What Athletes Need to Know About Insurance Coverage
When an athlete purchases an annual USAT license or one-day permit, a portion
of those fees goes to cover the cost to provide them with excess medical
insurance. This coverage only extends to their participation in a USA Triathlon
sanctioned event.
If an athlete is injured while participating in a USA Triathlon sanctioned
event the following steps must be followed:
- Race Director completes an incident report form. The race director is
obligated to report the incident to USA Triathlon. No medical claim can be
filed with insurance until this report is completed.
Please email [email protected] for a copy of the form. The signed
document should be returned to USAT immediately.
- Athlete must file with their primary healthcare provider. Athletes must
first file through ALL health insurance companies that may cover their medical
expenses (i.e. United Healthcare, Blue Cross Blue Shield, Aetna, traveler’s
insurance, etc.).
- Athlete completes a medical claim form. For serious incidents or for athletes
requesting coverage, either the race director or USAT can provide them with
a medical claim form. The medical claim form along with all explanation of
benefit documents should be sent directly to the insurance company as indicated
on the claim form. Please email [email protected] for a copy of the
form if the race director did not provide one.
- Athlete will pay a deductible. All athletes using USA Triathlon insurance
will pay anywhere from $250 (two-hundred and fifty U.S. dollars) to $1,000
(one thousand U.S. dollars) out of pocket and possibly more for uncovered
expenses.
- Coverage limitations. Be advised that coverage may not apply to each and
every claim. Additionally, coverage only extends to participants that have purchased an
USA Triathlon annual license or one-day permit and were injured through participation
in an USA Triathlon sanctioned event.
Please email questions to [email protected] or call the group benefits
department at ESIX at 1-800-342-4371 and ask for Debbie Fazzone.
Download PDF of this information
here
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