Long Beach State Policies on Athletically Related Medical Expenses
In compliance with NCAA Bylaw 184.108.40.206 insurance benefits are provided to all LBSU student-athletes. Coverage is for athletic related injuries and illnesses that occur during sanctioned athletic activities with Long Beach State. Medical illnesses, pre-existing conditions and injuries that occur outside of athletic activities are not covered by this policy.
Insurance Provisions for Athletes
The Athletics Department has a secondary or excess insurance policy, thru the AIME program, for injuries that occur while participating in Long Beach State athletic activities. The insurance policy requires that if an athlete has personal insurance it must pay first and the remaining balances and deductibles will be paid by the Athletic Department's insurance. Benefits are payable only on an excess basis over and above any benefits or services provided by the primary insurance. If there is an out-of-pocket expense to the student-athlete or parents (co-pays, medications, deductibles) they will receive reimbursement for all costs by our secondary insurance.
If an athlete has no insurance, the Athletic Department will pay all expenses up to the limits of its insurance policy. If a claim involves more than this amount ($90,000), the NCAA catastrophic insurance policy will then provide coverage. It provides up to $20 million in lifetime benefits to varsity student-athletes (including student coaches, student managers, student trainers and student cheerleaders).
- Travel accident benefits for staff and players are covered by this policy.
- Another stipulation of the coverage is that if an athlete is covered by an HMO organization he/she is required to utilize that insurance. The HMO/PPO provision requires that treatment be denied by that entity before the risk pool will cover the expenses. The athletic department has no choice in this matter.
The first documented treatment for an injury must occur within 120 days of the injury. Expenses are covered for up to 104 weeks (2 yrs) from the onset of injury regardless of remaining eligibility. After this 2 year period, the insurance company will no longer be responsible for payment of claims for the injury2.
Claims must be authorized by and submitted for payment to the athletic medicine staff. This requires that athletes submit any bills and/or receipts immediately to the athletic medicine staff. The athletic department or its insurance provider will not be responsible for late charges or payment of claims that have not been authorized or submitted for payment in a timely manner.
Dirtbags Hire Dan Ricabal as Pitching Coach07/15/2016 - Baseball
Long Beach State head coach Troy Buckley has added pitching coach Dan Ricabal to his staff,...
Long Beach State And The Aspire Group Welcome...07/11/2016 - General Release
Long Beach State Athletics and The Aspire Group have hired Benny Garcia to lead the on-site Fan...
Ensing, Tuaniga Win Gold at NORCECA U-21...07/11/2016 - M. Volleyball
Long Beach State’s Kyle Ensing and Josh Tuaniga helped the U.S. Men’s Junior National...
LBSU Women's Volleyball Releases 2016 Schedule07/06/2016 - W. Volleyball
LBSU head coach Brian Gimmillaro unveiled his team's 2016 schedule which features plenty of...
Felicia Taverrite Selected As WGCA All-American...07/06/2016 - W. Golf
Sophomore Felicia Taverrite was named an All-American Scholar by the Women’s Golf Coaches...
Marco Estrada Named to American League All-Star...07/05/2016 - Baseball
Former LBSU pitcher Marco Estrada (Toronto Blue Jays) earned his first All-Star Game selection...
Player of the Week
Duran Named To All-Regional Team In Postseason
Freshman Jarren Duran was named to the All-Tournament team at the Coral Gables Regional. The 2B saw five of his six hits go for extra bases, with two doubles, two triples and his first career home run.
NEXT GAME: N/A
LAST WEEK'S WINNER: Fatima Vergara, Women's Track & Field