ErinMuffins
Junior Member
What is the name of your state? OH
Hello, and thanks in advance for any input. This is a very exciting time in my life. I am a double foot amputee due to a congenital birth defect and tomorrow I will be reciving a new set of prosthetic legs. I am 25 years old, and in the past, my legs have been somewhat inexpensive (apx $20,000 replacement cost). They have traditionally been a fiberglass socket and a stationary foot, that more a less acted as stilts for me to appear normal with.
The legs I am reciving tomorrow are very different. They have mechanical feet and the cost of the legs is just shy of $70,000. I feel like the luckiest gal in the world as my private health insurance is among the only group to agree to pay for these feet! They should improve my mobilty greatly, and I am so happy.
A couple weeks ago, it was suggested to me to look into insuring my legs. I never had in the past because they were relatively inexpensive, however now I would be hard pressed to come up with 70 grand to replace my legs should they be lost in a fire or natural disaster. I called my current insurance company (Allstate) and was told they will not insure any medical equipment. This seems a little odd to me. I called around and got what felt to me an outrageous quote of $5600 a year premium to insure these legs with a $1000 deductible (from the one company that would quote me, many turned me away claiming not to insure medical equipment). I would really rather not take out a part time job in order to insure my legs against the possibility of being lost in a fire.
I looked on an amp forum, and have not been able to reach another person who has insured their prosthetics, so I am wondering if I am mising something here. My premium for renters insurance is currently $250 a year for $25000 insurance on my homes contents, so I would logically hope that my yearly premium ended up around $1000 a year, which is really all I can afford. Why is it so much more expensive to insure my prosthesis and is there anything I can do to reduce the cost? Is there any way I could compell Allstate to give me a rider on my existing insurance for the prosthesis? Is it really a good idea for me to bother insuring the legs at all with such a great cost?
Thanks again for any info!
Hello, and thanks in advance for any input. This is a very exciting time in my life. I am a double foot amputee due to a congenital birth defect and tomorrow I will be reciving a new set of prosthetic legs. I am 25 years old, and in the past, my legs have been somewhat inexpensive (apx $20,000 replacement cost). They have traditionally been a fiberglass socket and a stationary foot, that more a less acted as stilts for me to appear normal with.
The legs I am reciving tomorrow are very different. They have mechanical feet and the cost of the legs is just shy of $70,000. I feel like the luckiest gal in the world as my private health insurance is among the only group to agree to pay for these feet! They should improve my mobilty greatly, and I am so happy.
A couple weeks ago, it was suggested to me to look into insuring my legs. I never had in the past because they were relatively inexpensive, however now I would be hard pressed to come up with 70 grand to replace my legs should they be lost in a fire or natural disaster. I called my current insurance company (Allstate) and was told they will not insure any medical equipment. This seems a little odd to me. I called around and got what felt to me an outrageous quote of $5600 a year premium to insure these legs with a $1000 deductible (from the one company that would quote me, many turned me away claiming not to insure medical equipment). I would really rather not take out a part time job in order to insure my legs against the possibility of being lost in a fire.
I looked on an amp forum, and have not been able to reach another person who has insured their prosthetics, so I am wondering if I am mising something here. My premium for renters insurance is currently $250 a year for $25000 insurance on my homes contents, so I would logically hope that my yearly premium ended up around $1000 a year, which is really all I can afford. Why is it so much more expensive to insure my prosthesis and is there anything I can do to reduce the cost? Is there any way I could compell Allstate to give me a rider on my existing insurance for the prosthesis? Is it really a good idea for me to bother insuring the legs at all with such a great cost?
Thanks again for any info!
