Wicomico County Board of Education

WICOMICO COUNTY BOARD OF EDUCATION

To: ALL PRINCIPALS From: Carl Vincent, Risk Manager & Benefit Analyst Date: August 8, 2016 Subj: Student Accident Insurance

For the 2016-2017 school year, the Student Accident Insurance Program will be as follows:

I. Voluntary Student Accident Insurance will, again this year, be offered through the Maryland Association of Boards of Education (MABE) insurance division. K and K Insurance Group, Inc. continues to include dental coverage with each option. There was a slight increase in rates over last year.

** RATE SCHEDULE **

Plan offered School Time 24 Hour – 24 Hour - All year Summer only Low coverage option with Dental $26.00 $ 82.00 $27.00

High coverage option with Dental $35.00 $122.00 $38.00

Even if parents have other insurance, the Plan may cover unpaid balances, deductibles and pay those eligible medical expenses not covered by other insurance. Benefits will be paid on the unpaid balances after their other insurance has paid. No benefit of this policy is payable for any expense incurred for an injury which is paid or payable by other valid and collectible insurance, including an ERISA or self-funded group policy, except for no-fault automobile insurance, guaranteed renewable, intensive care or specified disease policies. Covered medical expenses exclude amounts not covered by the primary carrier due to penalties imposed as a result of the covered person’s failure to comply with policy provisions or requirements.

K and K has supplied each school with an adequate supply of one page, bi-lingual flyers. Administration of this program will only require distribution of the flyer to the parents via each student. Parents will be able to enroll on-line and pay directly at www.studentinsurance- kk.com or http://www.kandkinsurance.com/sites/K12Voluntary/Pages/Home.aspx. The school should not collect any applications or payments. For those parents who want to enroll, but do not have access to the internet, you may wish to consider making arrangements through your media center or directing them to the County Library. Parents having any questions can call, toll free 1- 855-742-3135 and follow the instructions.

Note – Please place the link above, on your school website with other appropriate internet links for easy use by parents.

Student Accident Insurance (cont.) -2- August 8, 2016

D:\Docs\2018-04-05\041fef3912f2f4fdf0f7287f31fe33e0.docx 2 This insurance is offered primarily for the benefit of those parents without health insurance. Each school should maintain a supply of claim forms. These forms should be retained in the nurse’s office with a supply shared with the Athletic trainer. Claim forms can be obtained from the website at http://www.kandkinsurance.com/sites/K12Voluntary/Pages/Claims.aspx

All questions about coverage and eligibility should be directed to the website, by calling 1-855-742- 3135, to the administrator, K and K Insurance Group, Inc., 1712 Magnavox Way P.O. Box 2338 Fort Wayne, IN 46801-2338 or by email through the website. For claims, parents should call 1- 800-237-2917 and follow the instructions.

II. Optional Field Trip Coverage – K and K Insurance continues to offer coverage for accidental injuries occurring during school sponsored and supervised field trips. Rates have been established for school day and multiple day (including overnight) trips. Schools may even purchase annual field trip coverage, which would be in effect for all students and trips throughout the school year. The price by school type is $350 for elementary, $450 for middle and $650 for a high school. Email me anytime for details.

NOTE: Students participating in extracurricular activities (other than football) that begin in August may purchase the voluntary student accident insurance at that time. Coverage will commence immediately when purchased from the K and K website.

III. Mandatory insurance for varsity and junior varsity football players will be provided by the Board through MABE and K and K Insurance. The plan has a $25,000 limit for varsity and JV players. It pays for covered expenses that are not recoverable from another plan providing medical expense benefits. Please understand that the only students covered are those participating in football. A letter explaining the program with a brochure will be delivered to the 3 city High Schools and is to be provided to parents and football players. NOTE: A complete roster of High School varsity and junior varsity football squads should be submitted to my attention by Friday, August 26th. Please submit separate rosters for each squad. IMPORTANT: If a student is injured during the try-out period, you MUST report that student’s name to me with the football roster as if the student made the team. This is to insure that coverage will be provided for this student. Questions and claims about football insurance should be directed to K and K Insurance (see information above). Injuries must be reported to the trainer and claims must be submitted to K and K Insurance within 90 days.

IV. Catastrophic Accident Medical Insurance will again be provided by the Board through MABE and the National Union Fire Insurance Company, an insurance carrier. This insurance provides protection for all enrolled students. Benefits are subject to a $25,000 deductible and a $6,000,000 limit and are payable only for covered expenses that are in excess of amounts payable by other valid and collectible group insurance. Email me with any questions about the catastrophic accident medical coverage.

If you have any questions, please call me at extension 4567 or e-mail me at [email protected].