Insurance Questions

 

Westmont Sports Medicine strongly recommends that student-athletes have health insurance coverage before participating in any practice, game or competition. The student-athlete’s insurance is considered the primary insurance coverage for all athletic related injuries. All student-athletes must supply a photocopy (front & back) of their health insurance card on a yearly basis.

Westmont College offers an Intercollegiate Athletic Accident Insurance Plan, which provides a medical and catastrophic insurance program for its student-athletes. This policy, however, is secondary to, or in excess of, personal family medical insurance coverage, and covers only injuries, illnesses and accidents resulting from the direct participation in the intercollegiate athletics program.

What happens if my son or daughter does not have primary medical insurance?

If your son or daughter does not have primary medical insurance, Westmont College’s secondary insurance policy may cover the expenses resulting from athletic related injuries. The parents will be responsible for medical costs not covered by the secondary insurance. Westmont College’s secondary insurance policy will not cover expenses resulting from non-athletic related injuries or illnesses.

What happens if my son or daughter’s primary medical insurance does not cover an athletic related injury or illness?

If your son or daughter’s primary medical insurance does not cover an athletic related injury or illness, the college’s secondary insurance will help cover the expenses. There may be a remaining balance that is the parents’ responsibility.

We recently changed insurance policies. Who should we notify?

Westmont College Sports Medicine must receive any changes to a health insurance policy as soon as they occur. If proper notification is not received, Westmont College Intercollegiate Athletics is not responsible for any delays in payment, collections notices, credit reports, etc. that occur.

We received a bill or collection notice in the mail, what do I do?

The student-athlete will receive bills and statements for an injuries that occur as a direct result of participation in intercollegiate athletics at Westmont College. The student-athlete can bring the bills and statements to the ceterified athletic trainers for help with interpretion. Often additional information is needed by the medical provider or insurance company. Westmont College Athletics will not be responsible for any delays in payment, collections notices, credit reports, etc. that occur due to bills not being opened and processed by the student-athlete. Submit all correspondence to:
    Westmont College Sports Medicine
    Athletics
    955 La Paz Road
    Santa Barbara, CA 93108
    FAX: 805-565-7242
    Email: maria@hayashidapt.com

Are there insurance exclusions and limitations?

Please refer to PIA booklet for any questions about coverage and limitations.

My son or daughter was injuried, what should she do?

Any Westmont College athlete who is injured must immediately report the injury or illness to a member of the Westmont College Sports Medicine team. Costs pertaining to an injury not reported in a timely manner (60 days) may be the responsibility of the student-athlete and his or her parents or guardians.

Are there insurance exclusions and limitations?

Is it ok for my son or daughter to see an out of town healthcare provider?

At times, it may be necessary for a student-athlete to utilize an out-of-town physician or physical therapy facility. Such referrals must come from a member of the Westmont Sports Medicine team. If a referral is not obtained, the student-athlete and the student athlete’s parents or guardians will be financially responsible for any and all medical bills incurred. Referrals need to be filled out before services are rendered.

Can my son or daughter decide on their own to go see a physician?

All student-athletes must be seen and evaluated by Westmont College certified athletic trainer before a referral to a physician will be made. All athletes will be assisted in their desire to seek a physician referral. A member of the Westmont College Sports Medicine team must authorize and properly refer all student-athletes to see a physician or medical consultant or for diagnostic tests. If a student-athlete decides to see a physician or medical consultant or undergo a diagnostic test without prior authorization and referral from a member of the Westmont College Sports Medicine team, the student-athlete and the student athlete’s parents or guardians will be financially responsible for any and all medical bills incurred.

We have Kaiser insurance, does that make a difference?

Athletes who are covered under Kaiser insurance must use the preferred providers listed below. If you wish for your son or daughter to see one of our team physicians, please check with your Kaiser plan to see the cost of going to a non-plan provider.

  • Emergency: Cottage Hospital in Santa Barbara
  • Urgent Care: West Ventura Urgent Care. Phone: 805-641-5620
  • Orthopedics: Buena Vista Medical Group. Phone: 805-477-6252
  • Hospital: Community Memorial Hospital Ventura. Phone: 805-652-50111

www.kaiserpermanente.org

We have an HMO. Should my son or daughter change primary physicians?

If a student-athlete’s primary insurance coverage is through an HMO or managed care, Westmont Sports Medicine strongly encourages the student-athlete to change the primary care physician (PCP) to a local physician in the Santa Barbara area. This will allow the student-athlete to have a network of physicians in the immediate area, as well as avoid likely delays or an inability to receive medical care for athletic and non-athletic related injuries or illnesses. A member of the Westmont Sports Medicine Team can assist in this process.

Who do I contact with questions about claims?

Personal Insurance Administrators, Inc.
P.O. Box 6040
Aguora Hills, CA 91376-6040
Phone: 1-800-468-4343