Secondary Insurance Information

Secondary Insurance Memo

Secondary Insurance Memo (All returning and new student-athletes are strongly urged to read the memo)


Online Payment System for Secondary Insurance

Online Payment System


Secondary Insurance FAQ

What is "secondary insurance" and why does LU have a policy?

Lawrence University Athletics purchases a policy with First Agency, Inc. to help cover athletic-related medical expenses. The concept of it is to prevent our student-athletes from incurring excessive out-of-pocket expenses due to athletic-related accidents and injuries. To do this, our plan covers expenses that might not be covered by a student-athlete's primary insurance plan. Our policy will cover services from any provider, for charges up to 100% Usual & Customary, as long as the provider bills your primary insurance first (creating an Explanation of Benefits (EOB) and itemized bill). This includes physicians in any insurance network, and other providers such as chiropractors, etc.

How do I become eligible? How does it work?

Every student-athlete is automatically covered by the plan as soon as they are medically cleared to participate. If they become injured while participating in an athletics practice or competition, the Athletic Trainer will assist them with filling out a claim form.

Why is there a fee for the secondary insurance?

To pay for the cost of the secondary insurance as well as other athletic medical services, each student-athlete will be billed $250 annually (regardless of the number of sports in which they participate) to their student account once it has been determined that the student-athlete has used a year of eligibility. According to NCAA legislation, a year of eligibility is used if a student-athlete is on a team roster for the first practice after the first regular-season game. A student-athlete who does not use a year of eligibility will be billed only if they have a claim towards the athletic insurance policy from an injury that occurred during preseason practice prior to using a year of eligibility. The secondary insurance plan ensures that every LU student-athlete has adequate insurance coverage up to the NCAA catastrophic plan.

Do I still need to have primary insurance since Lawrence Athletics has this secondary policy?

YES, you do. All student-athletes must still provide evidence of primary insurance that includes coverage for athletically-related injuries. This is a pre-requisite for practice and competition set forth by the NCAA. No student will be allowed to participate in any way until evidence of current insurance coverage is on file with the Lawrence University Athletic Training Office. Our secondary policy ONLY covers varsity athletic-related injury charges not paid by primary insurance. It does not cover any bills associated with general illness or non-athletic injuries.

Is there a deductible associated with the secondary policy?

No, there is a $0 deductible on the policy. This means that any varsity athletic injury medical charges, from $0-$90,000, not covered by your primary insurance, will be paid by this policy, up to 100% Usual & Customary.

What expenses does the secondary policy cover?

The policy is designed to cover most expenses beyond your primary insurance coverage for varsity athletic related accidents and injuries, up to charges of 100% Usual & Customary. This includes co-pays, co-insurance, deductibles, etc. Other covered expenses may include things like ambulance, imaging, hospital stay, surgery, physical therapy and emergency care. Speak to your Athletic Trainer for more details concerning the policy's schedule of benefits.

What doesn't the secondary policy cover?

Our secondary policy will not cover charges due to general illness, because these are usually not caused by Lawrence University athletics participation. Therefore, services for general "non-athletic" medical concerns (i.e. cold/flu, appendicitis) are not covered. Injuries sustained outside of athletics department organized and sanctioned activities (i.e., "captain's" practices) are not covered. In addition, injuries sustained during club sports and/or intramural sports activities are not covered.

Am I able to waive the secondary insurance policy?

The secondary insurance policy is a benefit for all of our students who participate in varsity intercollegiate athletics for Lawrence University. We hope that you will never need this assistance, however, injury is a part of athletics participation. This insurance will substantially reduce, if not eliminate, excess out-of-pocket expenses in the event of injury due to varsity athletics competition. If you wish to waive the secondary insurance, please contact the Director of Athletics.

Am I able to petition for financial assistance to pay for this policy?

Yes, we are aware that this may be a financial hardship. Information on the petition process will be coming shortly.