Please be aware that all intercollegiate athletes at Franklin College must be covered by a primary health insurance policy with a maximum benefit of at least $90,000 and a maximum deductible of $1,500 to be eligible to participate in intercollegiate athletics and utilize the college's secondary insurance policy.
Statement: The NCAA does not permit us, or any college or university, to provide coverage or pay bills incurred for expenses related to illnesses or conditions which are not sustained as the DIRECT result of an accident in our intercollegiate program.
Insurance Coverage: Franklin College does provide insurance coverage for accidents/injuries that occur from the direct result of intercollegiate athletic participation at the College. This coverage is a secondary policy, and will only take effect after a claim has been filed and processed by the primary insurance provider that covers your son/daughter. Coverage for the athlete begins the first day of the required, in-season organized and supervised practice of that sport's season, and ends upon the completion of the final contest of that sport's season. Voluntary out-of-season workouts are NOT covered by the secondary policy of the College.
Claim Procedure:
All medical bills that your son/daughter incur as the result of an injury while participating in intercollegiate athletics will either be sent directly to your insurance company or to your home address. Any claim for benefits must FIRST be filed with the primary health insurance company providing coverage to your son/daughter. After they have paid all available benefits, our athletic insurance company will process the claim and determine benefits payable on the balance.
1. Any claims for benefits must first be filed with your insurance carrier.
2. If a balance remains after your health insurance has contributed towards the claim, a copy of the itemized bill and the Explanation of Benefits (EOB) from the insurance company should be submitted to the Athletic Training Department. The EOB and each corresponding bill will need to be itemized with procedure and diagnostic codes to be accepted. For each claim, the student-athlete and parents will be responsible for the first $500 of the claim.
Insurance claims: For each claim the student-athlete will be responsible for Franklin College's secondary athletic insurance deductible which is currently $500. This obligation can potentially be satisfied by the student athletes' primary insurance payments. If not, payment will be the responsibility of the student-athlete
$500-$90,000 – Franklin College's secondary policy through AmeriBen will be utilized as the secondary policy for any bills in excess that are not covered by the student-athlete's primary insurance. (Please see Claim Procedure below for details on how to submit these claims).
$90,000 – Claims exceeding $90,000 are considered catastrophic and may be filed with the NCAA's Catastrophic Injury Insurance Program. Franklin College, through its membership in the NCAA, has extended medical benefits to student-athletes in the unfortunate event of catastrophic injury.
1. Franklin College will not be responsible for expenses incurred and not paid by your insurance carrier because of non-compliance to the requirements of your insurance carrier. Non-compliance to preferred provider provisions, charges in excess of the usual and customary rates, requirements for second opinion on surgery, and any other provision of your policy must be met in order to qualify for benefits from Franklin College.
2. When all the required forms have been submitted, a school claim form must be filled out by your son/daughter and turned in with the itemized bills and the EOBs from your insurance company.
Please be aware that all intercollegiate athletes at Franklin College must be covered by a primary health insurance policy with a maximum benefit of at least $90,000 and a maximum deductible of $1,500 to be eligible to participate in intercollegiate athletics and utilize the college's secondary insurance policy.
Please do not sign up for the insurance that is available through the college and contact an insurance sales person concerning the requirements listed above. If you have questions concerning this policy or are in need of help finding appropriate coverage, please feel free to contact Chris Shaff, Head Athletic Trainer at 317-738-8125.
