VISTA Health Solutions

Medical coverage in general for the various amateur and professional baseball and softball players has always been very expensive. In fact, the truth be known, medical health insurance coverage until recently is one of the most important and expensive necessities that all sports players must invest. Today, though some of the insurance providers are taking a second look most sports enthusiasts are among the healthiest in the total population. Some of the coverage in discussion is:

1.               Five hundred thousand dollars of accident insurance maximums

2.               Individual health insurance and dental benefits with no limits

3.               All customary insurance with no internal limits

4.               One hundred thousand dollars of lump sum benefits payable after six months

5.               Forty thousand dollars a year fixed benefits up to a ten year period

6.               Five hundred dollars of catastrophic insurance benefits

Another interesting topic that is currently in discussion is the possibility of a more in depth liability health insurance coverage for all participating players and field employees as well.  Like with anything else the more involved the more the affordable health insurance becomes a reality for all players. The liability health insurance coverage in current talks consists of the following.

1.               $1,000,000 Sports Liability – Occurrence Form

2.               $1,000,000 per occurrence/$2,000,000 aggregate

3.               $1,000,000 per occurrence/$3,000,000 aggregate

This also offers a multitude of protections to all the surrounding employees that are in employ during the hours of each game. In turn this allows for the average monthly cost for health insurance to continue to remain as low as possible with the added benefit of liability health insurance coverage. These protections extend outward to the following.

1.               All participants, spectators, and coaches

2.               Additional insured availability

3.               Youth and adult groups

4.               Extended medical benefits to all spectators while on or in the premise

All of this health care information, and who is under the umbrella of protection, is explainable through medical pamphlets. What this does afford though is the peace of mind for all spectators as well as all of the sports professionals when it is game time. This lures many more spectators into the fold than would occur under normal circumstances and that is a good change of venue.

When the highly charged spectators are aware they have medical health care when on the premise during game day they will rest easy. Though most spectators do fine and do enjoy the daily activities, there are rare instances when a spectator is injured.

Why everything must in life turn into such an arduous chore before the athlete finally achieves his or her end goals? Every step of the way they must claw, fight, make concessions, and concede all in order to maintain a prominent position with a hockey team, baseball team, motorsports team, football team and more.. Go with the flow they say, yet it is more like trying to row up river against the rapids.

Trying to attain decent and respectable health insurance is one of those chores where you believe you are fighting a losing battle. The difficulties come in the face of not belonging to a large group where the insurance company has a better idea of how to rate you as all sports teams are not large.

Many of the insurance companies will send out an actuary who is familiar with the neighborhood. In this way the actuary is able to come up with figures based in fact rather than in theory. This is in part why health insurance premiums for the sports teams such as hockey, baseball, football, and tennis are so high. There needs to be more of a pool to theoretically span out the risk of incident.

The main concern of the insurance industry is to be certain the individual health insurance purchaser is healthy. The risk for any catastrophic incident is relatively low or the insurance industry will fold. This is also why there is more certainty in larger groups of insured. The shared risk among a large group waters down the catastrophic impact to the industry because everyone is paying into the same system.

When you have more healthy individuals in a pool, this will outweigh or counter those individuals who have health difficulties or need catastrophic surgery and treatment. It is very difficult for the insurance companies because they lose the health care statistical information they would ordinarily have when they are dealing with the various sports teams.

In essence, the smaller the potential insured group, the more difficult it becomes to determine the long-term payout when a health issue occurs. In this case the health insurance premiums are exorbitantly high to compensate the potential losses to the insurance company, not the individual. On the other hand low cost health insurance becomes much more affordable when dealing with larger groups as illustrated through a variety of medical health insurance studies.

The reason for this is because again, statistically the numbers are there and the favor jumps to the insurer and not the insured. Let us face the fact here, the health insurance business is just that, a business and if they are to have the ability to help millions of individuals daily there must be rules.