The Biggest Names in College Sports Trust Dissinger Reed

Since 1982, Dissinger Reed has been responding to the rising costs of premiums and medical expenses on behalf of our clients. Dissinger Reed is always proactive in securing the most comprehensive insurance coverage for any risk within your college/university/junior college athletic department, including insurance for camps and clinics, international students and more.

By partnering with the finest colleges and universities in NCAA Division I, II, & III, as well as NAIA and NJCAA institutions, Dissinger Reed has earned our reputation for proactive service and exceptional products.

Secondary Athletic Insurance

Learn More

Dissinger Reed is widely known as one of the true experts when customizing college and university athletic insurance programs. Because we actively listen to our clients and their specific needs, we are able to deliver detailed and comprehensive Basic Athletic Insurance programs for colleges and universities throughout the United States.

Specific options for individual institutions can include:

  • Ability to provide quotes from numerous insurance carriers
  • Primary Insurance Verification
  • Fully insured, aggregate deductible and complete self insurance programs
  • Maximums up to $90,000 for NCAA institutions and $25,000 for NAIA schools, NJCAA, and 2-year institutions
  • Deductibles at any level
  • Coverage benefits can include: Expanded Medical Benefits, HMO/PPO Benefits, Heart & Circulatory and Pre-Existing Condition Benefits, Prospective Student Athlete (PSA), Guest and Recruit Coverage
  • High Limit Accident Death and Dismemberment
  • Catastrophic Cash Benefits
  • On-Line claims review and management 24 hours a day
  • Third party administrator opportunities for repricing and provider fee scheduling
  • Cheer/Dance/Band coverage included

To request a quotation, fill out our Online Quotation Request Form or you can download our Quotation Request Form (PDF).

Domestic Student Athlete

Learn More

Dissinger Reed understands the changing landscape of primary insurance and how the current legislation has changed your out of pocket expenses. The importance of primary athletic insurance is at an all time high and Dissinger Reed can help you with the constantly changing individual health insurance marketplace.

As more colleges and universities are requiring student athletes to have some form of primary insurance in place, Dissinger Reed is here to assist you find a low-cost, comprehensive plan that covers intercollegiate athletic injuries.

Dissinger Reed offers:

  • Short Term Medical insurance
  • PPACA compliant plans available
  • Accident only medical insurance (no sickness)
  • Campus-wide Mandatory Student Accident Plan (MSAP)

International Student

Learn More

International students and student athletes have become a large part of the college/university student body. In most cases, the individual institution (or state) will dictate if your International insurance plan must comply with the U.S. Healthcare reform laws. Either way, Dissinger Reed can specifically tailor a program to fit the needs of your international students while offering the most affordable rates.

With plans customized for F-1 and J-1 international students studying in the United States or US students who are studying abroad, we can offer the highest quality of coverage for every travel need. Some of the highlights of the international student plans include:

  • Medical Maximums starting at $500,000 and up to unlimited coverage
  • Coverage for Intercollegiate Athletics (up to $20,000)
  • Medical Evacuation (exceeds federal minimums)
  • Medical Repatriation (exceeds federal minimums)
  • Emergency Reunion (exceeds federal minimums)
  • Maternity and Mental Health Coverage available
  • Prescription Coverage availabile
  • Affordable Care Act compliant plans available

Student Health Insurance Campus-wide

Learn More

Campus-wide health care solutions. Dissinger Reed has been a leader in meeting student health care needs since 1982, specializing in the development of custom student health insurance plans for colleges and universities throughout the country.   If you need a comprehensive sickness and accident student health plan for your domestic and international students, look no further. Dissinger Reed understands the everchanging healthcare needs of a student’s life, and specializes in bringing adaptable, tailored plan designs, along with seamless, smooth implementation and outstanding customer service. It is through our commitment to student health that we make sure every college and university has the right tools in place, along with the most robust health insurance options, to help create the best possible healthcare experience for everyone.

Student Health Insurance Plan Options
Our mission is making sure students always come first. Which means we come prepared with the right answers and the right product options. Together we have the opportunity to empower and help students live healthier lives.

Specific options for your institution can include:

  • Quotes from numerous insurance carriers
  • Campus-wide student health plans for domestic and international students
  • Online administration portals
  • Insurance verification program
  • Patient Protection and Affordable Care Act-compliant plan designs
  • Repatriation and medical evacuation
  • Plans that include intercollegiate sports benefits
  • Deductibles at any level
  • Prescription coverage

To request a quote, fill out our Online Quotation Request Form, or you can download our Request for Quote – Sales Form.

Mental Health Services

Learn More

Dissinger Reed’s mission is to provide the most comprehensive care for students and athletes while bringing the mental health discussion to the forefront and help eliminate the stigma associated with these issues. Dissinger Reed offers a customized mental health solution that allows enrolled students and student-athletes access to licensed therapists, through Talkspace online messaging therapy.

With Talkspace, students can send their dedicated therapists unlimited text, video, picture and audio messages from anywhere, at any time, using the device or method in which they are most comfortable. For many of the Colleges and Universities partnering with Dissinger Reed this service compliments existing on-campus resources and counselors in their deep commitment to provide multi-faceted mental health solutions. 

  • Secure, HIPAA compliant and confidential web and mobile platform
  • Online platform for behavioral therapy via text, voice or video message
  • Access to over 5,000 licensed Behavioral Health therapists across the United States
  • Therapists engage with clients daily, 5 days a week
  • Individualized treatment plan, goal setting, and monitoring of outcomes
  • Messaging therapy has been shown to be effective for most common issues that represent over 85% of behavior health concerns: depression, anxiety, substance misuse, PTSD, stress, grief and relationship issues
  • Customized mental health programs for student-athletes and for all student’s campus-wide


In the past year alone, three out of five U.S. college students experienced “overwhelming anxiety.” Yet only 10-15 percent of students sought help at their counseling centers. Barriers like clinician availability, time-commitment and fear to ask for help prevent students from accessing behavioral health care during an important developmental phase in their lives.


Talkspace is a telebehavioral healthcare company. Its signature psychotherapy product connects individual users with a network of over 5,000 licensed therapists through an easy-to-use and HIPAA-compliant web and mobile platform. Talkspace also provides psychiatry services, including prescription fulfillment.

Our exclusive partnership with Talkspace provides a discounted rate to our clients and potential clients. Please reach out to Dissinger Reed directly for additional information regarding this service.

Contact Us

Athletic Trainer Liability Insurance

Learn More

As an Athletic Trainer, you work extremely hard in taking care of your student athletes and teams. It is also important to protect your own interests while performing your various duties and insurance can play a key role.  Dissinger Reed, along with our partner CM&F, now bring athletic trainers, as well as other fitness and rehabilitation professionals, the most comprehensive and lowest cost professional liability insurance policy in the market today. Our professional liability insurance is tailored to your needs and follows you wherever you practice.  You can focus on your athletes while we protect your personal assets, license and reputation!

Top 5 Coverage Benefits for Athletic Trainers:

  • Premiums as low as $220/year employed and $1,214/year self-employed
  • Full-time, Part-time, Telehealth and Moonlighting coverage, portable wherever your Standard Operating Procedure takes you, 24/7/365
  • Full Consent to Settle – Some individual policies do NOT allow the Athletic Trainer to consent within a given litigation matter
  • Defend and protect YOUR best interests – Defense/legal costs covered IN ADDITION to indemnity payment while having access to your own attorney (Defense Costs are NOT inside your liability coverage limit)
  • Recognizing the hands-on nature of Athletic Trainer services, CM&F offers up to $25,000 in defense coverage for any sexual misconduct claims
  • Coverage allows additional insureds at any time and with no additional cost; the competition will charge for additional insured certificates

Dissinger Reed is thrilled to announce our partnership with CM&F Group to offer you affordable, comprehensive professional liability coverage that brings you peace of mind so you can focus on your true passion!

Call or Click for a competitive quote and review of your current policy. We have dedicated underwriters available to walk you through this important piece of your professional liability!

Review Coverage Flyer Here

The 5 Key Aspects To Consider For Your Professional Liability Coverage

Coverage Backer™

Learn More

Coverage Backer™ is a unique product designed to protect your secondary insurance plan by verifying whether primary insurance is truly in place and active. Here are some of the benefits Coverage Backer™ can offer your institution:


For .75 cents per student, Coverage Backer™ verifies whether your student athletes’ primary insurance policies are active.


All that is needed is an Excel spreadsheet with your student athletes’ primary insurance information.


Within 24 hours, Dissinger Reed will deliver a customized report showing deductible information and the validity of your athletes’ coverage

Collegiate Catastrophic

Learn More

Now, more than ever, it is imperative that every College and University have a catastrophic medical plan in place. With surgeries and procedure costs at all-time highs, unfortunately, the catastrophic deductible levels are never out of reach.

Catastrophic coverage for Junior Colleges, 2-year colleges, and transitional institutions will continue to have a $25,000 deductible for the 2020-21 policy year. Dissinger Reed can provide a comprehensive review of your current catastrophic plan and recommend any necessary modifications. Each institution has the right to select its own carrier and plan design.

Plan benefits can include:

  • $25,000 Deductible ($35,000 and $50,000 Deductible/Medical Maximums also available)
  • 5-year, 10-year or Lifetime benefit options available
  • Catastrophic Maximums from $1,000,000 to $5,000,000
  • Defined Benefits available (college education, home remodeling, vehicle adaptation, etc.)

We can also tailor a custom catastrophic insurance plan for you if your specific need does not fit the traditional limits/design.

Other Collegiate Programs

Learn More

Because every athletic department has varying risks and specialty needs, Dissinger Reed can provide coverage for unique products and coverages.

  • Discounts student athlete pharmacy charges up to 50%
  • Eliminates Copay and Deductible payments
  • No out of pocket cost to institution
  • Utilizes your current local pharmacies
  • Lifetime benefits ranging from $1,000,000 to $5,000,000
  • Deductibles from $25,000 to $90,000
  • Coverage for off site competitions and non sanctioned, supervised events
  • Travel coverage included
  • General Liability Coverage with Sexual Abuse
  • Participant Legal Liability Coverage
  • Accident Medical Coverage
  • Up to $250,000 death benefit per student athlete
  • $25,000,000 Aggregate per team travel
  • Coverage for Brain Death, Paralysis or Coma
  • Benefits from $1,000,000 to $10,000,000
  • Cash benefits are not offset by other valid insurance
  • Coverage for athletic department staff, family members and those traveling on behalf of the institution
  • High Limit Accidental Death & Dismemberment
  • Both first dollar coverage and high deductible plans are available for any/all Club and Intramural Sports
  • Limited or Lifetime benefits can be customized for any institution
  • Disability payments in the event of a career ending injury
  • Benefits range from $1,000,000 to $10,000,000
  • Premium financing available
  • Coverage for elite athletes who experience diminished ability due to injury
  • Loss of Value amounts up to $25,000,000
  • Coverage protecting the college or university should a participant bring litigation (most General Liability policies exclude Participant Legal Liability).
  • Participants include home team, visiting team, officials and game workers.
  • Available for Intercollegiate or Intramural athletic activities
  • Protects the institution when unforeseen events cause the postponement or cancellation of a covered game or event.
  • Reimbursement provided for ticket revenue, concession sales, advertising, etc.
  • Specific coverage for weather related claims or terrorist activity
  • General Liability Coverage with No Aggregate
  • Accident Medical Coverage at any level
  • Directors’ & Officers Coverage

Contracts are becoming more and more important in collegiate athletics. A good contract with plenty of incentive can help retain top coaching talent but can also cost the university an extraordinary unbudgeted capital when the milestones are achieved. Low cost insurance can protect your budget and make those bonus payouts for you.

  • Budgetable expenses
  • Covers teams’ performance achievements, as well as academic benchmarks
  • Premium based on which coaches you would like to include and a schedule of their bonuses
  • Coverage also available to protect the future contractual obligations paid to a coach when his or her results fail to meet the expectations of the collegiate athletic program. Loss of value amounts up to $10MM
  • Telehealth: Online Counseling Program available with certified counselors for students via the web or mobile app (depression, anxiety, stress, eating disorder, etc.) Does not prescribe medications
  • Telemedicine: Board-certified physicians available 24/7/365 for phone or online consultations. Prescriptions for acute illness’s sent to the pharmacy of choice if warranted (allergies, bronchitis, sinusitis, strep throat, etc.)
  • Student assist program coordinate a network of services such as mental health counseling, financial and legal advice, mediation, etc. with licensed clinicians, CPA’s and certified financial planners
  • Cover the potential financial burden of success
  • Cover a specified dollar amount of post season travel expenses
  • Customizable and underwritten by team, annually
Quick Links

Our University Clients

Learn More

Request a Quote

Learn More