BillP
Senior Member
Short version: DAN insurance does cover recompression treatments for missed deco stops in asymptomatic divers.
Long version: In the discussion on Mia Tegner's tragic death after apparently surfacing and then descending to complete a missed decompression stop (see http://www.scubaboard.com/showthread.php?threadid=511&pagenumber=1 ), several people on the Rodale's board questioned whether it wouldn't be wiser to just skip the deco stop and go to a chamber for evaluation (and treatment if necessary) when you miss a mandatory deco stop. With PADI starting their DSAT Tec program and more and more divers doing decompression dives, I have a feeling that this issue will come up sooner or later.
Since the issue is bound to come up eventually, I wondered if DAN insurance covered "prophylactic" recompression treatments in asymptomatic divers for missed decompression stops- ie is a missed deco stop a "covered diving accident" even if the diver has no signs or symptoms of a decompression illness, and is the resultant evaluation and treatment a covered service under the insurance?
After contacting DAN by email 1/10/01 and being routed through several people, I finally got an answer from "Pam" in DAN's underwriter's provider relations department today. (Seems that the question has never come up before.) She tells me that prophylactic recompression treatments in asymptomatic divers for missed decompression stops is indeed a covered service under DAN insurance.
I'm sure that you still have to meet DAN's other requirements for coverage (eg.- if possible notifying DAN before seeking treatment for authorization and referral for treatment, not having descended below 130' with the Standard Plan, etc.) but it's good to know that the coverage is available if you decide to seek treatment.
If you have a dive accident insurance plan other than DAN's and you might be doing decompression diving, you might want to check it out with your insurer to be sure that you're covered.
HTH,
Bill
Long version: In the discussion on Mia Tegner's tragic death after apparently surfacing and then descending to complete a missed decompression stop (see http://www.scubaboard.com/showthread.php?threadid=511&pagenumber=1 ), several people on the Rodale's board questioned whether it wouldn't be wiser to just skip the deco stop and go to a chamber for evaluation (and treatment if necessary) when you miss a mandatory deco stop. With PADI starting their DSAT Tec program and more and more divers doing decompression dives, I have a feeling that this issue will come up sooner or later.
Since the issue is bound to come up eventually, I wondered if DAN insurance covered "prophylactic" recompression treatments in asymptomatic divers for missed decompression stops- ie is a missed deco stop a "covered diving accident" even if the diver has no signs or symptoms of a decompression illness, and is the resultant evaluation and treatment a covered service under the insurance?
After contacting DAN by email 1/10/01 and being routed through several people, I finally got an answer from "Pam" in DAN's underwriter's provider relations department today. (Seems that the question has never come up before.) She tells me that prophylactic recompression treatments in asymptomatic divers for missed decompression stops is indeed a covered service under DAN insurance.
I'm sure that you still have to meet DAN's other requirements for coverage (eg.- if possible notifying DAN before seeking treatment for authorization and referral for treatment, not having descended below 130' with the Standard Plan, etc.) but it's good to know that the coverage is available if you decide to seek treatment.
If you have a dive accident insurance plan other than DAN's and you might be doing decompression diving, you might want to check it out with your insurer to be sure that you're covered.
HTH,
Bill