Long Beach State Policies on Athletically Related Medical Expenses
In compliance with NCAA Bylaw 18.104.22.168 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
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).
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.