STUDENT INSURANCE INFORMATION

The National Collegiate Athletic Association (NCAA) requires all student-athletes (athletes) to maintain current medical insurance coverage through individual, parental, or institutional medical insurance plans up to $90,000.00.
 
HPU purchases a secondary athletic insurance coverage to cover student-athletes from $10,000.00 to $90,000.00 per accident/ injury that occurred during an NCAA/ HPU sanctioned event. 

To play or practice intercollegiate sports at Howard Payne University (HPU), each athlete must have and maintain primary health insurance carried through their parent’s insurance, student-athlete’s employer, or the insurance market place.  Please see your coach or the athletic training staff for information on additional resources in securing primary health insurance. 

The HPU athletic accident plan do NOT cover sickness/ illness (such as infectious diseases).
Student athletes must work within his/her system for medical treatment. Approval must be obtained from the athletic training staff before seeking treatment.

If the athlete sustains an injury the athlete’s primary insurance will pay first. .

Deductibles, co-payments, co-insurance, etc. are the responsibility of the athlete or his/her parent/guardian while the claim is being filed.
If the cost of a covered injury (athletic injury sustained during an NCAA/HPU sanctioned event) exceeds $10,000.00 then a claim will be filed with HPU’s secondary athletic insurance plan (see below).

Sanctioned events include games, practice, conditioning, and team travel to and from.

It is the responsibility of the athlete or his/her parent/guardian to provide the explanation of benefits and bills for expenses exceeding $10,000 to the HPU athletic training staff for proper claims handling.
 
Please remember to advise the Athletic Training Department immediately upon any change in your medical insurance coverage. An athlete is not allowed to practice or patriciate per NCAA regulations without current medical insurance coverage