Health Insurance

1. All student-athletes participating in intercollegiate athletics are required to carry medical accident insurance which provides coverage for injuries incurred while participating in the play or practice of intercollegiate sports. This policy must have a maximum benefit equal to or exceeding $75,000.00 for the coverage of intercollegiate athletic injuries. Each student-athlete must also complete an Insurance Form with all necessary information (i.e. preauthorizations, HMO's, and PPO's) prior to participation in intercollegiate athletics. It is the student-athlete's responsibility to notify the Athletic Training staff of any change in personal insurance plans. The University of Scranton will not be responsible for expenses incurred if the student-athlete changes insurance plans or drops their personal insurance without notifying the Athletic Training staff.

2. The University operates as an excess insurance carrier for student-athletes. This coverage is secondary to any other collectible medical insurance that the student-athlete has. The student-athlete’s health insurance information must be provided to the individual rendering medical services (i.e. Emergency Room, etc.) to the injured student-athlete. Coverage is limited to injuries incurred during an official, supervised practice or game, and team travel to and from a scheduled event. Illnesses such as common colds, sore throats, respiratory infections, gastrointestinal disorders, and pre-existing conditions are not covered by this policy. Additional coverage is also provided by the NCAA Catastrophic Insurance plan.

3. Any claim for benefits must first be filed with the insurance company providing medical insurance to the student-athlete under his/her own insurance policy or that of a parent or guardian. This would include Blue Cross/Blue Shield, any private accident and health coverage, including union plans, HMO policies, or group policies through the employer of a parent or guardian. If there are any balances due after payment has been made by the student-athlete’s primary insurance, those bills, along with the Explanation of Benefits (EOB), should be submitted to the Head Athletic Trainer. The University and/or its athletic insurance company will consider paying the balance based on usual and customary charges and the student-athlete’s compliance with the INJURY REPORTING PROCEDURES listed below.

4. All special requirements (i.e. HMO or PPO policies, etc.) for the student-athletes’ primary medical insurance must be followed unless prior approval is obtained from the Head Athletic Trainer.

5. The following amendment applies to all student-athletes who began participating in intercollegiate athletics at The University of Scranton after June 1, 2002.
   
   The University's secondary insurance coverage for injuries sustained during an official practice or game includes a $1,000.00 disappearing deductible. All student-athletes/parents are responsible for the $1,000.00 disappearing deductible included in this policy. Other insurance payments, as well as personal payments, can be used to satisfy this deductible which applies to each separate injury. After all claims for benefits have been filed with your medical insurance carrier, any remaining bill may be submitted to the Athletic Training Office along with all Explanation of Benefits (EOB's) and statements/bills indicating previously paid amounts. Once the $1,000.00 deductible has been met, the University's insurance carrier will consider the remaining balance based on usual and customary charges and the student-athlete's compliance with athletic injury procedures.