The Truman State University athletic department carries a secondary athletic insurance policy on all its athletes. This policy covers injuries that occur while participating in official practice activities. The athletic department and the athletic training staff highly encourage all athletes to carry regular medical insurance.

Description of Truman's Athletic Insurance:

1.  Truman’s Athletics Department carries a secondary insurance policy for all athletic injuries.  This insurance covers injuries that occur during athletic practices and games.  This secondary policy is designed to cover expenses not paid by your personal insurance. 

 2. The insurance plan covers injuries incurred:

                A.  During OFFICIAL practices and games (not during unofficial practice, pre-season, intramural, etc.)

                B.  On official school trips (i.e. traffic accidents, etc.)

                C.  Only during athletics, not personal accidents

                D.  ONLY INJURIES, NOT ILLNESSES (i.e. asthma, influenza, skin rash, headaches, etc.)

                E.  Only during the athletic season.  Pre-existing conditions are not covered.

 3.  The NCAA carries a Catastrophic Injury Insurance Program that covers student-athletes who are catastrophically injured while participating in a covered intercollegiate athletic activity.  The policy has a $75,000 deductible and is supplemental coverage in the event of a catastrophic injury.  More information on this program can be found on the NCAA’s web-site at www.ncaa.org.

 4.  We strongly recommend that students have coverage through a primary health insurer.  College students can incur significant out-of-pocket expenses for non-athletic related illnesses or accidents.  Please also be aware that many insurers drop primary coverage of dependents once they reach the age of 21.  This can often be avoided simply informing the insurer that the dependent is a full-time student.

READ THIS IN ORDER TO INSURE BILLS ARE PAID

 A. Truman State University will not directly pay medical bills, expenses, or damages from athletic injuries.  The Athletic Department carries secondary insurance for all athletes for athletic injuries. This insurance covers athletic injury expenses not paid by your primary insurance. Those who do not have primary insurance, must contact the athletic training office to discuss their options.

 B.  The insurance plan covers athletic injuries:

• Incurred during OFFICIAL practices and competitions

• Incurred on official university sanctioned trips

 C.  The insurance plan does not cover

• Personal accidents

• Illnesses (i.e. Asthma, influenza, skin rash, etc.)

• Pre-existing conditions
• Injuries outside of official practice or competition (during pick-up games, training on your own, etc.)

D.  How to use the Athletic Insurance:

1. All bills must be filed to your insurance FIRST. This is your responsibility. The University will not file any bills with your insurance company.

2. Make sure that the guidelines set by your personal insurance are followed. If you have HMO or PPO, it is your responsibility to obtain pre-approval, referrals from network physicians, and notify of services.
3. Inform the provider that Truman provides secondary insurance and ask them to contact Nicole Summers (her contact information is listed below).
4. Following payment by your primary insurance, send the following to the address listed below
   1. the ORIGINAL MEDICAL BILLS and
   2. the EXPLANATION OF BENEFIT (EOB) from your insurance

 Truman State University

122D Pershing Building

Kirksville, MO 63501

Attn: Nicole Summers, ATC

(660) 785-7521 phone

(660)785-4166 fax

nsummers@truman.edu

** Please fill out an athletic department insurance questionnaire. It may be filled out on-line by clicking: insurance form