HeadStrong Concussion Insurance
Program Resources Accompanying Information
The HeadStrong Concussion Insurance Program was developed by Dissinger Reed to specifically insure student athletes from the high cost of concussion treatment and neurological follow up.
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 payor, if no other insurance is available.
HeadStrong Concussion Insurance Policy Information
State High School Association: Sporting Nebraska FC
Broker: Dissinger Reed
Claims Payor: Mutual of Omaha
Insurance Carrier: Mutual of Omaha Company – AM Best Rated A+XV
Policy#: SR2014NEP054180017
Coverage Period: November 1, 2025 November 1, 2026
Deductible:$0 per claim
Eligible Person: All athletes participating in a Covered Activity
Covered Activities: Participating in practice or play of Soccer governed and/or sponsored by Sporting Nebraska FC.
Medical Maximum:$25,000 per injury
Benefit Period: 1year (Benefits will be payable for 1 year from the injury date)
Usual and Customary: 100% AccidentalDeath&
Dismemberment: $5,000 AD&D
Aggregate: $250,000
Contact for Customer Service/Claims:
Special Risk Services
P.O. Box 31156
Omaha, Nebraska 68131
Claim Inquiries (800) 524-2324
Email: specialrisk.claims@mutualofomaha.com
Justin Vandewynkle – HeadStrong Program Manager
Phone: 913-488-9449
Email: justin.vandewynkle@hubinternational.com
Mykah Love– Claims Manager
Email: mykah.love@mutualofomaha.com
Insured with last names A-H
Ned GonzalesVasquez– Claims Manager
Email: Ned.gonzalesvasquez@ mutualofomaha.com
Insured last names I-P
Taylor Locke– Claims Manager
Email: taylor.locke@ mutualofomaha.com
Insured last names Q-Z
Please submit the completed and signed claim form along with itemized bills and EOB’s from the primary insurance carrier. The more information you can provide upfront, the better. Claims payments are expedited with CLEAN submissions.
Program Highlights Include:
- $0 deductible and no Copays
- Telemed Services, when needed
- No restrictions on specific doctors
- No referrals needed for treatment
- No specific procedure maximums
FAQs
Headstrong is an excess accident plan. What does that mean?
- The Insurance will pay for covered charges after the primary insurance has been exhausted.
- Also referred to as “secondary policy” in that it will pay secondary to any primary insurance in place.
- The insurance will also pay for any covered charges the primary insurance will not cover (including deductibles, copays, and any other outofpocket charges).
I have primary insurance, what policy should I give to the provider?
It is best to give the provider BOTH: primary insurance information and the Mutual of Omaha information for the concussion program. The provider should then work directly with Mutual of Omaha to bill primary insurance first, and the Headstrong Concussion Insurance second.
Do I need a referral to see a concussion specialist?
There are no restrictions on specific doctors, and no referral is needed.
What is the policy deductible?
The policy deductible is $0. The insurance offers firstdollar coverage for concussion assessment and treatment. The insurance will pay for outofpocket costs remaining from the student’s primary insurance (copay, deductible, treatment not covered), or will become the primary payor, if no other insurance is available.
I already paid the provider out-of-pocket, will the insurance reimburse me directly?
Yes. Please submit the claim form, other insurance questionnaire, along with Bills and Explanation of Benefits to Mutual of Omaha. It is recommended to contact Mutual of Omaha prior to paying for services out of pocket.
What events are “covered events?”
Participating in practice or play of sports governed and/or sponsored by the State High School Association.
How do I submit a claim?
Full details are provided in the Program Guide. You will need to fill out and submit a claim form (incident report), and Other Insurance Questionnaire to the Special Risk Services listed above.
On the claim form: Insured Representative. Who is an Administrator?
This can be a school administrator, athletic trainer, coach or another association representative. It is best to have the school representative be a person who was present at the time of the accident.