By Don Allord, USA Hockey’s Central District Risk Manager
Did you know that by registering as a member of USA Hockey you are automatically enrolled in the USA Hockey insurance program? Your participation and registration with USAH afford you insurance coverage in 5 different areas: Excess Accident, Catastrophic, Liability, Directors & Officers Liability and Crime. In this 5-part series, Central District Risk Manager, Don Allord takes an in depth look at each of the areas of coverage. Part II of our series focuses on Participant Claim Filing Tips Under USA Hockey Excess Medical Plan.
PART II: Participant Claim Filing Tips Under USA Hockey Excess Medical Plan
If you are a registered USA Hockey member and you are injured while participating in a USA Hockey sanctioned event, follow these procedures:
- At the hospital or doctor’s office always provide them with you individual, employer (or other) health plan as your primary plan.
- The USAH plan requires that treatment following an injury must occur within 30 days from the injury date.
The Next Business Day
- Call your local program Registrar to request a claim form, or, call USA Hockey at 800-566-3288 x123. If you have no other plan, your USAH insurance will be primary with a $3,500 deductible. Officials should contact the District Referee-In-Chief for the claim form.
- Do not delay getting a claim form or submitting to K&K Insurance. The policy has a timely filing provision. Upon receipt of your claim, K&K will send an acknowledgment letter and highlights of the coverage/limitations of the plan. DO NOT WAIT UNTIL YOUR PRIMARY INSURANCE HAS COMPLETELY FINISHED YOUR CLAIM BEFORE SENDING IN YOUR USAH CLAIM FORM.
- Submit your claim form with proof of your USAH membership.
- ONLY CLAIMS ARISING OUT OF A USAH SANCTIONED ACTIVITY WILL BE COVERED. (On-ice events are sanctioned by your Registrar. Off-ice activities are sanctioned by your USAH District Risk Manager. Examples: dryland training, fundraising events or meetings that need Proof of Insurance, etc.)
- By giving all your medical providers both your primary and secondary information, they will automatically send us the proper itemized medical bill. K&K will be able to request information from your medical providers. All medical bills must be in itemized form with dates of service, diagnosis codes and procedure codes to be accepted.
- If you have paid any of your medical expenses, indicate that clearly on the medical bills and payment will be sent to you.
IF YOU HAVE ANY QUESTIONS ABOUT YOUR CLAIM AFTER IT HAS BEEN FILED, call K&K Insurance at 800/237-2917 option #2. Do not call K&K before the claim is filed. All questions may be directed to the Central District Risk Manager.
Up Next – PART III: Catastrophic Coverage