Yes, you understand correctly.So, do I understand correctly that you believe that BasicMed should allow full PPL privileges for any and all ratings and endorsements, just as Class 3 does today?
Que someone to fret about a PP flying a 747.
Yes, you understand correctly.So, do I understand correctly that you believe that BasicMed should allow full PPL privileges for any and all ratings and endorsements, just as Class 3 does today?
It sucks to get old, but I think the insurer is being prudent.Our small airport has a nice mix of younger and older pilots. We have several now 80yrs old or older and still flying and loving it.
So very recently one these pilots was given a insurance twist, which in hindsight is pretty cunning from the ins company pov.
They told him they will only insure him if he has his airman 3rd class. He will no longer be insured under his basic med.
Please forgive if this has already been discussed. Insurance company seems to found a easy out. I wonder when that age will 75, the 70, then 65, etc.
Most this age (at our field) are basic med.
Yep. Or the one that required 30 hours of tailwheel time to insure me, but when I wanted to add skis didn't care what kind I had nor that I had zero ski time and wrote the insurance equivalent of "SEND IT!" for no added premium when I asked what would be required. Or the ones that don't care that I have 14 years of zero in movement claims, but can only find a single overpriced firm willing to cover me after a straight line wind blew me off my tie downs during a storm.You mean like the underwriter who approved me to fly an Ovation with zero time in type?
Or the one who required me to get a checkout from an instructor who had 25 hours in Maules but couldn’t remember what they looked like?You mean like the underwriter who approved me to fly an Ovation with zero time in type?
Que someone to fret about a PP flying a 747.
Aviation insurance is incredibly arbitrary and not grounded in data.
That 25 hours…Or the one who required me to get a checkout from an instructor who had 25 hours in Maules but couldn’t remember what they looked like?
The other item to look at is frequency of medical exams. 3rd Class is valid for 24 months (after 40). Basic med is good for 4 years. A pilot flying under 3rd class is being "certified" every 2 years, under BasicMed every 4 years.
Not much really. They're not crazy about everything. For my third class after my hip replacement (16 years ago) I brought a looseleaf notebook filled with the full record - operative notes, discharge summaries, doctor's reports.I'm about to have a knee replaced. I can't imagine what malarky hoops the FAA would come up with
And that is the slippery slope the basicmed poo pooing, pro-insurer lackeys don't want to acknowlege. I know it rings hollow in this PMC echo chamber, but life in America has become so overpriced/currency-diluted, that the only way to live with a modicum of stability against financial ruin for most, whether it be housing [spare me the paid off go bare nonsense, american housing is mortgage driven through and through], transporstation, healthcare, and recreation... is to be able to afford insurance.With insurance companies raising rates or denying coverage with basic med makes me wonder what will happen when MOSAIC is passed? No medical, no insurance?
Well said, don't matter how rich you are because you are one serious medical event away from financial ruin in this country.And that is the slippery slope the basicmed poo pooing, pro-insurer lackeys don't want to acknowlege. I know it rings hollow in this PMC echo chamber, but life in America has become so overpriced/currency-diluted, that the only way to live with a modicum of stability against financial ruin for most, whether it be housing [spare me the paid off go bare nonsense, american housing is mortgage driven through and through], transporstation, healthcare, and recreation... is to be able to afford insurance.
Are insurance companies raising rates for basic med?With insurance companies raising rates or denying coverage with basic med makes me wonder what will happen when MOSAIC is passed? No medical, no insurance?
Aviation insurance notwithstanding, I think about every other insurance I carry is at pretty reasonable rates. I obviously don’t live in CA, FL or LA.And that is the slippery slope the basicmed poo pooing, pro-insurer lackeys don't want to acknowlege. I know it rings hollow in this PMC echo chamber, but life in America has become so overpriced/currency-diluted, that the only way to live with a modicum of stability against financial ruin for most, whether it be housing [spare me the paid off go bare nonsense, american housing is mortgage driven through and through], transporstation, healthcare, and recreation... is to be able to afford insurance.
That makes insurers your de facto government and regulators in practice, since economic discrimination is a legal form of. LSA/MOSAIC ingénues are about to find that out the hard way at the rate we're going. Keep thinking this is an outlier problem, file that under the eff around and find out. Zuerst kamen sie....
The difference is that auto insurance is mandatory and regulated. And yes, bigger pool.I still think that a medically handicapped individual driving a 5000 lbs truck, in case of a catastrophic accident, is more likely to cause serious harm ( both financial and medical ) driving on a busy city street or a highway than a similar person crashing his 172 on what most likely would be an empty field or some other remote location … do we see spiking insurance premiums for such drivers or are such scenarios normally absorbed and distributed across what is ultimately an extremely large pool of insured drivers ?
I still think that a medically handicapped individual driving a 5000 lbs truck, in case of a catastrophic accident, is more likely to cause serious harm ( both financial and medical ) driving on a busy city street or a highway than a similar person crashing his 172 on what most likely would be an empty field or some other remote location … do we see spiking insurance premiums for such drivers or are such scenarios normally absorbed and distributed across what is ultimately an extremely large pool of insured drivers ?
Why shorten it? Don’t undo all the effort that went into us getting this. Screw the insurance companies.Would anyone care if basic med went to two years instead of 4?
I kind of see the the insurers side on that part
Ultimately, most people prefer to live, so they don’t fly when they are under the weather…right?
Yet the FAA data does not show a significant difference in medical incidents between BasicMed and Class 3 medical holders.Let’s be real - basicmed hides a lot of things that someone /could/ fail on for a medical.
My insurance rates went DOWN for a couple of years after transitioning to Basic Med. Basically, my insurer just doesn't care about whether I am on Basic Med or a Class 3 medical. I think they do care about my age and annual hours. Increases in the latter are a positive, but the former probably not.Are insurance companies raising rates for basic med?
I wouldn't mind. I see my physician every year to discuss overall health issues, and often obtain a fresh Basic Med signoff every year or two anyway during my annual. I don't have any disqualifying health issues, and my PCP is well aware of medications I must avoid as a pilot (like sedating antihistamines for allergies), so we work together to keep me flying. At a fraction of the cost and paperwork of a class 3 medical.Would anyone care if basic med went to two years instead of 4?
I kind of see the the insurers side on that part
Ultimately, most people prefer to live, so they don’t fly when they are under the weather…right?
Thanks - that's the point I was trying to get at with my earlier question.
I had a doc a few years back who refused to sign off on my racing license without running a treadmill stress test, and it's also part of our basic annual exec physical, as is a complete blood screening panel. That's definitely not a Class 3 requirement, last I checked. If I went to either of those two docs to get a BasicMed signoff, they're going to be more stringent before approving than my AME would be.
This is still very rare and only seems to apply to older pilots.
So what are we really accomplishing?
FTFYBut the reality is that after a Basic Med or Class 3, or 2 or 1 medical, we are all self-certifying anyway until the next time.