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Filling in the Coverage Gaps

What should we do if the benefit limit of current medical insurance coverage maintained is less than the deductible of the NCAA catastrophic injury insurance program?

If your institution provides accident medical coverage with a limit that is less than the deductible of the NCAA Catastrophic Injury Insurance Program, steps should be taken to ensure that student-athletes have insurance coverage up to the deductible amount.

Examples are as follows:

  • The institution is part of an insurance pool that provides coverage up to $25,000.
  • The institution purchases an accident medical policy with a $50,000 limit.

Compliance options:

  • Increase limit to level of NCAA Catastrophic Injury Insurance Program deductible or buy a policy to fill the gap.
  • Implement formal self-insurance plan for difference.
  • Require evidence of insurance (see “Requiring Evidence of Insurance”).

What should we do if our accident medical policy or the student-athlete’s policy has a deductible or co-pay?

If your institution or the student-athlete’s policy has a deductible or a co-pay provision, the institution is encouraged to take steps to ensure that student-athletes have insurance coverage for deductible/co-pay expenses (as they may be significant) or notify the student-athlete/parents that they will be responsible for these expenses.

Suggestions to consider:

  • Eliminate the deductible or co-pay provision.
  • Implement a formal self-insurance plan for the deductible/co-pay.
  • Require evidence of insurance (see “Requiring Evidence of Insurance”).
  • Notify student/parents in writing of their potential out-of-pocket expenses.