Healthcare/college baseball question

It might have changed, but I believe that it is (or was) against NCAA rules for an institution to pay for non-athletic injuries/illnesses. Therefore the student-athlete and his family would be responsible for those bills.

Universities do offer (relatively) cheap insurance plans for students..

Universities have inexpensive insurance plans. However their coverage typically has low ceilings. A major situation could end up costs the kid 100K. A better approach might be looking into a 5K or 10K deductible plan. If something serious occurs that's the most the kid can be financially responsible. However, the bill can usually be negotiated down about 2/3rds with the hospital admin office.

Good idea on the university health plan. My wife and I will probably end up paying for this.

But do you HAVE to have it.

Great kid but his parents are morons. I couldn't sleep at night if my kids didn't have insurance.

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Originally posted by Mizzoubaseball:
Good idea on the university health plan. My wife and I will probably end up paying for this.

But do you HAVE to have it.

Great kid but his parents are morons. I couldn't sleep at night if my kids didn't have insurance.

Be very careful with the university plans. They often have pay out per day ceilings or a max per year ceiling at can leave the patient with tens of thousands of dollars in bills. I saw one with a $200 per day max and 10K per year. The average daily cost in the hospitals is about 1k a day before they even touch you.

First most Universities require health insurance and it a must to play baseball. We found that it was cheaper to put my son on the University plan, that covered up to $100K but with the student health center it was much more seamless than our plan that was out of state for him. I also got him a supplemental high deductible plan that covers up to $7M for any serious injuries. Then NCAA also provides a secondary plan for baseball players but they also have limits and as Corey Hahn (U of Arizona) found out it does not provide much coverage for, God forbid, a really serious injury.

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Then NCAA also provides a secondary plan for baseball players but they also have limits and as Corey Hahn (U of Arizona) found out it does not provide much coverage for, God forbid, a really serious injury.

Hahn was at ASU and not U of A, but I'd bet the rules are the same...

My son recently had surgery on his hip that occurred while playing baseball at his college. Our insurance was primary and whatever our insurance didn't cover the University's insurance will pick up. It may be different at other schools. This would be a good question to ask your trainer or coach at your school.

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Our insurance was primary and whatever our insurance didn't cover the University's insurance will pick up.

Thats the way our sons school is. It is clearly defined in the student/athlete handbook. The OP can probably find that info on any particular school they are interested in. Sons school is pretty specific on what hospitals and clinics are used so parents can make sure their policy is sufficient.

thats a good idea on a supplemental, I will have to check that out.

I questioned my sons coaches directly about this while he was being recruited and they picked up all the cost my ins. did not pay. Good thing too because he broke his hand in the top of the first in his second game in college. The university handled it very well. Your mileage may vary, this was a private college, not a state school.

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Originally posted by LauraZA:
My son recently had surgery on his hip that occurred while playing baseball at his college. Our insurance was primary and whatever our insurance didn't cover the University's insurance will pick up. It may be different at other schools. This would be a good question to ask your trainer or coach at your school.

My son had elbow surgery using the schools doctor and his situation worked the same way. My insurance was primary, then I forwarded the EOB to the school's insurance; although this did take quite a long time and I had to spend some time following up. We never received a bill or had to outlay any deductibles or copays.