1-Year Crashiversary, Health Insurance Update, and I Went to a Bike Protest
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- Опубліковано 16 жов 2024
- More produced videos coming soon, but first lets hang out in my kitchen and catch up on life for a few minutes.
For more about the protest click here: / strava
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Phil, big respect for saying how you feel. Hell with the haters.
Totally agree.
I was going to say DON'T READ THE COMMENTS
Huge respect for putting yourself out, Phil.
Hold your line, but DO NOT stay in your lane. Big ups here for being on the right side of history.
It's your channel, talk about whatever you want. We appreciate the real life talk!
As usual- thanks for keeping it real and telling your truth Phil. This kind of video is one of the main reasons I'm subscribed. Lets all donate more to No Kid Hungry!
Hey Phil - Just wanted to share a bit of advice and insight on your health bill saga. I am a physician that works both in the ER and doing hospital medicine. First of all, I don't think it is a great plan to just avoid the situation. Ultimately, those hospitals will likely send those bills to collections agencies and things have the potential to turn very ugly. Even if they don't send to collections, they will report to credit reporting agencies. Second, it is an absolute travesty and oversight that your hospital stay(s) was classified as "outpatient" and that your insurer is not seeing this as emergency care. Accidents with far, far less severe mechanism and injuries are routinely classified as "trauma," and based on the injuries you described, I believe you clearly should have qualified as an inpatient. Additionally, if the initial hospital was unable to provide appropriate care, they should have transferred you to a facility that had the appropriate resources. I believe you opened yourself up to a bit of a conundrum by leaving one hospital and going to another, but ultimately you were just doing what you needed to do to get appropriate emergency care. The hospitals should clearly re-classify those stays as inpatient, and your insurer should clearly pay for appropriate emergency care. I really believe that the right lawyer with expertise in this area could sort this out for you, and I'd be willing to bet that the providers who cared for you would admit that they (or their billers) messed up in classifying your stays as "observation." I am sure you have ample resources and folks willing to help you and I am hardly an expert in this field, but if you want to discuss this via phone, I would be more than happy to do so. To be honest, I am amazed that it hasn't been sorted out already. Send me a message if you'd like to connect.
Thanks for continually sharing your thoughts. Don't let anyone slow you down.
Come to the UK to have the removal of clavicle plate, it would not cost much approx $2000, with no overnight stay in hospital. Would have to wait until corona has subsided though
OMG! I'm so glad that I live in Germany because of our obligatory health insurance. I mean, as a bike rider you're always at the risk of crashing with severe injuries. Without health insurance coverage you suddenly have a bunch of debts you might not be able to pay back in a lifetime. I wish you all the best.
America is so damn backwards
@@15idog Yeah because I should have to work hard to pay taxes to cover someones medical bill that doesn't know how to ride a track bike. Sounds awesome
@@dustrod9244 yeah you should! Everyone is better off if we all help eachother.
@@dustrod9244 yes, because it's the desent thing to do and if done right it's cheaper in the long run.
@@dustrod9244 Let me guess, you're one of the people that thinks people from Canada and Europe are flocking to the US to get 'better healthcare'. Oh right.... no one is doing that. If our healthcare was so good over here why don't other countries copy our methods? There are countries more wealthy, and less wealthy, than the US that have universal healthcare and no one in those countries look at what we have and think it's better. It's time for a change over here to provide our people with better healthcare and also education. The bs view of 'competition lowers prices' has never worked.
Thanks the update, massive respect, loving the videos and the art.
You are awesome Phil! Glad you are still here and biking. I appreciate you!
Thanks for being so public about your personal healthcare issues. For those of us who have never been through something like that, it makes the challenge easier to understand.
I think you're doing the right thing when you put yourself out there. 👍
Ur a breath of fresh air my friend....
I'm the guy Phil is talking about that thanked him for speaking up on his IG. You are a prominent voice in the cycling community, we admire you, and the rest of us amatuers look up to you more than you may believe. Greg LeMond got knocked down to 2nd of my all time favorite cyclist after you spoke up. Thanks brother.
Thanks Phil .. I appreciate hearing your view on BLM & I stand with you as well !! Hope the insurance issue gets cleared up soon ..
Looking forward to more cycling too .. Take care & stay safe
It was powerful to roll through central LA with you all. Truly reenergizes me after weeks of mental struggles with all that is going on. Bummer for the plates on the shoulder. Those are so uncomfortable.
Phil - Vancouver. Velofix. Mt. Seymour. Cypress. Whistler. And a medical system that makes sense. Come on up! (O.K., not quite as warm and sunny as L.A., but...)
I admire and believe firmly in your balanced views and content....don't change
Keep on keeping on Phil ... bike crazy et.al ... It's all welcome.
Completely agree with your thoughts on distraction, if ever there was a time to focus the collective attention this seems the moment.
Thank you, as always, for your respect and openness.
Keep on keeping on Phil. You are a huge inspiration
Black lives matter. Protesting matters. Calvin and Hobbes matters. Training matters. Resting matters. Medical bills matter. Your health matters. Racists do not matter. I really think you have your house in order. ‘In life, I have one simple desire. To tear down the sky.’ (Alberto Tomba)
Your doing a great job balancing content and life. That is truly what most of us are here for, to get to know “you”. Phil, the person and cyclist. Keep up the good work man!
Great stuff. “Please yourself and be understanding” is a fine attitude that I am going to adopt it.
Always happy to hear your perspective on things Phil. Distractions are fine, but I think society tends to try to distract itself whenever something uncomfortable comes along. And right now, a lot of us need to be a little uncomfortable and hear things we might not want to hear. If we keep letting ourselves be distracted then nothing will change
Love how real you keep it Phil, both in cycling and on real world topics. Lots of respect and lots of support! ✊🏻🍪
Love Calvin and Hobbes! Sorry to hear about the insurance thing. Being from Europe it's confusing to hear the sum of money you are talking about. I'm sure it would almost be cheaper if you get it removed here...just an idea. Also I really appreciate your honest and spot on view on all present topics. You're really a great person/UA-camr and of course bike rider. Peace.
I appreciate you keeping it light.
But sometimes issues can't be ignored?
Well said Phil. Keep up the good work and stay positive.
Keep doing what you do Phil. I and many others appreciate it. BTW, Lachlan Morton just raised the bar.
Man for me subjectively, I went from being interested to having sympathy for you and your work here, after you shared some of your thoughts regarding certain delicate topics. Keep it up 👍 thanks for being entertaining and motivating at the same time. And good luck with your insurance. Watching out of Germany it sounds truly ridiculous. Must be a lot of pressure. Fingers crossed 🤞
Thank you for trying to make the world a better place!
I come here for cycling crazy! 😜 Keep doing what you are doing. Mad respect.
"Thank you for the politics" (politics is everyone's lane)
Appreciate your opinion man. Thanks for putting yourself out there and being vulnerable.
Finding out you’re a Calvin and Hobbes fan is the icing on the retirement cake! Keep up the great work. Those hospital bills are insane and I’m really sorry that you’re dealing with that.
I watch your channel because of your humor and watching you putting serious watts down... stay true who you are! 🙌
I read an article several years ago that hospital treatment in rural areas are 1/10 the cost of hospitals in the big metro areas.
Thanks for speaking up!
Definitely keep doing like you're doing.
Great video as usual. It's your channel, talk about whatever the heck you want. Those that care will watch.
With regard to the hospital bills, would hiring a public adjuster be an option? I do t know if they help in those type of claims as I'm Canadian and here PA typically do property claims only
I cannot imagine what I watch your UA-cam channel for (and bought both your books) if not your opinion.
Take a rest week! You’ve earned it. Now you have to beat Lachlan “Lachy” Morton’s Everesting record. Good luck wit dat.
Phil, we really enjoy hearing about your cycling life.
Well said, well said.
225k of debt after a bike accident... Crazy 1st world country.
“Your lane” is whatever you want it to be. Keep it up!
Just come to Australia and get it sorted.
I come to watch you for who you are: An awesome cyclist and a great guy to listen to. Keep being who you are, no one else.
This is your platform. YOU get to decide what you post. Yes, we came here for the bike stuff, but it's OK for you to talk about all the important things going on. Don't let the haters get to ya.
You train your hardest to compete for your country in the Olympics, crash and injured trying, and go in debt for doing so. You represent your country well unfortunately.
On the topic of covering issues outside of cycling and the pandemic. The lack of mainstream professional sports during the pandemic has enabled us to reckon with our issues without distraction. This is an opportunity for those with their heads in the sand to realize what’s holding us back and why we need to change. You have a great platform and I think you address things with a lot of humility and balance. Thank you.
Don’t see much negative here. Keep it up Phil, it’s you!
Phil - driving by a retirement village my son who watches every video you do says “mom is Phil actually allowed to live there since he’s retired?” By the way he loves this particular retirement village; and can’t wait to “retire” so he can live there.
They’d probably go to bed too late for me
My 89 year old grandmother living on Social Security tosses out the bills she gets in the mail from her hospital stays. No one has ever shown up at her door to try and collect. She's the toughest person I know, so I pity the person who tries to.
Hey Phil, why isn't Chapter 13 bankruptcy possible? You would get to keep any property you live in and enter in a payment plan for the medical debt over 3-5 years with the remainder of the debt waived at the end of that period
Hang in there man, it will work out over time.
Keep it up. It's your channel. Talk about things that are important to you. If people don't like it, they can suck it. You know how to steer your bike!
New bike advice subject: Getting dispersed by police when you brought your bike with you to a demonstration. Worth it for the mobility in busting home? Or not worth it cause then you have to worry about an extra thing. So far my thought is worth it. Great video, and I love Calvin & Hobbes.
Great stuff as always Phil ✊🏾
Just. Thanks man!
You do you Phil! We're here for you. Not just bikes. We can get that anywhere.
I am a subscriber. I found your video informative. I also have a cycling oriented channel, in which I stay away from politics. Still, I would love to have an interview with someone who can challenge, cause me to modify and or refine my views in both areas you spoke of. Keep them coming!
And stand by your convictions. Cycling is something a lot of people can share regardless of stripes, so it's good to keep the sport central cause it's fundamentally bridgebuilding.
Hey, I think your stance is great. One of the important things about cycling for me is it connects you to your community better than most other hobbies/modes of transport. You cycle through your towns, your neighbourhoods, and your beautiful spaces, and it's impossible not to absorb some of that. It connects you to people. Cyclists are engines for change. We are not only turning cranks to escape our lives, we turn cranks to improve our lives and those of the people we share our space with. Less pollution, more equality, more compassion. Peace and pedals Phil, Peace and pedals. You do a great job blending all the things that make us cyclists, yes, but humans too. Also, your medical bill is bullshit!! The medical 'system' is just another thing that needs to change for everyone to be better off.
You had me at Calvin and Hobbes. Grew up reading that comic strip. I’ll be waiting for your Calvin and Hobbes Wall Art Charity Auction!! Well said sir on the politics.
I admire the way you are able to compartmentalize the insurance problem, that would drive me nuts. I know you won't do it yourself, but has anybody suggested a gofundme page to help out with your bills?
Keep advocating for what is right, we can let people tell us this shouldn’t be talked about. Exactly, we can’t and shouldn’t be distracted!
Used to read Calvin and Hobbes in the backseat of my parents minivan during road trips.
Phil, just keep doing your thing!
Wow I commented before you want on about C and H amazing! a perfect ten year comic strip. My fav as well I knew there was a reason I followed your channel Phil!!
I'm here for Phil Gaimon, whatever that is I'll tune in and support. I am also here for KOMs but Phil first
My plate is sitting on my coffee table right now. Had it taken out a week ago. I think I destroyed my collar bone racing a local mtb race like a few weeks before you ate @#$% at the velodrome. Mine stayed sore and stuck out noticeably so I'm glad to have it out. Unfortunately I had to have a SLAP tear repaired at the same time so both shoulders are jacked up right now.
sorry to hear about the health insurance issue. I know someone personally who owned the hospital over 100k usd. This person had basically no money and no chance of really paying that back in anyway. The hospital just gave up, don't ask me how that works.
I'm here for Phil crazy!
Does your insurance not have a maximum out of pocket where everything is covered after that amount? That would definitely be one thing to check for.
Knew I wasn't the only one who learned how to read on Calvin and Hobbes! Basically had them all memorized
People in the comments complaining about you talking about the state of the world are forgetting that you’ve been raising money to help feed underprivileged kids for a while. I respect that you’re willing to speak your mind on these issues
Those Calvin and Hobbs framed strips 😍😍😍
Don't be grumpy Phil you're doing a great job. 👍
I judge based on intent. I am proud of you sir!!!!
Speak up brother, love what your doing.
What's the point of staying in your lane if the other guy forces you onto the shoulder?
Great idea with Calvin art!
well said. respect.
I love your opinion Phil. Please keep sharing it. Let the haters hate meanwhile I’ll be riding and smiling.
Hey Phil, you're a cycling "personality" we come here for your grit, character, and stupidity. Never change.
Hell yeah dude 🙌🏽🙌🏽🙌🏽 perfect
I enjoy your videos. Thank you for posting them.
Unfortunately, regarding the bills, they will probably punt the debt to third party collections and really screw up your credit. I’ve been in a similar situation while working in a coffee shop and paid $50 a month for many months. Good luck!
since the Olympics are being pushed off until next year are you going to try and qualify for them?
Its your channel you do what you want!. No one is forced to watch it.
I‘m from Europe, Germany. I was very confused about the political „non Statements“ on Every other UA-cam Bike Channel That I Subscribed to. How can they Continue with entertaining Content Whith all These Riots and Fires going on every Night? Without making any Comment. Is ist about Losing Subscribers. Fearing Consequences in the Social Medias for representing a Position. Don‘t get me wrong - a UA-cam Bike Channel is Not A News Show and don‘t have to. But though...Your Sympathetic Words were a kind of Relief for me. Thank You Phil.
I liked the "empty toilet roll chat" name. You should consider keeping it.
We aren’t here for bikes, we are here for Phil. Talk about whatever u like dude 👍👍 plus if I ever come into money I am 100% paying your medical bills off
Keep this awesome attitude, Phil. Just ready your book Draft Dogs and I know you can handle this. If you start a GoFundMe to help with this insurance B.S. I will 100% be donating and I know a lot of others will too.
Thanks but nobody should pay these assholes. I’d rather you donate to my no kid hungry link and I’ll fight the hospitals
A year after I broke one bone I gained 10 pounds and lost 30 watts. You are a beast
Phil, I don’t mind you talking about politics sometimes, but also bring the bike crazy.
As to your insurance dilemma, wait for it to go to a collection agency. They buy big blocks of debt for pennies on the dollar, they hound you feverishly to collect it. After a few years make them an offer, say 25grand , they will come back with a counter, negotiate , agree then pay off the reduced amount.
any cyclist knows, when someone tells you to "stay in your lane" it's usually an asshole in a pickup truck, and while the safest response might be to cower close to the curb, the most satisfying is to sit in that car lane and let him fume at you
I'd say don't think too much about pleasing your viewers since obviously an overwhelming portion is very happy with your content considering the like/dislike ratios. So as you said, you might not have the biggest subscriber count due to not being that flashy or expressing opinions once in a while, but the ones that do watch your stuff are glad about it.