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Managing Athletic Injuries

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					         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
1.   The most efficient, online intercollegiate sports insurance claims
     management system available in the marketplace.
2.   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.
3.   Optional primary accident coverage for uninsured student-athletes.
4.   Superior claims processing that includes both automated and
     personal service
5.   Seamless claims management from optional primary plan to basic
     accident coverage to NCAA catastrophic medical coverage.
6.   NCAA’s commitment to provide resources and oversight to ensure
     the Program’s success for its participants.
7.   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
    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
    Contact:
       Michelle Schmidt (Michelle.Schmidt@mutualofomaha.com)
• NCAA
    Juanita Sheely, Associate Director for Travel & Insurance
       317/917-6425 or jsheely@ncaa.org
QUESTIONS?

				
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