WIAA Concussion Insurance
The HeadStrong Concussion Insurance Program was specifically developed to insure student athletes from the high cost of concussion treatment and neurological follow up. There is no cost to member schools. The premium is paid by the WIAA. The student athlete has ‘first dollar’ coverage (zero deductible) for concussion assessment and treatment. Coverage is secondary/excess to any other valid and collectable insurance but will become the primary payor, if no other insurance is available.
Program Highlights Include:
- $0 deductible and no Co-pays
- Tele-med Services, when needed
- No restrictions on specific doctors
- No referrals needed for treatment
- No internal limits
- No specific procedure maximums
- Neurological follow up care When medically necessary and billed at U&C.
Provide/distribute widely - the WIAA Program Guide and the FAQ’s along with the instruction to see the AD if there’s a need to file a claim or have additional questions. The school may hand out to every youngster/family that brought in their physical card/alternate year card and/or parental permission and code forms.
Ask your trainer and/or coach to let you know immediately of any instance of possible concussion. When there is a reported injury and the need to file a claim, then get the athlete/family the Dear Provider letter, the HeadStrong Claims form and Alternate Insurance form. In addition, provide the who to contact info and how to file a claim are included on the Program Guide.
None of the forms need to come back to or through the WIAA office. It works directly through school AD/administration(to sign the form) to the family, to the carrier.
The information is on the WIAA web site under AD Resources: https://www.wiaawi.org/Health/Concussions/ConcussionInsurance.aspx