Insurance
UNIVERSITY OF NEW HAMPSHIRE HEALTH
INSURANCE POLICY STATEMENT
The goal of the UNH Athletic Department is to provide the best
health care delivery system for student-athletes at University of
New Hampshire. The information below will help explain, medical
referrals and procedures for filing insurance claims.
The UNH Athletics Department has an excess insurance policy for
student-athletes. The policy will be applied to medical costs
incurred for services rendered by authorized health care providers.
The Department's policy is not all-inclusive.
The policy is only applicable for injuries that are a direct
result of intercollegiate activity during a required practice or
competition supervised by a staff member of the UNH Athletics
Department.
The parents of the student-athlete must complete an annual medical
insurance information form regarding the insurance company that
provides coverage for the student-athlete. This form must be
submitted to the athletic training staff at the beginning of each
academic year.
PROCEDURE REGARDING INJURY AND REFERRAL
Should an athlete be injured while practicing or participating in
a UNH intercollegiate varsity sport, he/she must, regardless of how
minor, report this to the Athletic Training staff.
Referrals will be made as required. Under no circumstances
should an individual seek other care without this referral or
without reporting information to the Athletic Training staff prior
to seeking other care.
If an athlete seeks such unreferred or unreported care, he/she
should be prepared to pay for such services. No liability on
the part of UNH exists or may be assumed to exist for medical
treatment, or hospitalization of any kind for athletic injuries
without prior referral by the Athletic Training staff.
Exclusions:
- Injury sustained in an activity
that is not associated with a required intercollegiate practice or
competition supervised by a coach.
- A chronic or recurrent injury
that was sustained prior to participation at UNH.
- Unauthorized consultations or
treatments.
- New injuries that occur after the
student-athletes eligibility is exhausted.
- Medical costs after the student
athlete's eligibility is exhausted.
- Conditions as a result of
non-compliance with the school’s policies, team rules, or the
advice of the team physician, attending physicians, the athletic
trainers or coach.
- Other dental injuries that are
not a result of athletic competition (i.e. wisdom teeth, toothache)
CANNOT be paid for by the Athletic Department. Any structural
repair or cosmetic work done in addition to emergency care is the
financial responsibility of the student athlete. UNH strongly
recommends personal insurance for other medical expenses.
PROCEDURE FOR SUBMITTING ATHLETIC RELATED INSURANCE
CLAIMS
- Submit all bills incurred to your
family coverage first. This will result in one of more of the
following actions:
- Your insurance company may ask for more information regarding the patient, injury, treatment, hospitalization etc. If this is the case it is your responsibility to forward this information to your insurance company.
- Your insurance company may honor
the claim and pay all or a portion of the bills incurred.
- Your insurance company may not
honor the claim and send you a denial of benefits letter.
- If a balance remains after your
family insurance group has contributed towards the claim, send a
copy of all the bills and the explanation of benefits from your
insurance company to Cindy Michaud at the University of
New Hampshire.
- If you receive a denial of benefits letter from your insurance company then send the denial of benefits letter and a copy of the bills incurred to Cindy Michaud at the University of New Hampshire Athletic Department.
- UNH will submit the remaining
bills and explanation of benefits (denial letter) to Koster
Insurance Company. THIS POLICY, HOWEVER, IS IN EXCESS
OF, PERSONAL FAMILY MEDICAL INSURANCE COVERAGE, and covers
only injuries resulting in direct participation in the
intercollegiate athletic program during the dates of the primary
competitive season and designated off-season as approved by the
Director of Athletics according to NCAA regulations.
- It is the student-athlete's and
his/her parent(s) / guardian(s) responsibility to understand the
conditions that apply to their policy and comply with the requests
for information, etc. from the insurance company. Any delinquent
bills resulting in bad credit due to non-compliance with insurance
companies requests may be the responsibility of the student-athlete
and/ or his/her parent(s) / guardian(s).
- All claims must be resolved with
in 2 years (104 weeks) from the date of injury.
If you have any questions regarding the insurance policy or the
procedures for submitti
ng claims, contact Cindy Michaud at (603) 862-3892.
