State High School Athletic Associations Get Proactive with Concussion Insurance
(Editor’s Note: What follows is a brief excerpt of an article written by Brennah Blackwelder that appeared in the August 2015 Concussion Litigation Alert. For the rest of the article and numerous others, please subscribe athttps://concussionpolicyandthelaw.com/subscribe/)
Leave it to the state known for its “Big Sky” to bring even more clarity to the cloudiness regarding concussion insurance and high school student athletes.
The Montana High School Association (MHSA) announced earlier this summer that it would facilitate concussion insurance for the student-athletes at its member institutions. Called HeadStrong, the insurance program thrusts Montana, as well as Michigan, which also implemented the program, to the forefront of those high school athletic associations that are being proactive about the concussions crisis.
With HeadStrong, which is managed by Dissinger Reed Insurance in Overland Park, KS, student athletes can seek prompt, professional attention at the first sign of a possible concussion.
MHSA Executive Director Mark Beckman told Concussion Litigation Reporter that “providing this concussion insurance is just one of the proactive measures implemented by the MHSA, which along with our other proactive policies will hopefully reduce legal exposure for our association and member schools.”
He also believes more states “will be reviewing this coverage for possible implementation,” especially given the “reasonable cost of the premium for each individual participant.” The maximum benefit of $25,000 per injury per year comes with a $0 deductible per claim. The coverage, which Beckman said the membership “overwhelmingly supported,” will cost each member school just $1.50 per athlete annually in premiums.
Given today’s high-deductible plans and co-pays, he believes parents will be more proactive than ever about bringing their son or daughter in to be checked.
Besides the new coverage, the MHSA is taking other steps ….
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