Athletic Insurance Information

The Bemidji State University Athletic department has acquired a secondary insurance policy for our student-athlete’s protection. This policy is a SECONDARY insurance policy only and is intended to be used only after all personal insurance is exhausted. BSU Student-Athletes are required to have their own personal insurance. Because it is a secondary policy it is subject to the following limitations:

1. Only injuries that occur during an officially sanctioned NCAA playing, practice or training session or university sponsored travel to or from competition.

2. Medical expenses will only be covered if the athletic training staff refers the student-athlete. Non-referred visits or expenses will not be covered by this policy and as such, will be considered your responsibility.

3. If you are a member of a HMO (Health Maintenance Organization) or PPO (Preferred Provider Organization), you are encouraged to transfer your primary care clinic to one in the Bemidji area. If you choose not to transfer clinics payment for services MAY NOT be covered by BSU’s secondary policy.

4. During the course of the athletic/academic school year, should a student-athlete’s personal insurance change, the Athletic Training department must be notified immediately. Failure to do so will terminate financial responsibility toward any medical expenses incurred.

5. During the course of the athletic/academic school year, should a student-athlete’s personal insurance be dropped, the student-athlete would then become ineligible to participate in any intercollegiate activities.

6. Secondary coverage is provided for expenses incurred in excess of your primary insurance coverage. Secondary coverage means that any family insurance must first be utilized to its maximum before secondary policy comes into effect. This supplemental coverage is designed to pick up any remaining balance not covered by your personal insurance. The bills incurred will be in the student’s name and must be submitted to the family insurance company. This coverage is limited to medical bills incurred within 104 weeks following the date of injury.