Secondary Insurance Information

Merrimack College Sports Medicine aims to provide the best quality healthcare including prevention of athletic injuries, however despite our best preventative efforts athletic injuries will occur. Many of these injuries may require specialty services outside the care of Merrimack College Sports Medicine department including but not limited to imaging, surgery and specialty doctor care. Therefore it is important that you fully understand the policies regarding medical insurance coverage for athletic injuries.

Per Massachusetts State Law, all students enrolled in an institution of higher education must be covered under a qualifying student health insurance program or be covered under comparable private health insurance plan. Therefore, in order to participate in varsity athletics, all student-athletes must provide proof of current insurance coverage. Proof can only be provided via an approval through the online Merrimack College Health Insurance Requirement at http://www.gallagherstudent.com/merrimack.

Merrimack College provides an Excess Sports Accident Insurance Policy through Bob McCloskey Insurance (BMI Benefits). This policy is offered on an "excess" basis to the student-athlete's primary health insurance policy.
 

• It is the student-athlete's responsibility to initially submit his/her medical claims to their primary insurance policy. Once payment is completed and all eligible requirements are met, Merrimack College athletic excess insurance policy with cover most expenses beyond your primary insurance coverage for athletic related accidents and injuries (it does not cover general illness), up to charges of 100% Usual & Customary.
• If your primary insurance cannot provide authorization for services, cannot be billed, and cannot provide an Explanation of Benefits (EOB) for denial, the student athlete will be 100% responsible for services rendered

Claim Filing Procedures for Sports-Related Injuries BMI Benefits LLC
Merrimack College's secondary insurance cannot approve payment for any medical bills without first receiving:

1. The completed accident claim form (submitted by athletic training)
2. The HCFA/UB04 Form
3. The primary insurance EOB. Balance due, balance forward, or past due statements are not the acceptable forms of documentation for claims processing. To ensure that your bill will be processed, student athletes are always asked to give BMI Benefits excess insurance information to each medical provider PRIOR to every medical treatment and/or service. However, if this is not done and a bill ensues, the following actions must be fulfilled by the student-athlete in order to pay the claim:

• Call the medical provider's Billing Department. (Telephone number found on statement)
• Inform the Billing Department that you have an excess insurance policy.
• Give the Billing Department the excess insurance policy information:

Company Name: BMI Benefits LLC Mailing
Address: 76 Main Street, P.O. Box 511 Matawan, NJ 07747
Phone Number: (800) 445-3126
Fax Number: (732) 583-9610
Claim ID Number: Your Merrimack Student ID #
Group Number: Merrimack Athletics

• Instruct the Billing Department to send the following to BMI Benefits: a. Primary insurance EOB (for the date(s) of service listed on statement/bill) b. HCFA or UB04 Form (for the date(s) of service listed on statement/bill)
• For reimbursement of bills already paid out of pocket, forward all receipts and/or proof of payment to BMI Benefits.