Dear Student Athlete and Parents,
Most athletic injuries that occur during practice or play can be managed on campus. The Drew Athletic Department provides the on-site services of two full-time Athletic Trainers, and sponsors weekly sessions with local Sports Medicine Physicians at no additional cost to you. However, this letter is intended to review our medical insurance billing policies and procedures when varsity student athletes are injured during practice or play and require off campus treatment.
Athletic injuries are paid differently than non athletic injuries or illness. Specifically, Intercollegiate sports injuries are covered by the Drew Student Insurance Plan up to $1,000. However, if an intercollegiate athlete is also covered under a parent’s plan, the parent plans pays first, and the student plan pays second. When costs exceed $1,000, the Drew Athletic Insurance Policy (which is a different policy that specifically covers athletes and is paid for by Drew) will pay second up to the next $75,000 or first when the student insurance plan is the student’s only insurance. In the unlikely event of an extreme injury, the NCAA catastrophic insurance will cover costs that exceed $75,000.
Student athletes are strongly encouraged to purchase the Drew Student Insurance Plan, even if they are enrolled in a family plan. Having two insurance plans reduces the risk of out-of pocket expenses to you, and assures us that you will have local access to services when you may need it the most. If the student insurance plan is your only insurance, it should be adequate to cover most expenses.
Please note that students/families are responsible for submitting claims forms to their insurance company in a timely way. It is also up to students/families to obtain pre-authorizations for referrals when needed.
Sincerely,
Joyce Maglione
Director of Health Service