We are pleased to announce that BJA is providing a student accident plan for the 2017-2018 school year! While we hope you will not need it, I want to make you aware that it exists in the event that your student has an injury while involved in a school event. As with any insurance plan, the terms are specified within the policy itself; this article is simply an overview of how the plan may potentially help you.
The insurance provides benefits to assist with medical expenses beyond the coverage of your primary care policy for injuries incurred while at school or a school activity. There is both basic and catastrophic coverage. This is not health insurance and, therefore, does not cover sickness or allergies. All enrolled students, day campers, and volunteer workers (base plan only) are automatically covered. It includes normal school related activities that occur on campus, traveling with a school group to participate in a school related event, and participating as a team member on a sports team.
If your child incurs an injury, you may contact the office for a BMI Benefits insurance claim form that you will need to fill out. There is a portion of the form that the school will need to fill out and sign. When you pick up the form, we will also give you the name of the insurance service agent who will assist you through the process. You will be asked to attach copies of your medical bills and primary insurance carrier’s information and submit the documents to the insurance company.
So, if your daughter is injured while playing volleyball or your son trips, falls, and is injured while heading to his next class, you can submit an accident insurance claim that may assist you with the portion of the bills that your primary insurance carrier does not cover such as deductibles and co-pays. Many health insurance plans have high deductibles and plan limits that leave parents with high bills. This excess policy is intended to provide you with some protection.
I hope that this benefit comes as good news to you, but, more importantly, let’s pray that we have a safe year!