• Welcome to the Chronicle Forums.
    Please complete your profile. The forums and the rest of www.chronofhorse.com has single sign-in, so your log in information for one will automatically work for the other. Disclaimer: The opinions expressed here are the views of the individual and do not necessarily reflect the views and opinions of The Chronicle of the Horse.

Announcement

Collapse

Forum rules and no-advertising policy

As a participant on this forum, it is your responsibility to know and follow our rules. Please read this message in its entirety.

Board Rules

1. You’re responsible for what you say.
As outlined in Section 230 of the Communications Decency Act, The Chronicle of the Horse and its affiliates, as well Jelsoft Enterprises Ltd., the developers of vBulletin, are not legally responsible for statements made in the forums.

This is a public forum viewed by a wide spectrum of people, so please be mindful of what you say and who might be reading it—details of personal disputes are likely better handled privately. While posters are legally responsible for their statements, the moderators may in their discretion remove or edit posts that violate these rules. Users have the ability to modify or delete their own messages after posting, but administrators generally will not delete posts, threads or accounts upon request.

Outright inflammatory, vulgar, harassing, malicious or otherwise inappropriate statements and criminal charges unsubstantiated by a reputable news source or legal documentation will not be tolerated and will be dealt with at the discretion of the moderators.

2. Conversations in horse-related forums should be horse-related.
The forums are a wonderful source of information and support for members of the horse community. While it’s understandably tempting to share information or search for input on other topics upon which members might have a similar level of knowledge, members must maintain the focus on horses.

3. Keep conversations productive, on topic and civil.
Discussion and disagreement are inevitable and encouraged; personal insults, diatribes and sniping comments are unproductive and unacceptable. Whether a subject is light-hearted or serious, keep posts focused on the current topic and of general interest to other participants of that thread. Utilize the private message feature or personal email where appropriate to address side topics or personal issues not related to the topic at large.

4. No advertising in the discussion forums.
Posts in the discussion forums directly or indirectly advertising horses, jobs, items or services for sale or wanted will be removed at the discretion of the moderators. Use of the private messaging feature or email addresses obtained through users’ profiles for unsolicited advertising is not permitted.

Company representatives may participate in discussions and answer questions about their products or services, or suggest their products on recent threads if they fulfill the criteria of a query. False "testimonials" provided by company affiliates posing as general consumers are not appropriate, and self-promotion of sales, ad campaigns, etc. through the discussion forums is not allowed.

Paid advertising is available on our classifieds site and through the purchase of banner ads. The tightly monitored Giveaways forum permits free listings of genuinely free horses and items available or wanted (on a limited basis). Items offered for trade are not allowed.

Advertising Policy Specifics
When in doubt of whether something you want to post constitutes advertising, please contact a moderator privately in advance for further clarification. Refer to the following points for general guidelines:

Horses – Only general discussion about the buying, leasing, selling and pricing of horses is permitted. If the post contains, or links to, the type of specific information typically found in a sales or wanted ad, and it’s related to a horse for sale, regardless of who’s selling it, it doesn’t belong in the discussion forums.

Stallions – Board members may ask for suggestions on breeding stallion recommendations. Stallion owners may reply to such queries by suggesting their own stallions, only if their horse fits the specific criteria of the original poster. Excessive promotion of a stallion by its owner or related parties is not permitted and will be addressed at the discretion of the moderators.

Services – Members may use the forums to ask for general recommendations of trainers, barns, shippers, farriers, etc., and other members may answer those requests by suggesting themselves or their company, if their services fulfill the specific criteria of the original post. Members may not solicit other members for business if it is not in response to a direct, genuine query.

Products – While members may ask for general opinions and suggestions on equipment, trailers, trucks, etc., they may not list the specific attributes for which they are in the market, as such posts serve as wanted ads.

Event Announcements – Members may post one notification of an upcoming event that may be of interest to fellow members, if the original poster does not benefit financially from the event. Such threads may not be “bumped” excessively. Premium members may post their own notices in the Event Announcements forum.

Charities/Rescues – Announcements for charitable or fundraising events can only be made for 501(c)(3) tax-exempt organizations. Special exceptions may be made, at the moderators’ discretion and direction, for board-related events or fundraising activities in extraordinary circumstances.

Occasional posts regarding horses available for adoption through IRS-registered horse rescue or placement programs are permitted in the appropriate forums, but these threads may be limited at the discretion of the moderators. Individuals may not advertise or make announcements for horses in need of rescue, placement or adoption unless the horse is available through a recognized rescue or placement agency or government-run entity or the thread fits the criteria for and is located in the Giveaways forum.

5. Do not post copyrighted photographs unless you have purchased that photo and have permission to do so.

6. Respect other members.
As members are often passionate about their beliefs and intentions can easily be misinterpreted in this type of environment, try to explore or resolve the inevitable disagreements that arise in the course of threads calmly and rationally.

If you see a post that you feel violates the rules of the board, please click the “alert” button (exclamation point inside of a triangle) in the bottom left corner of the post, which will alert ONLY the moderators to the post in question. They will then take whatever action, or no action, as deemed appropriate for the situation at their discretion. Do not air grievances regarding other posters or the moderators in the discussion forums.

Please be advised that adding another user to your “Ignore” list via your User Control Panel can be a useful tactic, which blocks posts and private messages by members whose commentary you’d rather avoid reading.

7. We have the right to reproduce statements made in the forums.
The Chronicle of the Horse may copy, quote, link to or otherwise reproduce posts, or portions of posts, in print or online for advertising or editorial purposes, if attributed to their original authors, and by posting in this forum, you hereby grant to The Chronicle of the Horse a perpetual, non-exclusive license under copyright and other rights, to do so.

8. We reserve the right to enforce and amend the rules.
The moderators may delete, edit, move or close any post or thread at any time, or refrain from doing any of the foregoing, in their discretion, and may suspend or revoke a user’s membership privileges at any time to maintain adherence to the rules and the general spirit of the forum. These rules may be amended at any time to address the current needs of the board.

Please see our full Terms of Service and Privacy Policy for more information.

Thanks for being a part of the COTH forums!

(Revised 1/26/16)
See more
See less

Insurance coverage for Shockwave/Stem Cell treatments?

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Insurance coverage for Shockwave/Stem Cell treatments?

    Does anyone know if a 'standard' mort/med/surg insurance policy covers newer treatments such as shockwave, IRAP, Stem cell??
    What has your experience been? Thanks!

  • #2
    Depends on the policy- it just varies too much to make a blanket statement
    That being said mine has covered for me and covers under most circumstances shock wave, PRP, stem cell and an MRI
    There is something about the outside of a horse that is good for the inside of a man.(Churchill)

    Comment


    • #3
      Ours covered IRAP and shockwave, havent done anything with stemcell.

      Comment


      • #4
        I have Markell, and they've covered IRAP and stem cell.

        Comment


        • #5
          I'd give your claims adjuster a jingle. You have to notify them of the injury anyway, so that would also be a good time to ask about coverage. You should also read your policy to double-check whatever the adjuster tells you.

          Mine covered $1,200 in shockwave and would have covered IRAP and stem cell as well if we had chosen to do it.

          Comment


          • #6
            Mine covered MRI and shockwave (there are two kinds, one that is more coverable), but not IRAP since its use on soft tissue was considered "experimental." In the end, it didn't matter since I ended up exceeding my $7500-dollar limit that year anyway. Know of cases (not my horse, not my insurance company) where it's paid for stem-cell and PRP.

            One thing to watch out for is that they don't talk you into closing the claim before you're ready to. B/c then if there's a recurrence it becomes a new claim, with a new deductible and possibly no coverage b/c of a pre-existing condition.
            The Evil Chem Prof

            Comment


            • #7
              Mine expressly lists those items in the policy as coverage up to $1200 per injury. Check your policy- they might be in yours too.

              Comment


              • #8
                Who does everyone use? I need to get a new medical policy for my horse.

                Thanks!
                FREE TACK/APPAREL ADS: BITS AND BARTER BOARD: http://bitsandbarter.proboards.com/i...ay&thread=5450

                Comment


                • #9
                  I'm with American Livestock. I expected to get Great American as my agent uses them a lot, but apparently there is a higher deductible and a co-pay on their new policies this year, so she advised against it.

                  Comment


                  • #10
                    Mine is covering the mare's current PRP and IRAP therapies. I have AIG insurance. So far, they've been great!

                    Comment


                    • #11
                      Originally posted by joiedevie99 View Post
                      I'm with American Livestock. I expected to get Great American as my agent uses them a lot, but apparently there is a higher deductible and a co-pay on their new policies this year, so she advised against it.

                      That is who I want to switch from actually!!
                      FREE TACK/APPAREL ADS: BITS AND BARTER BOARD: http://bitsandbarter.proboards.com/i...ay&thread=5450

                      Comment


                      • #12
                        Hallmark Horse.
                        The Evil Chem Prof

                        Comment


                        • #13
                          Originally posted by naters View Post
                          That is who I want to switch from actually!!
                          What don't you like about American Livestock? Just curious- I've only had them for a few weeks.

                          Comment


                          • #14
                            I have had 2 insurance companies cover 2 seperate suspensory injuries. In 2003 my horse had a high front suspensory injury and my insurance company paid for US and shockwave. When that company stopped insuring horses, I went with The Equine Insurance Center who insured my horse with GAIG. The same horse ended up with a low hind suspensory injury a couple of years ago and GAIG paid for therapeutic US, then Stem Cell. My vet suggested PRP first, but GAIG wouldn't cover it since it is considered experimental. The stem cell is significantly more, but since it has been around longer the insurance company agreed to pay for it.

                            Comment


                            • #15
                              I have Great American (but like someone said, they are changing the deductibles and co-pays this year, so I'm probably going to shop around before renewing). I have had them pay for shockwave (max of 3 treatments per injury, $400 each, so total $1,200 limit) and PRP (I think it was a $700 limit). If it influenced my decision on what treatment course to follow, I would check with the insurance company ahead of time to find out what the coverage is.

                              Comment


                              • #16
                                Originally posted by horsepoor View Post
                                I have Great American (but like someone said, they are changing the deductibles and co-pays this year, so I'm probably going to shop around before renewing). I have had them pay for shockwave (max of 3 treatments per injury, $400 each, so total $1,200 limit) and PRP (I think it was a $700 limit). If it influenced my decision on what treatment course to follow, I would check with the insurance company ahead of time to find out what the coverage is.

                                Ditto this.. Let me know what you find, I am doing the same as you!!
                                FREE TACK/APPAREL ADS: BITS AND BARTER BOARD: http://bitsandbarter.proboards.com/i...ay&thread=5450

                                Comment


                                • #17
                                  I use broadstone and this past year they covered shock wave ($600) and stem cell ($2200) fully. I had one $325 deductable at the beginning of my claim..
                                  I was very happy with them and they were very easy to deal with

                                  Comment

                                  Working...
                                  X