Insurance

Loyola University New Orleans will provide an excess insurance plan and the insurer is called a “secondary insurance provider”. Loyola University New Orleans’ insurance provider is AETNA/Summit America.

Loyola University New Orleans will only be responsible for the care of injuries incurred by an athlete during a team’s traditional season, i.e., from the official beginning of practice to the last game of the season, including playoff games beyond the regular season. This includes participation and play/practice of an intercollegiate sport as a team. One exception is injuries obtained during off-season conditioning of an intercollegiate sport supervised by a member of the coaching staff or athletic trainer.

A student athlete must have primary insurance to practice or compete. If a student athlete does not have primary insurance, an affordable primary insurance plan is available. More information regarding obtaining suitable insurance plan can be found by contacting your head coach. Parents make sure that your primary insurance provider will cover the student athlete in the State of Louisiana.

When an injury occurs, the student athlete must contact the Loyola University New Orleans trainer. The trainer will fill out a claim form which will be submitted to AETNA/Summit America. The student athlete must file a claim with his/her primary insurance provider or any other medical insurance provider with whom the athlete may be insured.

After the first visit or treatment following an injury, for each subsequent visits ,the student athlete must inform the clinic/doctor/hospital that Loyola provides secondary insurance through AETNA/Summit America.

Upon receipt of a bill, the remaining balance may be submitted to the “secondary insurance provider”. Be advised that our “secondary insurance provider” has a $250 deductible. They will cover only the balance of the bill that your insurance company deemed by them a “reasonable and customary”, (R&C).

Any charge over the “R&C” charge as determined by your primary insurance company is the patient’s responsibility not Loyola’s. All applicable itemized bills and corresponding records of payment or denial of payment must also be submitted to the secondary provider.

AETNA/Summit America will need an explanation of benefits from your primary insurance company. Be advised that the student athlete’s injury will only be covered for a period of two years.

All appointments for medical services relating to athletic injuries must be made through the athletic trainer for Loyola University athletic insurance coverage to be in effect. Other arrangements must be approved by the athletic trainer or team physician. Any cost associated with medical services not made at the direction of the athletic trainer or team physician, will be the sole financial responsibility of the individual and his/her personal insurance.

Student athletes are also enrolled in a Lifetime Catastrophic Insurance policy that provides benefits for catastrophic injuries.

Some medical conditions which are preexisting to initial participation, or which occur outside of Loyola University athletic participation, are not insured or covered by Loyola University’s secondary insurance.

Financial and insurance coverage does not exist for new injuries/medical conditions which arise/occur following the last date of competition eligibility in one’s designated sport.

The secondary insurance does not cover general medical illnesses incurred by the student athlete. Non athletic illnesses should be handled by student health or one’s primary personal physician and primary insurance coverage. All non athletic illnesses should be reported to the Loyola University trainer and the student athlete’s Head Coach.

Loyola University’s secondary insurance does not cover off-campus, summer workouts or competition or injuries that are not a direct result of official athletic activity.

All athletes must submit the “Emergency/Medical/Insurance Form” before they can practice or workout with a team.

 

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