[RonF]

The BSA's insurance is not supposed to pay for everything. It's supplemental; it's supposed to pay for what your own insurance won't pay for. And from what you describe, it's not clear whether we're talking about liability insurance or health insurance, which is a whole different issue.

[Coleus]

health insurance. it's worthless.

Ron, whether it's primary or secondary is not the issue, the issue is that it's not paying for his treatment. If one does not have a primary health insurance policy, then the BSA health policy becomes the primary insurer. The coverage stinks and is very limited and the BSA does not do enough to educate parents, especially inner city parents who may not have primary coverage, It's very careless, reckless and insensitive of the BSA to recruit poor children and not tell their parents of the new Scouts that the accidental and sickness policy is very limited and doesn't pay for very much. Shame on them.