Questions about Insurance

Hey Group Leaders!

Some of you have asked about what to do if you have a student or adult coming who doesn't have primary insurance. I asked John Bailey of the national World Chanagers staff and following is his response:

The choice is up to the participant as to what the options are. Here are some thoughts...

1. Search the Internet and buy temporary primary coverage. It is not that expensive. Your church may want to do that as a ministry to the student's family.

2. Choose not to buy the insurance and simply say on the participant form we do have have primary insurance. The form does say in the event that there is no primary insurance the parent or guardian will be responsible for the costs of any medical care. Note: The insurance provided by World Changers is a supplemental accident policy. In the event of no primary health insurance, it kicks in up to $5,000 for the uninsured on a non existing condition. That goes quickly if a studetn breaks an arm but it is something.

3. The church could offer to cover any medical costs of the student in event of an accident.

Hope this helps as we approach the final weeks up until the project.

Blessings all!
Tim