Bears Official Sponsor

School Insurance Information

Dear Student-Athlete and Parents:

We hope all participants will be injury free; however, if an athlete is accidentally injured, the following information should be useful.

If a student-athlete is accidentally injured and generates medical expenses associated with the accident, all claims must be filed first with the student’s or parents’ personal insurance company.  If a balance remains after the personal insurance company has paid its maximum, that balance will be submitted to the school’s athletic accident insurance company.  If covered, the school’s insurance company will pay the balance of the eligible medical expenses not covered by the personal insurance company up the maximum of the policy.  This excess insurance program is being used at many of the nation’s high schools and colleges.

The school’s insurance policy covers only new accidents that are sustained during competition or supervised practice.  Preexisting injuries, off-season injuries, injuries incurred during the season that are not directly related to in-season competition or supervised practice or routine medical care (eye care, dental care, care for illness), self-inflicted injury, injuries sustained from a fight are NOT COVERED.

Once an injury occurs it is the student/parents responsibility to obtain an:  “Athletic & Student Accident Notification of Injury Form” from the Athletic Trainer, Coach, Athletic Director or online.  This is to be filled out and returned to the Athletic Trainer as soon as possible.  Once the form is returned to the ATC, a claim will be created through Tennessee Risk Management Trust.  They will then send you information about how bill reimbursement works.

Below is detailed information about the insurance coverage.  If you have any questions regarding the accident insurance program, please feel free to contact the Athletic Director or Tennessee Risk Management at (615) 651-8625.  We look forward to serving you again this year and hope that your experience will be enjoyable and accident free.

Sincerely,

Athletic Director – Turner Jackson

Athletic Trainer – Keresa Steichen MS ATC/LAT

 

PROGRAM INCLUDES COVERAGE FOR:

  • FOOTBALL                      PHYSICAL EDUCATION                                      BAND
  • ALL OTHER SPORTS                     FIELDTRIPS                       CHEERLEADING

INSURANCE COVERAGE FOR STUDENTS (K-12) PARTICIPATING IN ALL INTERSCHOLASTIC SPORTS, CHEERLEADING, BAND AND PHYSICAL EDUCATION CLASSES.

COVERAGE APPLIES TO:

  • SCHEDULED GAMES
  • SCHOOL TIME
  • SUPERVISED PRACTICE AND CONDITIONING SESSION (ANYTIME)
  • TRAVEL TO AND FROM GAMES AND PRACTICE SESSIONS
  • EXTRACURRICULAR ACTIVITIES
  • JOB SHADOWING PROGRAMS

LIMITS AND BENEFITS

ALL COVERAGE (OTHER THAN CATOSTROPHIC) PURCHASED BY THE SCHOOL DISTRICT HAVE NO DEDUCTIBLE AND A MEDICAL MAXIMUM BENEFIT OF $25,000.00 PER ACCIDENT. SPECIFIC SUBLIMITS APPLYFOR COVERED EXPENSES (SEE ATTACHED SCHEDULE OF BENEFITS).

ALL BENEFITS ARE PROVIDED ON A FULL EXCESS BASIS FOR COVERED EXPENSES. THIS MEANS THAT COVERED EXPENSES WILL BE PAID WHEN THEY ARE IN EXCESS OF ANY OTHER PLAN PROVIDING MEDICAL EXPENSE BENEFITS. THUS, PARENTS MUST SUBMIT BILLS TO THEIR PRIMARY PROVIDER FIRST. THE TNRMT POLICY WILL CONSIDER THE UNPAID BALANCES FOR COVERED EXPENSES UP TO THE LIMITS OF THE POLICY. A PROOF OF LOSS (CLAIM FORM) MUST BE SUBMITTED WITHIN 90 DAYS. NO CLAIM WILL BE CONSIDERED IF PROOF OF LOSS IS NOT SUBMITTED WITHIN 365 DAYS AFTER THE ACCIDENT.

                                                       BENEFITS

MAXIMUM LIMITS / PLANS PURCHASED BY THE SCHOOL DIDTRICT (FULLEXCESS)

FRACTURE CARE FEES                                                       $6000.00 PER INJURY MAX

DR. OFFICE VISITS                                                              $125.00 PER VISIT MAX

PHYSICAL THERAPY          $1000.00 PER INJURY $50.00 PER VISIT IF NO PRIMARY

INPATIENT ROOM & BOARD                                           $6000.00 PER INJURY MAX

OUTPATIENT SURGICAL                                                   $5000.00 PER INJURY MAX

OUTPATIENT NON-SURGICAL                                         $1000.00 PER INJURY MAX

DIAGNOSTIC (X-RAYS, CT’S, MRI’S)                                $2000.00 PER INJURY MAX

DENTAL                                                                               $1000.00 PER TOOTH  MAX

ORTHOPAEDIC APPLIANCES (BRACES ETC.)                  $1500.00 PER INJURY MAX

GROUND AMBULANCE                                                     $1000.00 PER INJURY MAX

MAXIMUM MOTOR VEHICLE ACCIDENT BENEFIT       $1000.00 PER INJURY MAX

BENEFITS DESCRIBED ARE PROVIDED BY TNRMT. THIS IS NOT A CONTRACT OF INSURANCE