HEWLETT-WOODMERE UNION FREE SCHOOL DISTRICT

STUDENT ACCIDENT INSURANCE PLAN

Although there is no requirement that School Districts provide any insurance coverage for students, the District has elected to provide Student Accident Insurance for many years.

This is a secondary or excess insurance plan, which  means that benefits are payable for covered accidents only after a claim has been made through the family’s primary health insurance program and there is a remainder left unpaid. The secondary accident insurance plan then pays 100% of what is known as ‘usual and customary’ charges for covered expenses. The schedule for ‘usual and customary’ charges varies by region. Some medical costs may be billed at rates higher than ‘usual and customary’.   In that case, this accident insurance plan will cover only up to the applicable scheduled ‘usual and customary’ amount for covered expenses.