ACC Student Accident Insurance helps pay for covered medical expenses when a registered student is injured during an ACC-covered activity, such as on an ACC campus, during class-related activities, or while participating in a College-sponsored event.
The policy provides up to $25,000 per covered accident or claim, with a $25 deductible per claim. The insurance pays covered medical expenses based on reasonable and customary charges, which may vary by treatment, procedure, and provider location. Students may be responsible for charges that exceed the insurance company’s reasonable and customary reimbursement amount, as well as any costs not covered by the policy.
This coverage is intended to help with accident-related medical costs, but it is not a substitute for personal health insurance. Students are encouraged to maintain personal health insurance, especially when participating in higher-risk coursework or activities such as welding, nursing, automotive technology, building trades, fire academy, HVAC, laboratory work, clinical programs, or similar hands-on instructional environments.
If a student has personal health insurance, that coverage may also be involved in the billing or claim process. If a student does not have personal health insurance, ACC Student Accident Insurance may still provide benefits for covered accident-related expenses, subject to the policy limits, deductible, reasonable and customary reimbursement rules, and any other policy requirements.
Students remain responsible for their medical bills. Billing is handled between the student and the medical provider, and students are responsible for working directly with the provider and the insurance company to complete the claim process. ACC Risk & Fleet Management provides student accident claim information but does not make medical, billing, or claim-payment decisions. An Injury Claim form must be submitted, on behalf of the student, to Mutual of Omaha, the Insurance Carrier. This policy is designed to cover any remaining balances of expenses related to a covered injury/accident that are not covered by the student’s primary insurance (including co-pays, deductibles, coinsurance, etc.) and left to patient responsibility.
Step I: Required Documents for Medical Care, Prescriptions, and Insurance Coverage
To ensure that claims are covered under the Secondary (Excess) Student Accident Insurance, students are asked to give the billing information to each medical provider before every medical treatment and/or service for a covered injury. Please present the Identification Card below. Should a student receive a patient balance due statement from the provider, the student should call the provider and be sure they have Mutual of Omaha’s billing information as secondary.
Your medical provider will need to be shown your Accident Insurance Claim email for Verification of Enrollment for your Student Accident Insurance claim.
- Use the following tool to help find an in-network provider, or see your own primary care provider if available: https://www.pswca.org/find-a-provider.html
Step II: Insurance Claim Process
An ACC employee will submit a Student Accident Insurance claim form on your behalf shortly after the accident. Keep an eye on your student inbox for an email titled Student Accident Insurance Claim – [Your Name] from accriskmgmt@austincc.edu. This email will also be sent to specialrisk.claims@mutualofomaha.com, the company ACC works with for Student Accident Claims.
To start a Student Accident Insurance claim, download and fill out a copy of the Student Accident Insurance packet and ‘reply-all’ to the Student Accident Insurance Claim email.
Mutual of Omaha will then have the necessary information to begin the claim. You are responsible for keeping in contact with your insurance adjuster during this process and providing them with the information they request. ACC Risk Management’s role in the Student Accident Claims process is completed once the Accident Insurance Claim email is sent.
If you do not wish to start a Student Accident Insurance claim, please reply to the Student Accident Insurance claim email with the following:
“I, <Your Full Name>, the injured student, choose not to file a Student Accident Insurance Claim for the injury reported at this time. I understand that this decision will halt all further claim processing. If I decide I want to file a claim in the future, I must complete all necessary requirements listed above to file a Student Accident Insurance Claim.” Please attach a copy of your ACC Student ID Badge to serve as your signature.
Contact Us
Office of Risk Management & Insurance
RFM Support Form
Risk Management: risk@austincc.edu