Athlete Health Insurance

 

Designated Team USA athletes are eligible to receive health and medical insurance through the U.S. Olympic Committee’s Elite Athlete Health Insurance Program (EAHI), which provides a level of base support to help minimize out-of-pocket medical care expenses. EAHI is administered by Highmark Blue Cross Blue Shield (BCBS) and is a preferred provider organization (PPO) plan with a network of medical service providers contracted with BCBS.

For more information, contact a USOC EAHI administrator at eahi@usoc.org.

FAQ

How do athletes qualify for EAHI?
The USOC grants National Governing Bodies and U.S. Paralympics EAHI slots, which are then distributed to athletes based on criteria established by the NGB and approved by the USOC. Questions regarding EAHI distribution criteria should be directed to the respective NGB or U.S. Paralympics coordinator.

Does EAHI meet minimum essential coverage?
Most U.S. residents must have health coverage that qualifies as minimum essential coverage to avoid tax penalties. EAHI is a qualifying health plan that meets minimum essential coverage.

How do qualified athletes enroll in EAHI?
Once an athlete is offered EAHI from their NGB and the athlete accepts the offer, the athlete will receive an email with a link to the EAHI enrollment forms. The athlete must complete and submit all forms for coverage to begin.

When does EAHI coverage begin?
One the athlete has completed and submitted their forms, coverage will begin on the first day of the following month. For example, if the completed forms are submitted on May 1, coverage will begin that same day; however, if the form is received May 2-31, coverage will begin June 1.

What costs are associated with EAHI?
The following table lists 2018 amounts paid by athletes and reported to the IRS once athletes enroll in EAHI:

2018 Benefit Value

Paid by Athlete

2018 Monthly
Taxable Amount

2018 Annual Taxable Amount

Athlete Only

$460

$0

$460

$5,520

Athlete + Child

$920

$110

$810

$9,720

Athlete + Spouse

$920

$132

$788

$9,456

Athlete + Family

$1,680

$144

$1,536

$18,432

The USOC is obligated to file IRS Form 1099-misc to report premiums paid on behalf of athletes on an annual basis, and the monthly taxable amount is considered added income.

Which medical providers are included in the Blue Cross Blue Shield network? Does EAHI provide coverage outside of the United States?
EAHI provides coverage worldwide. For a list of BCBS participating providers, visit bcbs.com and click on "Find a Doctor.” Note, the first three letters of the member ID are OAM.

Does EAHI include a dental or vision plan?
EAHI does not include a plan for dental or vision. However, per the Affordable Care Act, limited dental and vision services are provided under the medical plan for participants under the age of 19.

The USOC National Medical Network offers a volunteer dental network that provides routine dental care (i.e., cleaning, exams and cavity care) to athletes who are enrolled in EAHI. Note dental services are not available to dependents through EAHI.

Additionally, enrolled athletes may receive a one-year supply of contact lens free of charge (not available to dependents). Athletes may apply for this service every 12 months as long as they are eligible for EAHI.

For more information regarding dental and vision care, contact nmn@usoc.org 800-933-4473 ext 2.

Does EAHI include life insurance coverage?
The USOC provides a $10,000 life insurance policy at no cost to athletes who are enrolled in EAHI. This policy is for athletes only and does not include dependents.

Can an athlete be removed from the EAHI program or cancel coverage? 
There are three ways to be removed from EAHI:

  • Voluntary removal – An athlete may terminate coverage with the EAHI program by submitting a written request to eahi@usoc.org. The email must include the name and contact information for their National Governing Body representative. Once a written request is received and confirmed by the USOC, coverage will terminate at the end of the month.
  • Involuntary removal -- When an athlete no longer meets the criteria to remain on EAHI, written notification will be mailed to the athlete's last known address on file at least 30-days prior to the date of termination confirming termination of coverage for the athlete and their dependents, if applicable. Termination is effective on the first day of the month following the 30-day written notification from the USOC.
  • Doping violation --  An athlete reported to the USOC as having a doping rule violation where the period of ineligibility is more than 3 months will be removed from EAHI. Termination is effective on the first day of the month following the 30-day written notification from the USOC.

Once terminated from the program, can an athlete continue on EAHI?
An athlete who is enrolled in EAHI but no longer qualifies to remain in the program, will receive notification in the mail from the USOC's EAHI administrator of their removal from the program with the option of purchasing up to 12 months of temporary coverage on the USOC's Continuance Plan. Information will be mailed upon termination, and the athlete will have up to 60 days from the date of termination to enroll in the program.