When They’re Protected.
You’re Protected!

Zero Deductible Excess
Accident Medical Program

starLeft@2xstarRight@2xAccidents happen, and our coverage helps to prevent
extreme financial loss for your school and families.

Your students have big deductibles and copays built into their family health plans, translating into big out of pocket expenses. This means potential liability exposure for your school should an athletic or activity accident occur. Our coverages are comprehensive and effective for all supervised and sponsored activities of your school and/or athletic association.

Our coverages are affordable, with annual costs as low as $6 per student. And with year-round open enrollment, you can start protecting your students now! To ENROLL in our Zero Deductible Accident Medical Plan, simply call one of our knowledgeable team members for an application, or to ask any questions.

Partnered With and Endorsed By:

Available to AHSAA Schools

Healthcare Reform
(Affordable Care Act or ACA)

Healthcare Reform will have a major impact on student/athletics and activities insurance coverage now and in the future. Only a knowledgeable consultant can make it simple. Call us and find out how ACA will impact your school and students.

State Health Exchange Services

Team Assure offers a ZERO DEDUCTIBLE ACCIDENT MEDICAL EXCESS PLAN that can cover your students as students/athletics/and activities participants for expenses, deductibles, and co-pays that are not covered by a parents’ plan. In 2014 and beyond, the type of health plans offered under the Affordable Care Act (ACA) will be more expensive and offer fewer benefits, resulting in premiums that may double in the near future. Because of this many small businesses are planning to cancel their group health plans. The impact of ACA will drive more parents and guardians to seek higher deductible plans with fewer benefits. This will expose many students and schools to more claims and potentially more liability from parents who expect the school to pick up these types of medical costs for their children’s activities at school.

For students enrolled in our low-cost insurance plans that have no other coverage, our excess accident medical plan becomes even more important. Team Assure has the answers to issues brought by the ACA. All programs offered by Team Assure are in compliance with the ACA and we will help your school remain compliant with the regulations required by the ACA. For plan and enrollment information, please give us a call at 888-636-7272.

As Low as $6 per Student
or Student Athlete
per Year

Services We Provide

  • Insurance Consulting
  • Client Advocacy Services
  • Healthcare Reform and Compliance
  • Catastrophic Coverage
  • Risk Management Consulting Services
  • Cost Containment Strategies
  • School/Personal/Business Liability

PLEASE NOTE: This accident insurance is an excess plan and is not meant to pay 100% of the bills. This is not and can never become a Major Medical Health Plan.

FULL EXCESS- Eligible covered expenses will be paid only if they are in excess of other valid and collectible insurance. You must submit your claim to all other insurance companies first. When you receive Explanation of Benefits Statement (EOB), send it, along with corresponding itemized bills from providers. Benefits for eligible expenses will be paid per Benefit Plan terms. The Notification of Injury Form (claim form) must be submitted within 90 days from the date of injury. Treatment must commence within 30 days from the date of injury by a licensed medical doctor. Each injury has a one-year (52 week) benefit period. Do not rely on the provider to file a claim for you. You are responsible for filing your claim form and all additional information. NO ADDITIONAL CLAIM FORM IS NECESSARY.

About Us

Over the past 35 years, Team Assure, Inc. has evolved to be one of the leading full service insurance brokerages, Managing General Agency, and Risk Management firms in the Southeastern US.

Team Assure, Inc. has a wide array of niche and specialty insurance programs, and we specialize in Zero Deductible Excess Insurance for students, student athletes, and school staff, and Catastrophic Insurance.

With a commitment to detail, we listen carefully to every client in an effort to develop a shared understanding of their needs and what is expected of our team. We listen because the better we understand you, the better we can commit all our strengths to meet your individual needs. We understand that we work for you, and we are committed to work with your team to develop a true partnership so we can approach the insurance marketplace together in an effective and committed endeavor.

At Team Assure, Inc., we are ready to work for you.

Our Mission

To deliver quality programs and insurance products to our clients with a high level of service, responding to the challenges of the client’s needs and budget. And to work towards earning lasting relationships built on a foundation of honesty, integrity, and trust.

Our Leadership

Dax Anderson, President – dax@teamassure.net

Larry Enis, New Business Development – larry@teamassure.net

Gary Anderson, Director of Client Services – gary@teamassure.net

Frequently Asked Questions

What if a child is injured that has no primary insurance plan? The State High School Athletic/Activities Association or other School Associations and the participating schools assume that parents have a Major Medical Health Plan in place. If a parent does not have a major medical plan in place on your child, please contact your school or our office and we will assist you in applying for such coverage from Medicare, Medicaid, All Kids, Chips and Blue Cross and Blue Shield group and individual plans. However, if a child has no other insurance at the time of injury this plan will pay the benefits according to the Benefits of the Plan selected by the School. 
Definitions > Accidental Injury: Means an unexpected or unforeseen event occurring suddenly and violently, with or without human fault, and causing at the time physical injury to the body or damage to an artificial member of the body, and taking place not according to the usual course of events (for example a motor vehicle accident). Accidental injury does not include any damage caused by chewing or biting on any object.
Medically Necessary: Means that a Covered Accident Medical Service or Dental Service: (1) is essential for diagnosis, treatment or care of the injury for which it is prescribed or performed; (2) meets generally accepted standards of medical practice; (3) is ordered by a Physician and performed under his or her care, supervision or order.
Usual & Reasonable Reimbursement: Means the benefit plan described is an Association Plan Sponsored by State High School Athletic/Activities Associations or schools on behalf of its participating members. The plan will reimburse the plan participant for expenses that are considered patient responsibility under federal tax code medical reimbursement guidelines. The reimbursement amount is limited to the amount that is normally paid by the most common payer or an average of the amount normally paid by Medicare, Medicaid and Blue Cross and Blue Shield group and individual plans.
How can I request a quote? > Go to the top of the website page and scroll over the FORMS ICON and click on REQUEST A QUOTE. Fill in the Quote Request Form completely and click on the SUBMIT ICON at the bottom of the form. We will verify that we have received your request and we will be back in touch with you with your quote.