MANAGING COSTS OF ATHLETIC INJURIES Facilitator: Marla Peters, Sr. VP, American Specialty Panel Members: Abby Allison, NCAA Program Consultant, American Specialty Dr. Robert Boerigter, Commissioner, Mid-America Athletics Association Stephen Bushee, Asst. Athletic Director, Sports Medicine, Boston College Ken Dinslage, VP, Group Special Risk Sales & Operations, Mutual of Omaha John Hunt, Director of Risk Management & Safety, University of Southern Indiana Andrew Massey, Head Athletic Trainer, Tulane University David Steele, Associate Athletics Director, Marshall University

FORMAT FOR SESSION Brief overview of Certification legislation Panel discussion NCAA Group Basic Accident Insurance Program Highlights NCAA Catastrophic Program Review

CERTIFICATION LEGISLATION Legislation passed in 2004/2005 Institutions must certify insurance coverage for athletically-related injuries sustained during covered events Must be equal or greater than Catastrophic program deductible Can be provided through: Parents’ or guardians’ insurance; Student-athlete’s insurance; or Institution’s insurance

CERTIFICATION LEGISLATION (continued) Does institution have to provide the insurance? No, compliance will vary by institution. There are two basic approaches: Institution provides insurance Institution requires student-athlete to provide proof of insurance Note: This legislation and today’s session focused on athletically-related injuries only Resources available at www.ncaainsurance.com

CURRENT LANDSCAPE Most institutions fund student-athlete injury costs at some level Costs = Time and Expense Other factors that impact athlete injuries and costs Medical research New NCAA legislation Prevention and treatment Given the magnitude of athletic injury expenses, cost control efforts are imperative

PROGRAM STRUCTURE What structure or processes can be implemented to enable the athletics department to gain control of athletic injury costs?

TIME SAVINGS Where do opportunities exist to reduce the amount of time spent managing bills and insurance paperwork?

REDUCING EXPENSES What specific steps can be taken within the athletics department to reduce medical and insurance costs? Network discounts Provider agreements Other insurance

DATA & INFORMATION How can an institution use data from past injuries and claims to affect future costs or decisions?

INSURANCE What types of insurance plans are available and how should an institution evaluate which is the best financial fit for its circumstances?

IMPACT OF HEALTHCARE REFORM How might healthcare reform impact institutions with respect to managing student-athlete injury costs?

CLOSING COMMENTS

NCAA Group Insurance Programs

WHAT IS THE NCAA GROUP BASIC ACCIDENT MEDICAL PROGRAM? Excess medical insurance designed to cover intercollegiate sports-related injuries Protects the student-athlete and institution below the catastrophic insurance deductible. Created with NCAA oversight & support in response to member requests Introduced in 2006 Currently includes 144 institutions spanning all divisions

PROGRAM OBJECTIVE Provide the tools and means necessary to empower NCAA members to control costs and reduce expenses related to athletics insurance.

PARTNERSHIP Participating NCAA Members NCAA National Office Participant Accident Medical Claim Payer 40+ Years NCAA Catastrophic Insurance Provider for 10+ years A.M Best Rating of A+ (Superior) Risk Management and Insurance Advisor to the NCAA for 15+ Years Experts in providing insurance and risk management services to clients in the sports and entertainment industry 40+ years experience in Intercollegiate Insurance Business Nearly two centuries of combined staff experience in Intercollegiate Sports Insurance Currently provides basic coverage to hundreds of NCAA, NAIA & NJCAA institutions

PILLARS FOR SUCCESS Insurance Services Cost Containment Risk Management

BASIC INSURANCE $75,000 medical maximum for all NCAA Group Insurance Program participants Two year benefit period Optional AD&D limits – standard benefit of $10,000 with $1,000,000 Air Aggregate, higher limits available Master policy negotiated with NCAA oversight Consistent pricing approach Optional deductible levels Expanded benefit riders Optional primary accident coverage for uninsured student-athletes

NCAA CATASTROPHIC DEDUCTIBLE BENEFIT FOR PROGRAM PARTICIPANTS NCAA Catastrophic Deductible Amounts NCAA Program participants’ = $75,000 Non-Program participants’ = $90,000 Benefits Reduced exposure Protect NCAA Participants’ Basic Accident loss results

SERVICES State-of-the-art NCAA Online Risk Manager to manage all information related to your program Superior claims repricing and provider discount services Seamless claims management from basic coverage to catastrophic provided by Mutual of Omaha Insurance Company

NCAA ONLINE RISK MANAGER Web-based program tailored for each participating institution Electronic incident (claims) reporting and viewing capabilities Available via certain injury tracking systems Real-time claims status viewing Access to customized claims reports Diary System to track correspondence and pending tasks Access to “Best Practices” tools and information Access to policy and coverage information

REPRICING & PROVIDER DISCOUNT SERVICES Repricing network provided by GlobalCare, Inc., which includes access to over 150 networks Mapping of preferred providers to available network Direct negotiations with specific providers on behalf of participating institutions Access cards and referral process for optimal claim discounts

REASONS TO CONSIDER THE NCAA GROUP INSURANCE PROGRAMS

TOP REASONS TO CONSIDER The most efficient, online intercollegiate sports insurance claims management system available in the marketplace. NCAA catastrophic deductible will remain at $75,000 for all NCAA Group Insurance Program participants. All other NCAA institutions’ catastrophic deductible will be $90,000. Optional primary accident coverage for uninsured student-athletes. Superior claims processing that includes both automated and personal service Seamless claims management from optional primary plan to basic accident coverage to NCAA catastrophic medical coverage. NCAA’s commitment to provide resources and oversight to ensure the Program’s success for its participants. Program participants actively involved to help shape the future of the NCAA Group Insurance Programs and services provided.

NCAA Group Insurance Programs

CATASTROPHIC INJURY INSURANCE PROGRAM Policy covers all student-athletes at active member institutions (does not apply to provisional institutions) Premium 100% paid by the NCAA Deductible $90,000 ($75,000 for NCAA Basic Accident participants) Renewed through July 31, 2013

PROGRAM BENEFITS Medical Benefits Disability Benefits Includes medical, dental, rehabilitation and custodial care Disability Benefits Includes disability payments, adjustment expenses, special expenses, college education expenses, and vocational rehabilitation expenses Death Benefit ($25,000) Maximum Lifetime Benefit is $20M

REPORTING OF CATASTROPHIC INJURIES Report serious injuries that may exceed the policy deductible to American Specialty the next business day following the injury

CONTACT INFORMATION American Specialty – Program Administrator 24 Hour Claims Hotline 800/245-2744 or 260/672-8800 Contact: Marla Peters (mpeters@amerspec.com); or Abby Allison (aallison@amerspec.com) Mutual of Omaha – Program Insurer Claims Department 800/524-2324 Michelle Schmidt (Michelle.Schmidt@mutualofomaha.com) NCAA Juanita Sheely, Associate Director for Travel & Insurance 317/917-6425 or jsheely@ncaa.org

QUESTIONS?