ATHLETIC INSURANCE INFORMATION
Personal insurance: All Truman athletes are required to have their own personal insurance to participate in athletics.
Truman Athletic Insurance: Truman State Athletics carries a secondary insurance plan for all athletes. This policy covers injuries that occur in participating in official practice and game activities.
PERSONAL INSURANCE
You must have health insurance in order to participate in Truman athletics. You will not be allowed to participate without proof of a personal insurance policy. If you do not have personal insurance, you may consider the following options:
TRUMAN ATHLETIC INSURANCE
Truman State University’s athletic department carries a secondary athletic insurance policy on all Truman athletes. This policy pays expenses after the student-athlete’s personal insurance has paid.
This policy only covers expenses that are a direct result participation in supervised, official athletic practices and competitions. Injuries will only be covered if they have been reported and documented by the athletic training staff.
Covered expenses include:
- Injuries that occur as a result of athletic participation
- Covers medical charges for one year after the injury
- Physician visits
- Diagnostic tests
- Surgery
- Rehabilitation
***Truman's insurance provide coverage for
ONE year after the date of injury***
Truman'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 Truman's policy. Injuries that are a result of “wear and tear” from years of athletic activity are not covered. Some examples
non-covered expenses include:
- Illnesses
- Injuries that occur during the summer, captain’s practices, open gym
- Pre-existing conditions
- Medications
- Experimental treatments
- Injuries that are caused by personal accidents
- Injuries resulting from emotional reactions such as hitting, punching, kicking, etc.
- Injuries that occur riding on the bus
- Chiropractor visits
- Orthotics
IF YOU HAVE MEDICAL EXPENSES AS A RESULT OF ATHLETIC PARTICIPATION
- The student athlete must work with Truman’s insurance coordinator to ensure all bills are paid.
- Submit all bills to your personal insurance.
- Once your insurance has considered the bills, submit the remainder of each bill to the Athletic Insurance Coordinator.
- Each bill must be accompanied by the following
- Explanation of Benefits (EOB) from the student’s primary insurance.
- Itemized bill that includes billing codes (i.e. HCFA form - or - UB-O4 form)
Truman Athletic Insurance Coordinator
100 East Normal
212 Pershing Building
Kirksville, MO 63501
athleticsinsurance@truman.edu
(660)785-7521
Fax: (660)785-4166
