The intent of this letter is to explain our insurance coverage and procedures in the unfortunate event that you become injured while participating in intercollegiate athletics. All athletes at Hampden-Sydney College must have primary health insurance before they are allowed to participate in intercollegiate athletics. To that end, Hampden-Sydney carries a supplemental policy for its athletes that will cover expenses after the students' primary insurance has provided its benefits.
In the unfortunate event that you are accidentally injured and generate medical expenses, the following procedure is in place.
A. You should present your primary insurance company address and policy number to the attending physician. (This is your insurance company)
B. All medical claims will be filed with the policyholder's primary insurance company.
C. Once the primary insurance company has paid its portion of the claim, please send us the remaining balance of the bill, along with an Explanation of Benefits. We will then send these to our insurance group for payment.
Please be advised that this process can take several weeks or even months to complete.
This is only an excess policy covering the portion not covered by the primary policy. If the primary company denies benefits, Hampden-Sydney's secondary policy may not assume the entire cost of the bill. The athletic excess policy will not cover any deductibles or co-pays.
Please be advised that if you are submitting an HMO or PPO as your primary carrier, that these companies often will not provide benefits if your son is seen out of their "network" of physicians. In the event that your son is injured here at Hampden-Sydney and needs to see a doctor, your company may not pay for the visit unless he comes home. As you know, this is not always feasible, especially in the event of a serious injury. The cost of that treatment will have to be paid by you. You may check with your insurance company to see if our orthopedist is in their network. Our orthopedist is Dr. Julious "Jody" Smith, 5899 Bremo Rd. Suite 100, Richmond, VA, 23226. He is associated with the West End Orthopedic Clinic.
Remember! Hampden-Sydney Colleges' athletic supplemental insurance policy covers only new injuries that are sustained during NCAA sanctioned competition or supervised practice. Pre-existing injuries, off-season (any period not specified by the NCAA as sanctioned practice, or weight lifting in the off-season) injuries, captain's practice, injuries incurred during the season that are not directly related to in-season competition or a supervised practice are not covered. Second opinions will not be covered without the consultation of the team physician and athletic training staff. If additional appointments are made without consultation, your primary insurance company will be the sole provider.