NSCC INFORMATION LETTER 2-00
1. Purpose. To advise all units and field organizations of a change in policy coverage in the Naval Sea Cadets medical insurance coverage. 2. Background. The Naval Sea Cadet Corps has two types of insurance policies. One is liability insurance to protect unit leaders in case of civil lawsuits. The other insurance policy is for medical insurance for both cadets and civilian adults who are enrolled in the NSCC program. The NSCC medical insurance policy is renewed on or about 9 June, annually. 3. Discussion. Recent information from the NSCC insurance agent indicates that when the NSCC medical insurance policy was renewed there were some minor policy changes:
4. Based on the above criteria, the following medical conditions are payable under the NSCC policy; abrasions, bites, concussions, contusions, food poisoning, incision, laceration, poison ivy, puncture, removal of foreign bodies, sprains, stings, strains, and sunburn. First-time only diagnosis for drug overdose, self-inflicted injury, and suicide are also payable. 5. CIGNA does not consider as covered accidental-injury expenses charges for recurrent injuries. I.E. tennis elbow, runner's knee, re-sprains, re-strains, allergic reactions, non-traumatic nosebleeds or work related injuries. 6. After reading the insurance language, unit commanding officers will find that our insurance policy still covers most legitimate injuries and the changes made to the policy seem no different from our previous coverage. Unit commanding officers still need to screen personnel closely (as best you can) to ensure we do not send someone to a commercial medical facility unless there is a real need. The first treatment per accident must begin within 60 days of the accident, and services and supplies must be prescribed by a doctor. 7. Unit commanding officers and COTCs must insure all medical incidents (to include illnesses and other injuries not covered by the enclosed policy) are reported in FULL detail and submitted to NSCC NHQ on the NSCADM:025 form as soon as possible! Original itemized bills need to be forwarded to NHQ with the NSCADM:025 or soon thereafter. Any bill or NSCADM:025 not received by NHQ prior to 12 months from the date of the accident is invalid. 8. Cancellation. Widest dissemination of this information is requested. This letter is canceled upon renewal of the policy in June 2000.
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