At Some Texas Schools, Student Athletes Lack Crucial Catastrophic Care Insurance
Jan 30, 2014
High school sports, especially football, are a hallowed tradition in Texas. School districts in the state regularly set aside significant portions of their budgets for athletic programs.
Government purse strings may be loose for the sports programs themselves, but spending on medical insurance for student athletes is checkered at best in some of Texas’ metropolitan regions.
The risk of injury, including catastrophic injury, always hangs over high school sports events, particularly the rougher contact sports (including football). Many school districts provide catastrophic care insurance for students who experience serious accidents or illnesses while competing in school-sponsored sports. Policies typically carry high coverage ceilings in the millions of dollars to cover such life-changing events as brain or spinal cord injuries.
But catastrophic care insurance is not mandatory in Texas. Within the Dallas-Fort Worth metropolitan region, there are five school districts that do not provide coverage for catastrophic injury: Birdville, Burleson, Cedar Hill, Mansfield and Richardson.
When students do not have catastrophic coverage through their family insurance policies, the lack of a school district’s safety net can prove financially ruinous. Medical costs for the families of student athletes who suffer major injuries while competing can be staggering. With some school athletic program officials estimating that up to 65 percent of Dallas’ student athletes lack family health insurance, the ability to fall back on school-district-provided insurance can be crucial.
In the United States, there have been 468 nonfatal injuries that resulted in permanent, severe functional disability of high school athletes between 1982 and 2011. While catastrophic high school sports injuries are uncommon, the costs associated with them are enormous.
As an example, it has been estimated that the first-year cost of care for a patient with partial or total loss of the use of all limbs stands at $1,044,197. The cost of care for subsequent years rises by $181,328 annually.
By comparison, the cost of catastrophic care coverage is extremely small. Some insurance agents peg the cost of a policy at no more than $2,000 per year for the average school district.
“It’s incredible how many Texas kids have no insurance,” said Kent Holbert, an insurance agent for Texas Student Resources. “I certainly think [catastrophic care insurance] is a minute cost compared to some of the other budgetary items they have.”