Concussion Insurance | Concussion | Health

Concussion Insurance


WIAA HeadStrong Concussion Insurance

WIAA Program Guide (FAQ)  | Program Resources Accompanying Information (How to Submit A Claim)Dear Provider Letter  |  Claim Form - Other Insurance Coverage - Fraud Statement

The HeadStrong Concussion Insurance Program was specifically developed to insure student athletes from the high cost of concussion treatment and neurological follow up.

The insurance only covers athletes in WIAA recognized sports (baseball, basketball, cross country, football, golf, gymnastics, hockey, lacrosse, soccer, softball, swimming & diving, tennis, track & field, volleyball, and wrestling) at WIAA member schools.  It does not cover open gyms, cheer, dance, or club sports.

The student athlete has ‘first dollar’ coverage (zero deductible) for concussion assessment and treatment.

Coverage is secondary/excess to any other valid and collectable insurance but will become the primary payer, if no other insurance is available.

Program Highlights Include:

  • $25,000 Accident Medical Concussion Coverage (includes neurological follow-up)
  • $0 deductible and no co-pays
  • $5,000 Accidental Death + Dismemberment
  • Tele-med Services, when needed
  • No restrictions on specific doctors
  • No referrals needed for treatment
  • No internal limits
  • No specific procedure maximums
  • Neurological follow up care when medically necessary and billed at U&C.

Provide/distribute widely - the WIAA Program Guide and the FAQ's along with the instruction to see the AD if there’s a need to file a claim or have additional questions. The school may hand out to every athlete/family that brought in their physical card/alternate year card and/or parental permission and code forms.

Ask your trainer and/or coach to let you know immediately of any instance of possible concussion. When there is a reported injury and the need to file a claim, then get the athlete/family the Dear Provider letter, the HeadStrong Claims form and Alternate Insurance form. In addition, provide the who to contact info and how to file a claim which is included in the Program Guide

A school administrator must sign the claim form on the bottom "Insured Representative" to verify the incident happened at a WIAA event/practice.

None of the forms need to come back to or through the WIAA office. It works directly through school AD/administration (to sign the form), to the family, to the carrier.