The Ridgewood Public Schools Board of Education has purchased a Student and Athletic Accident Insurance Policy for the 2024-2025 school year through BMI Benefits, LLC. The plan provides coverage to all students and athletes for all school-sponsored and supervised activities. District coverage is as follows:
$25,000 Max payout
$500 deductible
70% coinsurance (70% paid by the policy, other 30% paid by your insurance)
In order to be reimbursed, all claims must:
Be accompanied by a fully completed BMI Benefits Accident Claim Form
Be itemized on an HCFA 1500, UB04, or ADA Dental Claim Form
Have a primary explanation of benefits
Have a copy of the receipt(s) showing proof of payment
Please be aware that this coverage is in excess over any other group or personal insurance you currently hold. This means that in the event of a covered incident, you must first submit the claim to any other applicable personal insurance policies. You can submit any unpaid balances resulting from deductibles, co-pays, or co-insurance to the school’s plan for consideration. If you do not have other applicable insurance, the school’s plan will provide the primary benefits subject to the plan's limits and exclusions. Since the district’s plan has a $500 deductible, we urge you to consider the voluntary policy, which provides more extensive coverage.
You may obtain the forms in the school nurse’s office or by visiting this link. If you require additional assistance, please contact your school nurse or BMI Benefits at 800-445-3126.
Optional Additional Insurance
Parents may voluntarily purchase 24-hour accident insurance coverage through Bob McCloskey Insurance (the school’s policy only covers school-related injuries). The flyer is posted on our website, under the Parent Resources tab, should you wish to expand this protection. Participation in any of these plans is strictly optional. Parents wishing to purchase these voluntary student accident insurance plans should apply online at www.bobmccloskey.com/k12voluntary.