USCB Athletics

Insurance Information

All student- athletes are required to carry major medical primary insurance. Major medical primary insurance is one that will cover incidents related to participation in athletic endeavors. Primary insurance coverage must be valid in Beaufort County. 

The University of South Carolina Beaufort Athletic Department Medical Care and Treatment program is a self-contained program that uses a network of Health providers and specialists, including a secondary insurance benefit program administered through A-G Administrators. In the event of an athletically related injury, our Athletic Training and Medical Staff will evaluate and recommend a treatment plan. When billable services are pre-authorized, our program covers any expense coordinated through the network that the student-athlete’s primary insurance does not cover. 

This secondary insurance program will only be billed after the student-athlete’s primary insurance. Services provided outside the Universities network may be authorized at the discretion of the Head Athletic Trainer or Team Physician, and when pre-authorized through documented approval, will be covered. This may be necessary due to insurance requirements. 

The University of South Carolina Beaufort Athletic Department will cover only those injuries that are a direct result of normal USCB directed intercollegiate athletic practice, competition or recognized conditioning activities. This means that non-athletically related injuries (car accidents, home and dorm accidents, illnesses such as appendicitis, etc.) will not be covered; however the Athletic Training staff can still assist you in coordinating your care. 

As a reminder, all injuries, athletic-related and otherwise, must be reported to the Athletic Training Staff. If you are injured while participating in recognized intercollegiate athletics activities, the following procedures must be followed to ensure quick processing of the claim and prompt payment of all bills. 

The student-athlete must report any and all injuries to the USCB Athletic Training Staff immediately. The university can only cover expenses if it has been pre-authorized by the Athletic Training Staff.

You are free to choose any medical provider you wish, but to have USCB pay for any remaining balances after your family insurance has paid, you must use the providers coordinated through the Athletic Training department or obtain pre-authorization to go outside of the network for each visit from the Head Athletic Trainer.

If pre-authorization is given for outside treatment, each visit must be pre-approved prior to making an appointment.

Any medical bills must be first submitted to the family’s insurance carrier (even if coverage is by an HMO such as Kaiser Permanente). The medical facility may not do this for you.

When you receive the insurance carrier’s explanation of benefits, please mail or bring in a copy of it and the bills to the Athletic Training Room within 60 days of the first statement so that any unpaid balances may be paid through the University Athletic department’s secondary insurance. The Athletic department does not automatically receive copies of medical bills.

Medical bills NOT brought into the training room for payment within 60 days may become the sole responsibility of the student-athlete and their family for complete payment. Collection agency action can result when bills are not promptly brought to the attention of the Athletic Training Staff.

Please notify the Athletic Training Staff of any changes in your family’s insurance coverage to avoid unnecessary complications in the event of injury. 

Additionally, please upload a copy of any new insurance cards received to Healthy Roster immediately upon receipt. If you are found to not be in compliance with the requirement of primary insurance, you will be responsible for 100% of the total cost of the care for an injury/illness occurring while not in compliance. Should you have questions about any of the above policies or with regard to any aspect of your health care, please contact the Head Athletic Trainer.