Important Considerations for Intercollegiate Athletes
2018-2019 Academic Year
The Occidental College Student Injury and Sickness Plan is underwritten by the United Healthcare (UHC) Insurance Company. This UHC plan does cover intercollegiate sports injuries. While all students at Oxy are automatically enrolled in this primary insurance plan, students are able to waive out of this plan at the beginning of the school year if they can provide proof of adequate medical coverage with their personal private insurance plan. Please visit the Emmons Student Wellness Center webpage for more details on the exact benefits of this insurance plan offered by the College.
For those Oxy students who participate in varsity intercollegiate athletics, Oxy purchases a Sports Excess accident insurance policy that covers NCAA intercollegiate sports injuries at 100% of usual & customary charges, up to $90,000 per injury. All Oxy varsity student-athletes are automatically covered by this plan as long as they are an active member on a varsity team roster. This Sports Excess policy acts as a secondary policy, and has a $4,000 coordinating/disappearing deductible. This deductible coordinates with your primary insurance; by that, the Sports Excess plan deductible is considered satisfied as long as you or your primary insurance (Oxy Student Health Insurance or your private insurance) pay at least $4,000 or more on a given injury. In short, this means that you (with your primary insurance) will be responsible for the first $4,000 in injury claims, after which the Sports Excess policy will be applied to claims above $4,000 that are not covered by your primary insurance. The Sports Excess policy has a maximum benefit of $90,000. All NCAA student-athletes have coverage above $90,000 through the NCAA Catastrophic Insurance policy.
Occidental College Athletics and the Sports Medicine Department strongly encourage all student-athletes and their parents/guardians to look closely at their current primary health insurance policy as well as the Oxy Student Health Insurance policy when deciding which plan will provide the most comprehensive and appropriate access to care and benefits during the student’s athletic career. Athletic participation can lead to athletic-related injuries that require specialty medical services and diagnostic tests administered in a timely manner. With the Oxy UHC plan, a student-athlete will have coverage for intercollegiate athletics injuries, which can be applied towards the $4,000 Sports Excess policy deductible. Coverage under the Oxy UHC plan will also help to expedite referrals to off-campus providers such as team physicians, team therapists, and MRI centers. If you elect to waive the student plan, you are subject to the plan specifics and benefits of your private health insurance. This may include high coinsurance, high deductibles and copays, and lengthy pre-authorization processes. To ensure the most streamlined and efficient operation for athletic-injury medical care, the Oxy Sports Medicine department recommends that our student-athletes enroll in the Oxy Student Health Insurance plan.
Again, please refer to the Emmons Student Wellness Center to understand the exact benefits of the Oxy Student Injury and Sickness Plan.
Kaiser Permanente Patients
The Oxy Sports Medicine Department has partnered with Southern California Kaiser Permanente, and so we have several Family Practice and Sports Medicine physicians who are available to our varsity student-athletes on a weekly basis in the Oxy athletic training room. These physicians can also make referrals to other specialists within the Kaiser network. Oxy student-athletes with Kaiser coverage outside of Southern California must obtain a Southern California Kaiser medical record number in order to obtain Kaiser Permanente services in Los Angeles.
If you have any questions regarding insurance coverage and options, please feel free to contact Joseph Gonzalez, Head Athletic Trainer, at email@example.com.