K-12 Schools & College Athletic Insurance Plans

Accident Medical Insurance For K-12 Schools and School Districts and Intercollegiate Athletics

K-12 Student Accident Insurance
Pays the medical bills of an injured student or staff member

The K-12 student accident program offered provides coverage for all of the school’s or school district’s students participating in sponsored and supervised activities, including interscholastic athletics.

Policyholders may choose one of multiple benefit levels that are provided under the program. Benefits ranging from full usual and customary plans to the more affordable scheduled plans are offered to all prospective Policyholders.

The student accident program offered is perfect for private or public K-12 schools and school districts. To obtain a quotation, please contact our firm via e-mail or at (800) 318-7709.

Intercollegiate Sports Accident Insurance
Pays the medical bills of an injured athlete or staff member The intercollegiate sports accident program offered provides coverage for athletes and staff members involved with the college or universities intercollegiate athletics program.

Coverage is provided up to $25,000.00 or $50,000.00 with an accidental death benefit of $10,000.00. Coverage is provided for all sponsored activities, including fund raisers and group travel. All policies provide additional specialty endorsements for coverage of hernia, tendonitis, heat stroke, pre-existing conditions and coverage in the event that a claim is denied due to HMO or PPO complications.
The intercollegiate sports accident program offered is perfect for a college or university’s entire athletics program or may be used to provide coverage to just one team. To obtain a quotation, please contact our firm via e-mail or at (800) 318-7709.

Claim Services
Extended claim service is provided standard for both our K-12 student accident and our intercollegiate sports accident programs. Claim forms will be supplied in any quantity at no additional charge. All claim forms have filing instructions and a toll free (800) number for claim inquiries or filing help. Copies of all EOB’s (explanation of benefits) and denial letters will be sent to the appropriate school official. Monthly loss run reports for the school will also be mailed.

Average claim turnaround time is roughly ten days. No pre-certification will be necessary for students or athletes that must undergo surgery or other similar treatments. If a student, athlete or physician needs to verify benefits before treatment, that student or physician can contact the claims office, the appropriate agent or the plan underwriter.

Our claims paying facility is a participating member of two national preferred provider organizations. A student or athlete is not required to seek treatment from physicians or hospitals that also participate in one of these organizations. A student or athlete is encouraged to seek treatment at the most convenient location of his or her choice. However, when a student visits a physician who is a participating member, usually it results in a reduction of the medical bills of 20% – 40%. Most hospitals and major physician offices are members of one of these two national organizations (Beech Street and/or Multi Plan). When filing a claim, there are no special requirements or procedures. Everything is processed by our claims paying facility.