Siena College Student Athlete Insurance Protocol
7. Treatments for injury care and prophylactic taping are provided on a first-come, first-serve basis. In-season athletes will be given priority on gamedays.
• Student athlete gets injured. • Athletic trainer and/or physician decides if the student athlete needs to seek further medical attention (ER, X-Rays, MRI, etc.). • The student athlete is to present his/her PRIMARY insurance at the initial visit, scan, or follow-up visits related to injury. • The athletic trainer will fill out a claim form to send to NAGA, Siena Athletics’ secondary insurance for athletic injuries. • The student athlete and his/her parents or guardians are responsible for sending any explanation of benefits and balance due from any office visit, emergency room visit, labs, imaging, and any other treatment or service the student athlete undergoes that is issued by the parent/guardians’ insurance provider to the Siena College Training Room Staff. Siena will then submit to Siena’s secondary insurance provider, NAGA, for payment. • NAGA will either cover the amount due or will send an explanation of benefits to Siena College stating why the amount was not covered. ~ The amount not covered by NAGA will be paid by Siena, provided the reason for the treatment was related to the student’s athletic commitment and that all paperwork was submitted in a timely fashion. • The parents/guardians of the student athlete SHOULD NOT directly pay for any overages that their primary insurer does not cover. Any bills not paid by the parents/guardians’ insurance provider along with the explanation of benefits must be submitted to the Siena Athletics Training Staff in a timely manner, so that it can be submitted to NAGA for payment. Not providing this information to Siena in a timely manner could impact Siena’s ability to submit the claim to NAGA. ~ Siena may not be responsible for medical payments beyond what the student athletes’ primary insurance covers IF the medical bills are not presented to the Training Staff in a timely manner. • Siena will cover any co-pays if the injury is the result of the student athletes’ athletic commitment.
8. Training room equipment shall not be taken from the training room without permission from the trainers. 9. The telephone in the training room is for staff use only. 10. At certain times, the training room can become crowded. Should this occur, an athlete could be asked to leave the room until an available slot opens up. The athlete who is asked to leave the room is expected to show cooperation, since an overly-crowded room can only hinder the staff from working as expeditiously as possible. 11. An athlete who has any special needs or concerns should see the Head Athletic Trainer or the Director of Sports Medicine. Our goal is to meet everyone’s needs. 12. OSHA health standards and guidelines are followed by the training room staff. These rules are for your protection, as well as ours. Please report all open wounds, scratches, abrasions, turf burns, etc. to a member of the training room staff for proper care. 13. A trainer will be present at all home events. Coverage of away events and practices will be provided as staffing allows. 14. Our goal is to return a healthy, functional athlete to the playing field. We are not here to force athletes into competition, nor are we making an attempt to detract from an athlete’s participation time. The sports medicine staff will make decisions about treatment, taping and training room administration. These decisions are final.
Intercollegiate Athletics Insurance Policies and Procedures Siena College provides supplemental athletic accident and medical insurance for all injuries sustained during supervised practice and contests. Injuries sustained out-of-season, at unsupervised/voluntary sessions, in intramural or in non-intercollegiate athletic situations are not covered. Illness and other health-related problems are not included.
All student athletes must annually complete insurance information through the department’s online form system. If this information is not on file in the intercollegiate athletic office, the student athlete will not be permitted to practice or compete.
The College Health Service offers student insurance which covers such instances for a nominal fee. The Intercollegiate Athletic Department strongly recommends that the parent(s) or guardian(s) maintain coverage for the student athlete under their current policy or purchase the insurance available through Health Service. Insurance information MUST be updated with the Athletic Office annually.
NCAA Catastrophic Injury Insurance Program The Catastrophic Injury Insurance Program sponsored by the NCAA is an insurance program that covers the student athlete who is catastrophically injured while participating in a covered intercollegiate athletic activity. The policy has a $75,000 deductible and provides coverage in excess of any other valid and collectible insurance.
The Siena College policy is in excess of the family insurance and requires the family policy to serve as the primary coverage. Unlike automobile insurance, claims made against the family policy will not increase the premium.
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