As an affiliate of U.S. Youth Soccer, Louisiana Soccer Association (“LSA”) maintains insurance for its membership. Insurance coverage through LSA extends only to soccer-related events that are fully sanctioned by LSA.
The LSA insurance plan is an excess/secondary insurance policy. This means that after the insured player or coach has been reimbursed for medical expenses by other insurance programs, and after the deductible has been satisfied, the LSA plan will pay up to the maximum medical expense benefit for remaining treatment. Other programs include group, blanket or franchise health insurance coverage, group hospital or medical service plans, and prepayment coverage; any coverage under labor-management trustee plans, union welfare plans, employer organization plans, and coverage under any governmental programs, coverage required or provided by any statute, and automobile reparations insurance (no-fault) coverage.
PLEASE NOTE: The LSA excess accident medical insurance policy is secondary insurance. Failure to follow the rules of your primary healthcare coverage will result in a benefit reduction of eligible expenses to 50% of the amount otherwise payable.
CLAIM PROCEDURES The Claim Procedures are outlined on the Pullen Insurance Services website.
Claims forms are available through your State Association, League or Club Offices. Detailed Accident Medical Expense claim instructions can be found on each claim form. In the event of injury requiring medical treatment, you should:
- Fully complete a claim form verified by a witness and submit it to your State Soccer Association for verification.
- Notice of claims must be filed within 90 days from the date of injury or as soon thereafter as is reasonably possible.
Again, LSA medical insurance coverage is provided on an "excess" basis. Therefore, charges must first be submitted to any other medical insurance carrier available to the participant.
LIMITED COVERAGE When a member has a primary insurance carrier and elects to seek treatment from a facility that is either not covered or only partially covered by that insurance carrier, LSA will not cover any additional cost over and above what would have been paid had that member stayed within his or her primary insurance plan. It will be the member's responsibility to provide the documentation proving the coverage amount of his/her insurance carrier.
COVERED PERSONS Insured persons include all registered team members, those players participating in approved try-outs, coaches, managers, referees, officials, and volunteers of the teams, leagues or of the association.
COVERED ACTIVITIES Insured persons are covered for injuries resulting directly and independently of all other causes from accidents occurring while participating in the following covered activities:
- Scheduled games, team practice sessions, tryouts or sponsored activities provided they are under the direct supervision of a team official; or sanctioned local or national tournaments as a member of a contestant team.
- Organized and supervised group travel as authorized by LSA directly to and from a covered event.
THIS OUTLINE IS ONLY FOR GENERAL INFORMATION AND NONE OF THE ABOVE SHALL AMEND OR ALTER THE TERMS OF THE PLAN DOCUMENT. THE WORDING OF THE PLAN DOCUMENT CONTROLS