Dear Parents and Student-Athlete,
The University of Hartford provides accidental injury insurance to cover injuries that may occur while participating in regularly scheduled, supervised, and sponsored practices and competitions. The insurance policy offered through the University is a secondary policy with benefits being covered from expenses neither paid nor payable by the student-athletes primary insurance carrier. It is essential for you to understand that your primary insurance company must be the initial reimbursement agency. The University of Hartford’s secondary policy goes into effect only after there is a resolution by your primary insurance. The University of Hartford’s secondary insurance policy does not cover general illnesses or disease.
Thank you for your cooperation. If I can be of any assistance please call me at 860-768-5048.
Thank You,
Shawn McCarthy
Head Athletic Trainer
UNIVERSITY OF HARTFORD SPORTS MEDICINE DEPARTMENT
Insurance Policy
Insurance Coverage of Student-Athletes:
All University of Hartford student-athletes SHOULD be covered by some type of individual health insurance BEFORE PARTICIPATING IN ANY PRACTICE, GAME, AND/OR COMPETITION. The student-athlete’s insurance should cover athletics related injuries and/or illnesses, and shall be considered the PRIMARY insurance coverage for all athletic related injuries. The student-athlete must complete an Emergency Medical Information/Insurance Form and supply a photocopy (front & back) of the health insurance card on a yearly basis.
The University of Hartford provides a medical insurance program for its student-athletes. THIS POLICY, HOWEVER, IS SECONDARY TO, OR IN EXCESS OF, PERSONAL FAMILY MEDICAL INSURANCE COVERAGE, and covers only injuries / accidents resulting from the direct participation in the intercollegiate athletics program during the dates of the primary competitive season and designated off-seasons as approved by the Director of Athletics according to NCAA regulations.
Compliance with Insurance Company Requests:
It is the student-athlete’s and his/her parent(s) / guardian(s) responsibility to understand the conditions that apply to their policy and comply with any requests for information, etc. from the primary insurance company. Any delinquent bills resulting in bad credit due to non-compliance with insurance company requests may be the responsibility of the student-athlete and/or his/her parent(s) / guardian(s).
In the event that a student-athlete and/or his/her parent(s) / guardian(s) receives payment / reimbursement directly from their insurance company for athletic related injury / illness claims, the full account balance becomes the responsibility of the student-athlete and/or his/her parent(s) / guardian(s), until payment is turned over to the provider.
Insurance Policy Changes:
The University of Hartford Sports Medicine Department must receive any changes to a health insurance policy as soon as they occur. If proper notification is not received, the University of Hartford Athletics Department may not be responsible for any delays in payment, collections notices, credit reports, etc. that occur.
Medical Bills:
In the event that a student-athlete should receive a bill / statement for an injury / illness that occurred as a direct result of participation in intercollegiate athletics at the University of Hartford, the student-athlete must submit the bill / statement to a University of Hartford certified athletic trainer in a timely manner. Bills not received in a timely manner may be the responsibility of the student-athlete and/or the student athlete’s parent(s)/ guardian(s). The University of Hartford Department of Intercollegiate Athletics and/or the University of Hartford Sports Medicine Department WILL NOT be responsible for any delays in payment, collections notices, credit reports, etc. that occur due to bills not being submitted in a timely manner. Submit all correspondence to:
University of Hartford Sports Medicine Department
Attn: Head Athletic Trainer
200 Bloomfield Avenue
West Hartford CT, 06117
