
>sense you suggested it to mean. They all have LIMITS of coverage.
>BC/BS for example, has a lifetime maximum coverage of 1 million $
>(I recall -- but I would check if that becomes an issue).

Blue Cross (of California), if that what you referred to, has a $5M lifetime
limit on their PPO offerings for individuals, unlimited on the HMO ones. This
is very typical of the polices available when I've look into a new source.
--
Jason O'Rourke www.jor.com

Here's a piece on Cozumel Insurance we published in Undercurrent last year. It
sets the record straight


Chamber Insurance it Isn't

If a Cozumel dive operator collects a dollar from you to buy "Cozumel
Chamber Insurance, " don't ever expect to use it. It's not insurance.

Heidi Piccolo, RN, Manager Hiperbarica de Cozumel (HDC) and Mauricio
Moreno, Manager, SSS/Buceo Medico Mexicano chamber; told us that "dollar
insurance" only ensures that the latter facility will accept your regular
insurance coverage for chamber treatments rather than request cash up front.
If you have no insurance, you will be immediately responsible for the bill.
Further, your dollar insurance pays not a peso. In fact, Hiperbarica de Cozumel
does not participate in dollar insurance, considering it a "disservice and
misleading." HDC may require cash up front, no matter whether you have "dollar
insurance."

Several shops themselves are confused regarding dollar insurance. For
example, a large, long-established and reputable shop: "We consider this
'secondary coverage,' the net effect is it helps cover deductibles. I know that
for my contribution per diver I get an adequate facility and treatment of my
clients without prior consideration of finances, but what a client receives in
exchange for the buck I pay in their name is fuzzy."

Some divers who only dive Cozumel don't carry insurance because they
believe their dollar a dive insurance covers them. They may be in for a rude
surprise. Don't dive Cozumel without a bona fide dive accident policy.

That said, a dollar from divers helps keep the chamber operating. See it
as a donation.

BenDavison <bendavison@aol.com> wrote:
> Some divers who only dive Cozumel don't carry insurance because they
>believe their dollar a dive insurance covers them. They may be in for a rude
>surprise. Don't dive Cozumel without a bona fide dive accident policy.
>
> That said, a dollar from divers helps keep the chamber operating. See it
>as a donation.

How many different donations are we paying now to visit Cozumel? In addition
to the dollar for the chamber, there is the per diem for the "Park" and the
always increasing exit tourist visa. That sort of nickel and diming makes
me think about other destinations.

--
Jason O'Rourke www.jor.com

"Jason O'Rourke" <jor@soda.csua.berkeley.edu> wrote in message
news:brbfgr$hp8$1@agate.berkeley.edu...
> BenDavison <bendavison@aol.com> wrote:
> > Some divers who only dive Cozumel don't carry insurance because they
> >believe their dollar a dive insurance covers them. They may be in for a
rude
> >surprise. Don't dive Cozumel without a bona fide dive accident policy.
> >
> > That said, a dollar from divers helps keep the chamber operating.
See it
> >as a donation.
>
> How many different donations are we paying now to visit Cozumel? In
addition
> to the dollar for the chamber, there is the per diem for the "Park" and
the
> always increasing exit tourist visa. That sort of nickel and diming makes
> me think about other destinations.

Well I think about other destinations even without the nickel and diming.
Bonaire, for instance. Two weeks and counting.