Insurance Coverage

The BSA Accident and Sickness Insurance plan's purpose is not to replace or diminish the need for family health insurance.  Rather, its purpose is to provide assurance that financial help is available to help meet emergency medical expenses should an injury or illness occur during a Scouting activity. Particular care should be taken to remind parents and leaders that medical expense benefits are paid on an excess basis after the first $150.

The "responsible party" for all medical services is the family of the person injured, and the family's health insurance should be reported as such to ensure proper billing.

Units of the Simon Kenton Council are automatically covered by this plan.  Out-of-Council units are covered only when: a) their unit purchases this optional coverage, or b) their home council has a blanket policy covering all council units.  Some out-of-council units may have their own accident and sickness policy that is completely separate from the BSA plan.  In any case, out-of-council units will need to bring with them the appropriate policy number and claim form for use in making claims.

Processing Claims

Use the claim form provided to you.  There are two types: one for claims under $150 and one for claims over $150.

The unit leader should complete the leader's statement on the claim form and sign.

Have the attending physician complete and sign his statement on the claim form or issue his own statement.

Attach all bills to the claim form and give to parents.  Parents then complete their statement (especially family insurance information) and send materials to the address on the claim form.

Parents should keep a copy of everything sent to insurance companies.

Exceptions

These insurance policies and procedures do not apply to out-of-council units or units chartered by the Church of Jesus Christ of Latter Day Saints. Out-of-council units should check with their home council for coverage or their unit insurance policy. LDS units are insured through the LDS Church.