Insurance Coverage

The University of Minnesota requires that you retain US health insurance while enrolled as a student at the University of Minnesota. The University of Minnesota Department of Intercollegiate Athletics requires that all student-athletes have health plan coverage as a condition of participation in any athletic activity.

UNIVERSITY OF MINNESOTA HEALTH PLAN COVERAGE REQUIREMENTS
Students who are: 1) admitted to a degree program; and 2) registered for six or more credits per semester that count towards the automatic assessment of the Student Services Fee; are required by the University of Minnesota to have health plan coverage. Students who meet both of these criteria are eligible for enrollment in the University-sponsored Student Health Benefit Plan.

Please contact the Office of Student Health Benefits to determine exact eligibility status. Please note that this requirement does NOT obligate student-athletes to enroll in the SHBP.

Enrollment in Student Health Benefits Plan
All eligible students who wish to take advantage of the 2017-18 academic year SHBP must complete the enrollment process prior to the start of each new term.

Step 1. Online Enrollment
When registering for classes online, every student will see a screen that instructs them to enter health plan information. Students who wish to enroll in the SHBP should select the option "I wish to enroll in the University-sponsored Student Health Benefit Plan". If eligible, the student will be enrolled in the plan and a charge will be added to their University account. The cost of this plan for the 2016-17 academic year is approximately $1,000 per semester. The student-athlete will be covered during the summer if they are on the SHBP for the Spring semester.

Step 2. Update One Stop
Make sure your U.S. Mail address is your current campus address. This is the address to which your plan card and information will be mailed.

Students who do not wish to enroll in the Student Health Benefit Plan must provide verifiable health plan information at the time they register for classes (name of company providing health plan, phone, member ID, etc.). This information is subject to audit. Students must enter this information each semester during their registration for classes. Should the University not be able to verify health plan coverage for a student, the student will automatically be enrolled in the SHBP and a charge will be added to their University account. In addition, the Department of Intercollegiate Athletics will not allow the student-athlete to participate in athletic activities until health plan coverage can be verified.

For more information regarding the Student Health Benefit Plan including plan details, enrolling dependents, etc., please contact the Office of Student Health Benefits at (612) 624-0627 or 1-800-232-9017 or visit the website: http://shb.umn.edu/health-plans/shbp-home.

STUDENT-ATHLETE HEALTH PLAN INFORMATION
Deb Hoffoss serves as the Athletic Medicine Insurance Coordinator for Intercollegiate Athletics.

Contact information:
516 -15th Ave SE, Rm 190
Minneapolis, MN 55455
Office: 612-626-2066
Fax: 612-626-4789
Email: hoffo003@umn.edu

The Demographics/Insurance Information form must be filled out completely and returned to Deb Hoffoss as soon as possible. Along with the completed form, please send a copy (FRONT and BACK) of all insurance cards (e.g., medical, dental, prescription drugs).

Please list any plan restrictions including if the insurance policy is a Preferred Provider Organization (PPO), a Health Maintenance Organization (HMO), Health Reimbursement Arrangement (HRA) or a Health Savings Account (HSA). Please provide additional information regarding deductibles, HSA or HRA fund amounts, pre-certification or prior authorizations necessary for medical appointments, special testing, referrals and surgery. Also provide information on secondary insurance policies as well.

To ensure the best medical coverage for your son/daughter, we recommend the following health plan coverage for student athletes:

1. Available coverage in Minnesota either through an existing network or through some type of "away from home" care (see below).

2. A maximum annual deductible of $3,000.00/family.

Many health plans provide an "away from home care" or "open access" policy. Please call your health plan to make sure the student-athlete is covered while attending the University of Minnesota. Contact the Human Resource's coordinator for the policy holder's employer to find out if this option is available.

For those with HMO policies, contact the HMO carrier to have the student-athlete's primary clinic changed to one of the following options:

1) University of Minnesota Physicians Bierman Clinic, 516 15th Ave SE, Minneapolis, MN 55455

2) MHealth Clinics and Surgery Center, 909 Fulton Street SE, Minneapolis, MN 55455

3) Request "open access" coverage if available under this plan, or

4) Request a standing referral from the student-athlete's current primary care physician. This referral may apply for one year without the need to establish a referral each time the student-athlete needs to see a physician.

For payment of all medical claims, we may request the assistance of the policy holder for the resolution of the bill and/or HSA/HRA.

It is the responsibility of the policy holder (parent or student athlete) to inform the University of Minnesota of any changes to their health plan information. Failure to do so may result in delays in authorizing care and/or payment. Additionally, the student-athlete may be financially responsible for all expenses incurred during any lapses in health plan coverage, regardless of whether the injury is caused through participation in athletics or otherwise.

PROCESSING INSURANCE CLAIMS
If the student-athlete requires medical treatment while participating in intercollegiate athletics at the University of Minnesota, the following steps will be followed:

1. Claims are filed by the physician or clinic with the student-athlete's primary insurance for all medical expenses, whether or not they are athletic related. If there is secondary insurance, the charges will be filed with that insurance company as well.

2. Claims will be filed with the HRA/HSA, also. The process for filing will vary from employer to employer, and some HRA accounts will pay the expenses automatically.

3. The student-athlete/parent receives an Explanation of Benefits (EOB) and a statement (bill) for services provided.

4. All statements (bills/invoices) and the EOB's should be forwarded to the Athletic Medicine Insurance Coordinator:

Deb Hoffoss
University of Minnesota
Department of Athletics
516 -15th Ave SE, Rm 190
Minneapolis, MN 55455
Fax: 612-626-4789
Email: hoffo003@umn.edu

5. Upon receipt, the Insurance Coordinator will verify the statement is for athletic related medical expenses. If not, the statements will be returned to the student-athlete/parent. The statements will also be returned if there is a HRA or HSA to cover expenses.

6. If the expenses are athletic related, the Insurance Coordinator will contact the provider and request copies of the itemized statements and EOBs be forwarded to the Department of Athletic Medicine.

The time in which the provider and your insurance company process the claim varies from 30 to 60 days or longer. The student athlete/parent will continue to receive statements during this time.

7. When all insurance companies have made their determinations and the documentation has been forwarded to the Athletic Medicine Department, the Insurance Coordinator will document the information and request payment be sent to the provider. The time for this process is typically 30 days.

Commonly Asked Questions

What expenses can be paid by the Athletic Department?
After primary and secondary insurances have processed the claim and paid, the U of M Department of Athletics will pay any additional athletic related medical expenses for preapproved care and treatment.

What is an athletic related medical expense?
Athletic related medical expenses are defined as those medical expenses occurring while a student-athlete is representing the University of Minnesota in a formal intercollegiate activity, which is supervised by a University of Minnesota coach.  Expenses due to any other injury/illness are not covered by the University of Minnesota Intercollegiate Athletic Department and are the financial responsibility of the student-athlete.

When will the University of Minnesota Department of Athletics pay the bills?
AFTER your group or personal health plan (and secondary health plan and/or health savings accounts when available) has processed the claim, the University of Minnesota Department of Athletics will pay balances due for athletic related medical expenses (including deductibles and copayments).

How will I know if and how my health plan made payments?
When your health plan has processed a claim for medical expenses, you will be sent an Explanation of Benefits (EOB) which will define exactly how the claim was calculated and to whom payment was made. IMPORTANT: do not throw the EOB away.

What should I do with the EOB I receive from my health plan?
ALWAYS forward a copy to us at the address below.  The insurance coordinator will make payment of any approved medical expenses direct to the health care provider.

What do I do if I receive a bill for medical services for an athletic injury?
Forward the bill immediately to the insurance coordinator in the Athletic Medicine Department.  Our department will review the bill in question and consider it for immediate payment or request that the health care provider file a claim with your personal or group health plan.

What should I do if I receive a check with my EOB?
If you receive a check from your health plan, and you have not made payment directly to your provider, you can assume the provider has not been paid.  You should forward the check to your provider immediately.  Please keep in mind the University of Minnesota Department of Athletics will make payments based upon the information supplied by the insurance company. We will not pay the provider for any amounts you received from your insurance company.

What type of documents should I forward to the Department of Athletics Insurance Coordinator?
For athletic related medical expenses, any bills, statements, EOBs or other documents received from a provider or your insurance company should be forwarded to the Insurance Coordinator immediately.  You can also send documents to the Insurance Coordinator if you are unsure about coverage.  They will be reviewed and you will be contacted if you are responsible for payment. If the Department of Athletics will be responsible for payment, the Insurance Coordinator will request the required documentation.

Do I need to update my insurance information with the Department of Athletics yearly and provide a copy of the front and back of my current insurance card?
Yes.  The University of Minnesota requires that all students carry usable insurance.  In addition, any changes to your insurance during the school year should be communicated immediately to the Insurance Coordinator.

What should I do if my insurance coverage lapses or terminates?
Please contact the Insurance Coordinator immediately for assistance in obtaining medical insurance coverage for your son or daughter.

Please feel free to contact the Insurance Coordinator if you have any questions

Deb Hoffoss
Bierman Athletic Medicine
516 - 15th Avenue SE, Rm 190
Minneapolis, MN  55455
Phone: 612-626-2066
Fax: 612-626-4789
Email: hoffo003@umn.edu

 

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