2. 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

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

4. 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

5. 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

6. 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

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

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

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

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

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

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

13. CLOSING COMMENTS

14. NCAA Group Insurance Programs

15. 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

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

17. 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

18. PILLARS FOR SUCCESS Insurance Services Cost Containment
Risk Management

19. 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

20. 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

21. 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

22. 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

23. 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

24. REASONS TO CONSIDER
THE NCAA GROUP
INSURANCE PROGRAMS

25. 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.

26. NCAA Group Insurance Programs

27. 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

28. 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

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

30. CONTACT INFORMATION
American Specialty – Program Administrator
24 Hour Claims Hotline
800/ or 260/
Contact:
Marla Peters or
Abby Allison
Mutual of Omaha – Program Insurer
Claims Department
800/
Michelle Schmidt
NCAA
Juanita Sheely, Associate Director for Travel & Insurance
317/ or

31. QUESTIONS?