Insurance Information
Dear Student Athletes and Parents:
Comprehensive Intercollegiate Athletic Insurance is provided by the college for the benefit of our student-athletes. This coverage is for all injuries resulting from a specific accident occurring during regular season practice, play or travel of the student’s particular sport.
Coverage is provided on an EXCESS basis. That means that should an injury occur which requires medical attention outside our Athletic Training Facility, any claims for reimbursement of medical expenses incurred by the athlete must first be submitted to your primary insurance. If a balance remains after your primary insurance company has processed the bill, or the claim is denied, please send a copy of ALL itemized bills and the Explanation of Benefits (EOB) paid statement from your insurance company (or a copy of the denial letter) to the College Athletic Training Facility. The Athletic Training Staff will assist you in submitting the claim to the insurance company for processing. Prompt submission is your responsibility.
This accident insurance does not cover (1) injuries sustained prior to the athlete attending the college (2) medical expenses incurred due to sickness or illness (3) injury not directly related to official practice play, or travel for the sport.
Every student-athlete must have physical examination by a physician designated by the Goldey-Beacom College Athletic Training Staff before they may participate in any NCAA sport at Goldey-Beacom College. Athletes must check with the Athletic Training Staff as to the date and times of exams. ALL ATHLETIC PHYSICALS WILL BE UPDATED ANNUALLY. At this time the athlete must report any irregularities or recent surgery to the physician and Athletic Trainer. This would include any disabilities such as vision, hearing and oral defects. FAILURE TO REPORT THESE DISABILTIES WILL RESULT IN THE STUDENT-ATHLETE ASSUMING FULL RESPONSIBLITY FOR ANY INJURIES INCURRED DUE TO PRIOR DISABILITIES.
The student-athlete is responsible to report ALL injuries to the Athletic Training Staff as soon as possible. In order to maximize the probability of insurance coverage, the athlete will at NO time seek outside medical attention for an athletic related injury without prior consultation from the Athletic Training Staff except in the case of an emergency. In the case of HMO policies, every effort will be made to follow the specific referral procedures for the student-athlete. This may require the student-athlete to return home for an appointment with HMO participating physicians.
The Athletic Training Room hours will be established for each team. Failure of any injured athlete to keep treatment and/or rehabilitation appointments will be interpreted as the athlete’s unwillingness to cooperate with the Athletic Trainers for the earliest possible return to the competition. The Head Coach will be informed of an athlete who fails to cooperate. The Athletic Trainer receives their direction and supervision from the treating physicians and the Director of Athletics. ALL ATHLETES are required to adhere to the Athletic Training Room rules and procedures. Decisions on the availability of an athlete for practice or game competition shall be the responsibility of the Athletic Training Room Staff.
HOW TO FILE A CLAIM:
1. Report your injury the Athletic Trainer.
2. All outside services have to be submitted to your insurance carrier first and will follow normal co-pay requirements.
3. Submit all remaining bills and explanation of benefits (EOB) from your insurance company to the Athletic Training Staff. The Athletic Trainer will assist you in submitting these bills to the insurance company. The student-athlete is responsible to secure all bills and payment receipts for submission.
4. Submit only those bills incurred within 24 months of date of the accident.
Any questions about a claim should be referred to the Athletic Training Staff without delay.
An Agreement to Participate form is also enclosed for your review and signature. Participation in intercollegiate athletic activities can be hazardous. It is extremely important for athletes to maintain appropriate conditioning and follow all instructions from their coaching staff.
Thank you and best wishes for a healthy academic and athletic year.
