MANAGING COSTS OF ATHLETIC INJURIES

2. MANAGING COSTS OF ATHLETIC INJURIES • Facilitator: Marla Peters, Sr. VP, American Specialty • Panel Members: • Abby Allison, NCAA Program Consultant, American Specialty • Dr. Robert Boerigter, Commissioner, Mid-America Athletics Association • Stephen Bushee, Asst. Athletic Director, Sports Medicine, Boston College • Ken Dinslage, VP, Group Special Risk Sales & Operations, Mutual of Omaha • John Hunt, Director of Risk Management & Safety, University of Southern Indiana • Andrew Massey, Head Athletic Trainer, Tulane University • David Steele, Associate Athletics Director, Marshall University

3. FORMAT FOR SESSION • Brief overview of Certification legislation • Panel discussion • NCAA Group Basic Accident Insurance Program Highlights • NCAA Catastrophic Program Review

4. CERTIFICATION LEGISLATION • Legislation passed in 2004/2005 • Institutions must certify insurance coverage for athletically-related injuries sustained during covered events • Must be equal or greater than Catastrophic program deductible • Can be provided through: • Parents’ or guardians’ insurance; • Student-athlete’s insurance; or • Institution’s insurance

5. CERTIFICATION LEGISLATION(continued) • Does institution have to provide the insurance? • No, compliance will vary by institution. There are two basic approaches: • Institution provides insurance • Institution requires student-athlete to provide proof of insurance • Note: This legislation and today’s session focused on athletically-related injuries only • Resources available at www.ncaainsurance.com

6. CURRENT LANDSCAPE • Most institutions fund student-athlete injury costs at some level • Costs = Time and Expense • Other factors that impact athlete injuries and costs • Medical research • New NCAA legislation • Prevention and treatment • Given the magnitude of athletic injury expenses, cost control efforts are imperative

7. PROGRAM STRUCTURE • What structure or processes can be implemented to enable the athletics department to gain control of athletic injury costs?

8. TIME SAVINGS • Where do opportunities exist to reduce the amount of time spent managing bills and insurance paperwork?

9. REDUCING EXPENSES • What specific steps can be taken within the athletics department to reduce medical and insurance costs? • Network discounts • Provider agreements • Other insurance

10. DATA & INFORMATION • How can an institution use data from past injuries and claims to affect future costs or decisions?

11. INSURANCE • What types of insurance plans are available and how should an institution evaluate which is the best financial fit for its circumstances?

12. IMPACT OF HEALTHCARE REFORM • How might healthcare reform impact institutions with respect to managing student-athlete injury costs?

13. CLOSING COMMENTS

14. NCAA Group Insurance Programs

15. WHAT IS THE NCAA GROUP BASICACCIDENT MEDICAL PROGRAM? • Excess medical insurance designed to cover intercollegiate sports-related injuries • Protects the student-athlete and institution below the catastrophic insurance deductible. • Created with NCAA oversight & support in response to member requests • Introduced in 2006 • Currently includes 144 institutions spanning all divisions

16. PROGRAM OBJECTIVE • Provide the tools and means necessary to empower NCAA members to control costs and reduce expenses related to athletics insurance.

17. PARTNERSHIP • Participating NCAA Members • NCAA National Office • Participant Accident Medical Claim Payer 40+ Years • NCAA Catastrophic Insurance Provider for 10+ years • A.M Best Rating of A+ (Superior) • Risk Management and Insurance Advisor to the NCAA for 15+ Years • Experts in providing insurance and risk management services to clients in the sports and entertainment industry • 40+ years experience in Intercollegiate Insurance Business • Nearly two centuries of combined staff experience in Intercollegiate Sports Insurance • Currently provides basic coverage to hundreds of NCAA, NAIA & NJCAA institutions

18. PILLARS FOR SUCCESS • Insurance • Services • Cost Containment • Risk Management

19. BASIC INSURANCE • $75,000 medical maximum for all NCAA Group Insurance Program participants • Two year benefit period • Optional AD&D limits – standard benefit of $10,000 with $1,000,000 Air Aggregate, higher limits available • Master policy negotiated with NCAA oversight • Consistent pricing approach • Optional deductible levels • Expanded benefit riders • Optional primary accident coverage for uninsured student-athletes

20. NCAA CATASTROPHIC DEDUCTIBLE BENEFIT FOR PROGRAM PARTICIPANTS NCAA Catastrophic Deductible Amounts • NCAA Program participants’ = $75,000 • Non-Program participants’ = $90,000 Benefits • Reduced exposure • Protect NCAA Participants’ Basic Accident loss results

21. SERVICES • State-of-the-art NCAA Online Risk Manager to manage all information related to your program • Superior claims repricing and provider discount services • Seamless claims management from basic coverage to catastrophic provided by Mutual of Omaha Insurance Company

22. NCAA ONLINE RISK MANAGER • Web-based program tailored for each participating institution • Electronic incident (claims) reporting and viewing capabilities • Available via certain injury tracking systems • Real-time claims status viewing • Access to customized claims reports • Diary System to track correspondence and pending tasks • Access to “Best Practices” tools and information • Access to policy and coverage information

23. REPRICING & PROVIDER DISCOUNT SERVICES • Repricing network provided by GlobalCare, Inc., which includes access to over 150 networks • Mapping of preferred providers to available network • Direct negotiations with specific providers on behalf of participating institutions • Access cards and referral process for optimal claim discounts

24. REASONS TO CONSIDER THE NCAA GROUP INSURANCE PROGRAMS

25. TOP REASONS TO CONSIDER • The most efficient, online intercollegiate sports insurance claims management system available in the marketplace. • NCAA catastrophic deductible will remain at $75,000 for all NCAA Group Insurance Program participants. All other NCAA institutions’ catastrophic deductible will be $90,000. • Optional primary accident coverage for uninsured student-athletes. • Superior claims processing that includes both automated and personal service • Seamless claims management from optional primary plan to basic accident coverage to NCAA catastrophic medical coverage. • NCAA’s commitment to provide resources and oversight to ensure the Program’s success for its participants. • Program participants actively involved to help shape the future of the NCAA Group Insurance Programs and services provided.

26. NCAA Group Insurance Programs

27. CATASTROPHIC INJURY INSURANCE PROGRAM • Policy covers all student-athletes at active member institutions (does not apply to provisional institutions) • Premium 100% paid by the NCAA • Deductible $90,000 ($75,000 for NCAA Basic Accident participants) • Renewed through July 31, 2013

28. PROGRAM BENEFITS • Medical Benefits • Includes medical, dental, rehabilitation and custodial care • Disability Benefits • Includes disability payments, adjustment expenses, special expenses, college education expenses, and vocational rehabilitation expenses • Death Benefit ($25,000) • Maximum Lifetime Benefit is $20M

29. REPORTING OF CATASTROPHIC INJURIES • Report serious injuries that may exceed the policy deductible to American Specialty the next business day following the injury

30. CONTACT INFORMATION • American Specialty – Program Administrator • 24 Hour Claims Hotline • 800/245-2744 or 260/672-8800 • Contact: • Marla Peters (mpeters@amerspec.com); or • Abby Allison (aallison@amerspec.com) • Mutual of Omaha – Program Insurer • Claims Department • 800/524-2324 • Contact: • Michelle Schmidt (Michelle.Schmidt@mutualofomaha.com) • NCAA • Juanita Sheely, Associate Director for Travel & Insurance • 317/917-6425 or jsheely@ncaa.org

31. QUESTIONS?