Wednesday, July 1, 2009

What kind of health insurance plans do college and professional sports teams get

What kind of health insurance plans do college and professional sports teams get?
Do the athletes themselves have to make copayments and such as that for their own surgeries,doctor visits,etc. like the rest of us do? What about the coaches? Is it the same for them? If I can get some answers from anyone who has worked with health insurance,good!
Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I worked for a large insurance company that happened to provide benefits to 2 NFL teams and 1 MLB team. However, the players themselves were not covered by the "team" policy - I think that the NFL player's union coordinates the benefit plan for the actual players and their families.

(like how other large unions coordinate benefit plans for union members) The coverage we provided was for employees of the organizations who would not have been members of the players union, and also - in the case of the baseball team - the minor league players. But, in general, the sports teams that we covered (minus the players) had better than average benefits, compared to some of the other companies who had coverage through us. I'd suspect that the players have pretty good coverage too, because job performance is so closely related to their health.
2 :
Professional athletes can't get a health insurance policy. Too many injuries. They're usually either self insured, or have "benefits" provided by the team owner. School athletes will have health insurance through their parents policies through the employers - or can buy into the group athletic accident policy at the school. Coaches are employees - covered by workers comp, for their injuries that are work related (like getting tackled by a player). They'd have a health policy similar to everyone else's.

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