Athletic Insurance

Dear Student-Athletes, Parents, and Guardians,

The University requires all students taking 12 credits undergraduate or 9 hours graduate study to have adequate health insurance coverage. As permitted by the NCAA, the University at Buffalo provides secondary insurance coverage for all athletically related injuries sustained as a direct result of intercollegiate activities.

These injuries must be reported to the Sports Medicine Department in a timely manner to ensure that proper medical care is provided. Injuries, as determined by the Sports Medicine Department, will be covered when facilitated through the department. Should an athlete choose to be seen outside of the Departments recommendations or without the Departments prior referral, the student-athlete may incur the fiscal responsibility.

This insurance is excess or secondary to any other collectable group insurance benefits.  This means that any claim for benefits must first be filed with the group insurance companies providing coverage to the student-athlete through employers of the parent/guardians or student-athletes.  After these companies have paid all available benefits, our athletic insurance company will then review the claim to determine if any remaining unpaid bills are covered.

If you have any questions about insurance or Athletic related medical billing please contact the insurance coordinator:

Beth Tenore, MS, ATC
20 Alumni Arena
Buffalo, New YorK
Office: 716.645.6471
Fax: 716.645.3085
etenore@buffalo.edu

Additional Medical Services:

Dental Services
As determined by the Sports Medicine Department, injuries to the mouth and associated structures caused during intercollegiate events may be covered similar to other bodily injuries. This coverage is at the discretion of the Sports Medicine Department and is on a case by case basis.

Vision Services
As determined by the Sports Medicine Department, injuries to the eyes and associated structures caused during intercollegiate events may be covered similar to other bodily injuries. This coverage is at the discretion of the Sports Medicine Department and is on a case by case basis.


Frequently asked Questions & Answers:

What to do if you receive a bill?
If you receive a bill please send it ASAP to the insurance coordinator in order to properly pay the bill on time. You can either fax, mail or email the bill to the insurance coordinator.

Why are we requesting the explanations of benefits (EOBs)?
In order to properly pay on the bill we need to know the remaining balance of the bill to ensure proper payment.

What bills get paid?
Only athletic related injuries that happened during an NCAA competition and or practice. The bills also need to pre authorize by The State University of New York at Buffalo Sports Medicine Medical Care Provider and/or Athletic Trainers.

Does the University at Buffalo pay for the entire medical bill?
No, bills must first be processed through your primary insurance company. Then the athletic injury insurance acts as the secondary and will pick up the remainder of the bill. In some circumstances it may not be covered under the secondary insurance.

Does the University require enrollment in the student health insurance plan?
The University requires all students taking 12 credits undergraduate or 9 hours graduate study to have adequate health insurance coverage. All students covered under this university policy will automatically be charged for the University plan on the first qualifying tuition bill for the semester. Students who have adequate private coverage may waive the plan by providing proof of comparable coverage and submitting an on-line waiver by the due date of their tuition bill for the semester. Comparable coverage must be in effect on or before the first day of classes.

More information can be found at these links:

http://www.student-affairs.buffalo.edu/shs/student-health/insurance.php

Domestic Student-Athletes:

http://subboard.com/insurance/domestic.php

International Student-Athletes:

http://www.hthstudents.com