USASF ATHLETE & COACH MEMBERSHIP
Member Accident Insurance Program (MAIP)

When athletes and coaches join or renew their membership, they become eligible for the Member Accident Insurance Program. The MAIP provides excess insurance coverage should an eligible, qualifying member be injured while training for, warming up at or performing at a USASF sanctioned event. This policy does not replace a participants primary (family) health insurance nor will it cover the excess at 100% when other collectible excess insurance is available. The details of the MAIP are outlined below. It is important to note that  written notice must be given to USASF within 90 days after covered loss occurs or begins or as soon as reasonably possible.

PROGRAM ELIGIBILITY
Eligible athlete and coach members have access to excess accident coverage through the USASF Member Accident Insurance Program (MAIP) once their membership has been activated it extends through the end of the membership term.

Membership is activated once the membership fee has been paid to the USASF. Membership can be paid anytime during the membership term, however, membership fees are never prorated for delayed or late-season registration and coverage under the MAIP does not begin until the membership fee has been paid to the USASF. Eligibility and the associated membership benefits only begin once the membership is activated (paid to the USASF) and expires on July 31 of that membership term. Eligibility and access to benefits is not retroactive.

WHEN DOES COVERAGE APPLY UNDER THE MAIP
Coverage for participation in USASF sanctioned competitions held in the United States (including training at the location of the competition) and supervised training or conditioning at member gyms.

PURPOSE
The MAIP is an excess accident insurance program that is offered to help supplement the out of pocket costs (deductibles, copayments, coinsurance) associated with primary (family) health insurance and to provide partial reimbursement for covered accidents in conjunction with any other collectible excess accident policies including the member program's excess accident insurance. The MAIP insurance will reimburse covered expenses up to 50% for their portion of expenses minus the applicable deductible (currently $250.00).

Excess Accident Insurance requires other valid and collectible insurance such as primary (family) health insurance to respond first. If there is other valid and collectible excess accident insurance, including the Member Program's excess accident insurance, then both the MAIP and the Member Program's excess insurance should both respond at 50% when coverage applies. This is a standard practice within the insurance industry. However, if there is no other valid and collectible excess accident insurance after the primary (family) health insurance has responded the MAIP will consider the claim at 100% minus any applicable deductible (currently $250.00).

The intent of the MAIP is three-fold:

  1. To supplement primary (family) health coverage whenever it is available.
  2. To work in concert with the Member Program's required excess accident insurance after the primary (family) health insurance has responded when coverage applies.
  3. If there is not any other valid and collectible insurance (primary or other excess) claim would be considered at 100% for covered expenses minus any deductible under the MAIP.

COVERAGE GUIDELINES
Failure by an insured person to follow the terms and conditions of his/her primary coverage will result in a benefit reduction of eligible expense to 50% of the amount otherwise payable under the USASF excess accident policy. This limitation does not apply to emergency treatment required within 24 hours after an accidental injury when the accident occurs outside the geographic area served by the HMO, PPO or other similar arrangement.

If excess accident coverage provided through the injured parties, USASF Member Program is available and the choice is made, by the USASF Member Program owner, to not use their excess accident coverage, for any reason, the MAIP will cover, at most, 50% of their portion of covered expenses minus any applicable deductible.

PROCEDURE FOR FILING A CLAIM

Written notice must be given to USASF within 90 days after covered loss occurs or begins or as soon as reasonably possible.

  1. The member, or member athlete's parent or guardian must file with primary (family) health carrier first.
  2. Responsibility of covered member or their parent/guardian to work directly with the Member Program Owner to file claim on the Member Program's excess accident insurance. [It is important to note, that the USASF requires member All Star Programs, as a condition of membership, to provide proof of (and maintain) current commercial general liability insurance that includes participant legal liability and excess participant accident insurance. This may be a single policy that includes both components or may be two separate policies. All locations must be covered.]
  3. Member Program Owner follows USASF procedure to file claim under MAIP on behalf of athlete or coach.


PARTICIPANT ACCIDENT AND CATASTROPHIC INSURANCE COVERAGE SUMMARY OF BENEFITS
INFORMATION AS OF AUGUST 2018

PLEASE NOTE:  The following information is only a summary of the benefits provided. It is NOT a complete explanation of all the policy provisions or specifics of the policy benefits. No coverage is extended and no representations are made other than what is stated in the policy. For a complete description of the program coverages, exclusions, and benefits, please refer to the policy.

PARTICIPANT ACCIDENT INJURY INSURANCE PROGRAM

COVERAGE/LIMIT

  • Maximum benefit amount per covered injury is $50,000
  • Deductible: $250 corridor per injury
  • Excess to any other valid and collectible insurance available to insured person
  • Benefit Period: One year from the date of injury
  • Accidental Death, Dismemberment, or Loss of Sight Benefit: $10,000
  • Benefits include but not limited to:
    • Hospital
    • Surgical
    • Physician
    • Physiotherapy
    • Ambulance
    • X-ray and laboratory tests
    • Rental charges for certain medical equipment
    • Dental ($250 per tooth limit)

WHO IS COVERED

  • Class 1: Cheer and Dance members
  • Class 2: Career Members classified as:  Coaches, Directors, Choreographers, Owners

WHEN DOES COVERAGE APPLY
Coverage for participation in USASF sanctioned competitions held in the United States (including training at the location of the competition) and supervised training/conditioning at member gyms.

CATASTROPHIC INJURY INSURANCE PROGRAM

COVERAGE/LIMIT

  • Maximum Benefit Amount per covered injury $2,000,000
  • Deductible: $50,000 reducing
  • Excess to any other valid and collectible insurance available to insured person
  • Accidental Death, Dismemberment, or Loss of Sight Benefit: $10,000
  • Maximum Benefit Period: 10 years from the date of injury
  • Benefits include but not limited to:
    • Hospital
    • Combined Home Health Care and Custodial Care: $100,000 per calendar year
    • Treatment of Mental or Nervous Disorders: $90/visit, 1 visit/day, 50 visits/calendar year
    • Chiropractic: $1,000 per calendar year
    • Outpatient Physical Therapy: $25,000 per calendar year
    • Prosthetic (limitations apply)

WHO IS COVERED

  • Class 1: All United States paying cheerleading and dance members of U.S. All Star Federation (USASF), ages 3 and up.
  • Class 2: Career Members classified as:  Coaches, Directors, Choreographers, Owners

WHEN DOES COVERAGE APPLY
All Classes are covered while participating in the following activities:

  • Cheer and dance activities at USASF Member gyms, such activities must meet supervised requirements;
  • USASF sanctioned competitions, including supervised practice at the location of the event;

For the purposes of this coverage "supervised" is defined as follows:
Class 1: The cheer members must be under the direct supervision of an official coach who is a member of USASF, an employee/paid staff member of the studio/gym, or contract employee of the studio/gym who was hired as a coach or trainer by the USASF or a participating USASF gym/studio. The dance members must be under the direct supervision of an official representative of the studio/gym.
Class 2: The supervised requirement does not apply.

USASF rules must be followed at all covered events.

All covered activities are limited to locations within the United States.

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USASF Program Members should log into their profile for instructions on how to file a claim on behalf of a member athlete or coach.  If you are a member athlete or parent of a member athlete and need assistance or have questions on this coverage, please email Casey Winn Roaden.