What if I belong to an HMO?
If you belong to a Health Maintenance Organization (HMO), you are limited to the HMO's physician and facilities. Send
us specific instructions, requirements, and/or limitations which may be included with the policy. This information is
necessary for the claims process to be filed correctly. Failure to follow the proper HMO procedures will void your
eligibility for coverage under the athletic department's secondary insurance.
Which physicians can an athlete see under the secondary insurance plan?
For an athlete to be covered under the Athletic Department's secondary insurance, they may be seen only by
participants in our Sports Medicine network. This network is composed of a wide range of specialists from VCU Health
and the local medical community. This group provides the best possible health care to William & Mary athletes. We
formed this network to ensure accurate and continuous communication between the physicians and the Sports
Medicine staff.
Prior written authorization must be granted by a Sports Medicine network physician if an athlete wishes to seek medical
attention outside of the network. Authorization is granted only in cases where our consulting physicians cannot provide
the required care. If an athlete seeks a second opinion or care from an out-of-network provider, they will be medically
ineligible to participate in athletics or utilize the services of the William & Mary Sports Medicine Program until medical
records are received and reviewed by the Sports Medicine staff. The athlete has the responsibility to see that the
physician forwards all requested information. You also assume financial responsibility for any travel cost and the
services of that provider. Our secondary insurance cannot be applied to those services.
Towards which bills can the secondary insurance coverage be applied?
The Athletic Department's secondary insurance can be applied only to those bills for an athletic injury:
1. Injury is reported to the Sports Medicine staff within 24 hours of occurrence,
2. When prior approval for a referral was granted through the Sports Medicine staff,
3. When the care has been coordinated through the Sports Medicine staff,
4. For services rendered by participants in the Sports Medicine network and their specific written referral,
5. For care rendered within 104 weeks of the date of injury, and
6. Your insurance company has responded to and resolved all claims.
What types of things are not covered under secondary insurance?
• Any injury sustained in an activity that is not associated with a required intercollegiate practice or competition
supervised by a coach.
• A chronic or recurrent injury that was sustained prior to participation in athletics at William & Mary.
• Any degenerative condition as diagnosed by a physician.
• Any illness (cold, flu, infection, etc.).
• Unauthorized consultations or treatments.
• Conditions because of non-compliance with school's policies, team rules, or the advice of the team physician,
attending physicians, the athletic trainers or coach.
• Any injury that is not reported to the athletic trainers within 24 hours of occurrence or onset of symptoms.
• Costs, including travel, associated with second opinions.
What are the parent's and/or athlete's responsibilities?
It must be clearly understood that you and/or your child are financially responsible for all charges for the care of
an athletic injury and the resolution of all claims. The Athletic Department at William & Mary assumes no financial
liability for expenses generated for medical care of an athlete. We will try to relieve any financial burden that may occur
from the care of athletic injuries through the department's secondary insurance policy. However, this is not an all-
inclusive policy and benefits will be applied subject to the terms and limitations of this policy.
In addition, the parents and/or athlete have the responsibility to follow the proper procedure to access the secondary
insurance policy to seek benefits for charges that arise from an athletic injury. Again, all charges are ultimately the
responsibility of the athlete. Therefore, if the threat of collection or garnishment arises from an unpaid bill, the parents
and/or athletes are strongly urged to pay all balances to avoid harm to his or her credit rather than wait for the
insurance company to decide on benefits.