Deductible Assistance for Athletic Injury
CMU does NOT carry primary or secondary insurance for student-athletes. It assists with the insurance deductible once the student-athlete or parent(s) of the student-athlete meets CMU’s Deductible of $250. CMU will pay direct to a vendor OR reimburse up to the next $1000 to your bill(s). If there are any remaining bill(s), THIS WILL BE THE ATHLETES RESPONSIBILITY. This means that it is designed to help pay your deductible. Deductibles that are > $1000, will still be the athlete’s responsibility. If you are participating in a high contact sport, such as football, it is in your best interest to have a deductible no more than $1000, so that you can get the most out of your primary policy.
All bills must be turned in or sent to the Director of Athletic Training Service, Paden Kleinhesselink, M.Ed, LAT, ATC, pkleinhe@centralmethodist.edu or fax 660-248-6381. Proof of the first $250 payment, which needs to be a receipt from a paid vendor, AND ALL Explanations of Benefits (EOBs) from your Primary Insurance must be submitted within 6 months of the injury. This policy only covers expenses that are a direct result of participation in supervised, official athletic practices, and competitions. Notification of Injury MUST be reported to one of the Certified Athletic Trainers in a 24-hour time frame.
Covered expenses include:
· Injuries that occur as a result of athletic participation
· Covers Medical charges for 6 months after the injury
· Physician visits, diagnostic tests, surgery, and referred off-campus physician visits
CMU's policy does not cover injuries that occur outside of official practices or competitions. Injuries that occur during pick-up games, on-your-own conditioning, or during summer training are not covered by CMU's policy. Some of the non-covered expenses are listed below.
· Illnesses
· Injuries that occur during the summer
· Pre-existing conditions
· Medications
· Injuries that are caused by personal accidents
· Injuries that are not reported to the CMU’s medical staff
· Chiropractor visits
· Orthotics
CMU does not pay medical bills directly until the claims process noted above is followed. We do not pay expenses or damages from athletic injuries. Bills that are not paid by the athlete's primary insurance company are the athlete's responsibility.
All bills must be filed to your insurance FIRST. This is your responsibility. The University will not file any bills with your insurance company.
Make sure that the guidelines set by your personal insurance are followed. If you have an HMO or PPO, it is your responsibility to obtain pre-approval, referrals from network physicians, and notify of services.
Inform the Director of Athletic Training Services, Paden Kleinhesselink, see contact below.
Providers rarely send bills and insurance information to the athletic department. This is your responsibility (the department cannot process bills it doesn't have). Following payment by your primary insurance company, send the following to the address listed below.
· ORIGINAL MEDICAL BILLS and
· RECEIPT FOR FIRST OUT OF POCKET $250
· EXPLANATION OF BENEFIT (EOB) from your insurance
Paden Kleinhesselink, M. Ed, LAT, ATC
Director of Athletic Training Services
Central Methodist University
411 Central Methodist Sq.
Fayette, MO 65248
Phone – 660-248-6978
Fax – 660-248-6381
