Coverage
Adrian College provides secondary athletic accident coverage for all student-athletes participating in NCAA intercollegiate athletics. An accident is defined as an unexpected, sudden, and definable event, which is the direct cause of bodily injury independent of any illness, prior injury, or congenital disposition. Coverage is NOT provided for medical expenses resulting from illness, disease, or conditions unrelated to accidental bodily injury. Pre-existing conditions, out-of-season injuries, injuries that occur in-season that are not directly related to competition or supervised practice (intramural, conditioning class, etc.) or routine medical care (illness, dental or eye care, etc.) are not covered.
For other policy exclusions, please contact the athletic training room at 517-264-3969.
Procedures
If a student-athlete is accidentally injured during competition or supervised practice and generates medical expenses associated with the accident, all claims must first be filed with the student's or parents' personal (primary) insurance company.
If a balance remains after the personal insurance company has paid its maximum, that balance can be submitted to the school's insurance company.
If the expense is covered, the school's insurance company will pay the balance of the eligible medical expenses up to the maximum of the policy.
If the primary family coverage is through an HMO or PPO, the proper procedures required by that plan must be followed in order for the school's insurance to satisfactorily complete its portion of the claim. This is especially important if the plan requires pre-authorization to have the student-athlete treated out of the plan's network or service area.
Submitting Claims to Adrian College
To pay the balance of the bill, the student-athlete must submit the bill to the Athletic Trainer along with a copy of the EOB (explanation of benefits) from their insurance company showing that the personal insurance has already paid its maximum.
Please submit bills to:
Athletic Trainer
110 S. Madison St.
Adrian, MI 49221.
For any questions, please call 517-264-3969.