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STUDENT ATHLETE INFORMATION

 

ATHLETIC PARTICIPATION & PRE-PARTICIPATION EXAMINATION

A health screening examination prior to the start of participation in intercollegiate athletics is a medical, legal and ethical obligation of Occidental College. NO student will be permitted to participate in a team activity (strength and conditioning, practice, or competition) until he/she has completed a health physical and pre-participation medical forms.

All Incoming Freshman & Transfer Athletes must complete the Sports Physical and Health Forms and return them to Emmons Health Center prior to arriving on campus. New student athletes will also receive a health screening examination performed by a member of the sports medicine staff prior to participation in intercollegiate sports.

Returning Athletes will receive a health screening examination performed by a member
of the sports medicine staff prior to athletic participation in intercollegiate sports.

COLLEGE POLICY ON INSURANCE LIABILITY

Accidental insurance is provided by the College for the benefit of our student-athletes.  The student-athlete is covered by a combination of policies.  All students are covered by a policy from United Health Care as part of their billing package.  It is a PPO with a co-pay per visit which is the student-athlete’s responsibility to pay.  This plan covers intercollegiate athletic injuries up to $4,000 as follows:  at 100 % of the Preferred Allowance for PPO providers after the $20 co-payment or at 80% of usual, customary and reasonable costs for out of network providers after the $20 co-payment.  The Department of Intercollegiate Athletics carries a policy, which provides coverage on an “excess” basis from $4,000 to $90,000.  Under terms of the policies, the coverages are considered to be excess to all other valid and collectible medical insurance policies.  Most notable would be parental insurance coverage through your place of employment under which the student-athlete is covered as an eligible dependent.  The College also carries a catastrophic insurance plan for claims in excess of $90,000 through the National Collegiate Athletic Association, NCAA.

The Student Injury and Sickness Insurance plan and the Intercollegiate Athletic Insurance programs will pay for benefits denied by HMO/PPO/Kaiser and related plans.  However, the Intercollegiate Athletic Insurance program encourages that you utilize services provided by these plans whenever possible.  If this is not possible, the Intercollegiate Athletic Insurance program will cover for such expenses.

This is a brief outline of the benefits provided to the student-athletes.  In general, it contains the major features of the plans and is not intended to replace the legal documents, which contain the complete provisions and limitations of the plans.  Final interpretation of any plan provision is generated by the master contracts.

OUTLINE OF MEDICAL EXPENSE COVERAGE

1. The first $4,000 of a claim is covered under the College Student Accident plan, United Health Care and this plan covers intercollegiate athletic injuries up to $4,000 per injury, as follows:  at 100% of the Preferred Allowance for PPO providers after the $20 co-payment or at 80% of usual, customary and reasonable costs for out of network providers after the $20 co-payment.

2. $4,000 to $90,000.  This coverage is considered to be excess to parental insurance coverage under which the student-athlete is covered as an eligible dependent.  (Subject to prior payments of deductibles in items I.)

3. Even if you have other insurance, the Plan may cover unpaid balances, deductibles and pay those eligible medical expenses not covered by other group insurance.

  1. Benefits will be paid on the unpaid balances after your other group insurance has paid. Benefits will be paid on a “reasonable and cost fees basis.                

EXCLUSIONS AND LIMITATIONS

1. Injuries covered under the Student Accident Plan (0-$4,000).  Claims are paid for 52 weeks from the date of injury.

2. “Excess” Coverage ($4,000 to $95,000) claims will be paid for 104 weeks from the date of injury.

3.  First medical treatment must be within 180 days of the injury.                         

4. Dental injuries are limited to a maximum claim of $1,000 under the Student Accident Plan.

5. Also see the Student Injury and Sickness Insurance Plan pamphlet sent home during the summer for a complete list of Exclusions and Limitations. 

It is the responsibility of the student-athlete to see that all medical bills are submitted for claim.  Though the College provides insurance, it does not assume financial responsibility for medical expenses.  It is the responsibility of the student to retain copies of all itemized bills and insurance payment documents, so that if it is necessary to apply for “excess” claim with the College carrier it can be done in a timely manner.  Medical expenses in excess or services not covered by the policies are the responsibility of the student and/or parents.

Additional information regarding insurance coverage may be obtained from the College Risk Management office.  Students and their parents are encouraged to read the college brochure describing Student Accident and Sickness Insurance Plans.  Copies of the Master Insurance policies held by the College for expenses related to intercollegiate athletic participation may be furnished upon request by the Human Resources office.

In the event that your son or daughter is injured while participating in a covered sport, it is important for us to know about any medical coverage you may have to avoid delays in claims processing.  The College is not the guarantor of health care claims.  Therefore, please complete the “Insurance Questionnaire”  enclosed with this letter.  Please note, it is vital that all requested information be completed in its entirety. 

LIFE SKILLS, AND DRUG & ALCOHOL EDUCATION 

Occidental College has a straightforward policy banning the use of drugs.  The Department of Athletics has selected to use an educational approach in dealing with this issue.   The College and the NCAA drug and testing policies are explained at the mandatory eligibility meeting recently attended by student-athletes.  Also, throughout the year we will be sponsoring seminars covering such topics as the use of nutritional supplements, sports psychology, stress management, substance abuse, eating disorders and other topics, which may be of interest to our student-athletes.

NCAA Medical Exceptions  -  Ritalin or Adderall are banned drugs by the NCAA.  The NCAA will grant a Medical Exception for the use of these drugs for student-athletes with diagnosed Attention Deficit/Hyperactive Disorder (ADHD.)

The student-athlete must have on file with the Athletics Department medical staff, a letter from the treating physician as to the diagnosis, assessment tool used, and medication dosage.