Medical Insurance and Medical Bills Information

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AT IOWA STATE UNIVERSITY
Insurance Information

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Our Coaches, Athletic Trainers and Physicians strive to minimize injuries by providing the best possible protective equipment and by teaching proven strength and conditioning methods. Unfortunately an occasional injury does occur and may require surgery and extensive rehabilitation. We invite you to take a few minutes to review the following information pertaining to student athlete injuries and medical insurance protocol.

When an athlete becomes ill or injured, any group or personal insurance, which is in force, must be considered primary. Our health care providers are asked to file claims directly with the insurance carrier. While Iowa State University is not an insurance carrier we will pay any balance, including deductibles or co-payments on claims directly related to athletic injuries after the primary insurance has paid. The policies specific to Iowa State University insurance coverage is consistent with the majority of Division I Universities and colleges. A letter explaining the insurance coverage will be sent to the parents or guardians. They must complete the form and return it to the Athletics Department. This insurance form must be on file before you will be permitted to participate.

Claims against your medical insurance generally, do not affect the premiums. If you currently have coverage on your student-athlete, we recommend that you maintain that coverage as long as the policy permits for full-time student dependents.

If you incur an athletic injury, the claim is filed first with your insurance company. The bills are sent directly from the provider to the insurance company and a notice is sent to you. The Athletics Department will pay the balance remaining on a bill after the insurance company has paid, and it will pay the entire amount if a claim is denied.

International student-athletes are required by the University to have medical insurance. The fee for this may be covered if you are on a full athletic grant-in-aid; check with the staff in the Office of Compliance.

If you do not have insurance coverage for your student athlete, we strongly recommend that you consider enrollment in Iowa State University's Student Health Service insurance plan. Under this plan, students may buy coverage for the entire year. This plan gives them 24-hour coverage, year round, at school or at home, but does not cover athletic related injuries. Further information can be obtained by calling (515) 294-4820.