Sports Insurance Payment Coverage
Related to sports insurance coverage at Bates College, the primary insurance of the student-athlete (whether parental or self insured) will be assessed for all initial charges related to athletic/sport injuries for varsity and club sports at Bates College.
The function of the Bates College sports insurance will be as a supplemental/secondary coverage responsible for most if not all charges remaining following payment from primary insurance of student-athlete/parent. In order to qualify for usage for the Bates College sports insurance program injuries must have occurred during an in-season sport, and official practice or game that was supervised by coaches. Exclusions to this coverage include captain’s practices, out of season participation of a sport, or conditioning activities. The Bates sports insurance coverage does not apply to non sport related activities, ie, intramural sports, slipping on ice, etc. Currently, the Bates College sports insurance will provide payment for an injury for 104 weeks/2 years from the date listed on the insurance claim form completed by the Bates College Sports Medicine staff member or Health Center staff.
Upon injury the student-athlete will need to follow up with an Athletic Trainer or Bates College Health Center to properly document injury. Following documentation and completion of insurance form the student-athlete must contact their primary insurance to notify them of injury and follow up care with appropriate allied health professional, ie emergency room, x-ray, orthopedist, etc.Please review your insurance policy regarding timeline to contact primary care physician for approval for follow up care. Most insurance companies allow a 24-48 hours to make contact with PCP.
Failure to contact your primary care physician in the time specified by your insurance company may result in the rejection of your claim, resulting in non-coverage/payment by the Bates College sports insurance. This may leave the student-athlete/parent responsible for all bills incurred.
It is the responsibility of the student-athlete to maintain lines of communication with respect to bills and explanation of benefits (EOB) with the liason at the Bates Health Center and/or the insurance company providing coverage which is currently NAHGA Claim Services.
NAHGA Claim Services contact information is:
PO Box 189
Bridgton, ME 04009-0189
Telephone #: 800-952-4320
Fax #: 207-647-4569