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ATHLETIC INSURANCE


1. SCOPE OF COVERAGE

All medical expenses incurred, as a result of athletic participation at the University of Houston will be filed through the student-athlete's health insurance primarily, if they have a parent primary insurance. The University of Houston will fill out a secondary claim and be responsible for the remainder of the charges. If a student-athlete does not have parent primary insurance, the UH secondary will serve as the primary insurance. There will be no out of pocket expense to the parent/guardian for injuries/illness incurred as a result of athletic participation for the University of Houston. Medical expenses due to illness or injury suffered by the student-athlete for any reason other than during athletic participation will be the responsibility of the student-athlete.

Student-athletes can only be examined by the team physician or a designated replacement. Visits to any non-designated physician or unauthorized visits to the team physicians will result in the financial responsibility falling into the hands of the student-athlete. The team physician is the only one designated to send an athlete to a specialist.

2. REFERRAL TO MEDICAL SPECIALIST

Once an injury occurs and has been reported to an athletic training staff member, the student-athlete may be referred to a physician if necessary. An authorization form must be filled out and signed by a staff athletic trainer. The form must then be sent with the student-athlete to the physician's office with a copy of the athlete's primary insurance.

3. CLAIMS PROCESSING

A. Fill out NAHGA claim form
B. Fax NAHGA claim form w/ primary insurance

4. PROCEDURE FOR STATEMENT OF PRIMARY INSURANCE

University of Houston Student-athletes coming in for their pre-participation physicals are required to show proof of primary health care insurance. If a student-athlete does not have primary health care insurance, they will be referred to our compliance office and the compliance office will determine the athlete's eligibility.

5. INTERNATIONAL STUDENT-ATHLETE INSURANCE POLICY

All University of Houston international student-athletes will purchase their health care insurance through the University and the company designated by the Sports Medicine Department. This plan will provide health care insurance and an athletic rider.

Since international health insurance is part of a cost of attendance and the NCAA has adopted cost of attendance legislation, a full scholarship athlete's international health insurance fee will be directly applied to their account/bill via scholarship. A partial scholarship student who has their scholarship designated to pay the international health insurance fee will follow the same process. If they do not have scholarship or their scholarship does not cover the fee, they may request to have the student assistance fund (SAF) cover the cost for them. They must fill out the SAF application each semester and be approved in order for it to be covered.

6. WALK-ON STUDENT-ATHLETES

All walk-on student-athletes are required to provide their own health insurance policy.

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