As you are well aware of, with the participation of athletic competition comes injuries that will require medical attention during a student athlete's career here at Adrian College. Clearly, student athletes and their parents/guardians remain responsible for the expenses for health, medical and emergency care, treatment for illness and injuries, which are not covered by insurance.

However, Adrian College currently carries an athletic accident insurance policy, which provides additional coverage for injuries sustained during a game or supervised practice with intercollegiate athletics. This insurance is excess or secondary to any other collectable group insurance benefits. This means that any claim for benefits must first be filed with the group insurance companies providing coverage to the student athlete through the employers of the parent/guardian or the student athletes. After these companies have paid all available benefits, our athletic insurance company, First Agency, Inc., will then review the claim to determine if any remaining unpaid bills are covered by the College's insurance policy.

Please note that Adrian College does not have the option of waiving the requirement of first filing claims with your our group insurance company. Furthermore, there are also very specific procedures that needed to be followed when seeking medical attention for the student athlete. Please read and follow all insurance information and directions carefully in order to minimize the possibility of unpaid bills.

The College stresses the fact that this coverage applies only to injuries that occur while participating in the play or practice of supervised intercollegiate sports. It does not cover illness, pre-existing injuries, dental, vision, or any other medical problems not related to such accidents in play or practice.

The athletic training staff will provide many types of medical care and treatment, but it may also seek medical attention form other sources. The College provides the additional insurance to assist our student athletes and their parent/guardians. However, the insurance carriers in accordance with the policy limits will generally determine any of the disputes as to whether or not a claim will be paid.

Sincerely,

Jamison Fetter, MS, ATC
Head Athletic Trainer
Adrian College
Office: (517)-264-3969
jfetter@adrian.edu

PLEASE NOTE THE FOLLOWING:

1. Many employers' group insurance policies allow dependent coverage to continue until the age of 24 if the dependent is a full-time student. It may be in your best financial interest to not drop dependent insurance during the time of participating in intercollegiate athletics.

2. By utilizing both your group insurance and our athletic accidental insurance, it is possible that many bills for injuries will be paid in full, or at least to the extent the coverage allows. It is intended to work with your group insurance making payments after your group insurance has paid all allowable benefits.

3. Adrian College's accidental athletic insurance acts only as a secondary insurance because it takes effect after your group insurance pays what it considers to be "usual and customary" expense for the treatment provided.

4. All student-athletes that, and is on the official roster, are automatically enrolled in our accidental athletic insurance. (This is separate from the student health insurance program.)

5. Any pre-existing injuries, "wear and tear" injuries, or off-season injuries (i.e. injuries in P.E. classes, intramural sports, recreational activities, etc.) are not eligible for coverage.

6. All injuries need to be reported the Athletic Training staff or within 10 days of the injury in order to have insurance activated and authorized.

7. A referral is required from the Adrian College certified athletic trainers if the college's secondary insurance policy is to cover any portion of the charges incurred from the athletically related injury. Any circumvention of these procedures will negate Adrian College's commitment to cover costs associated with treatment of the athletic injury.

8. It is the responsibility of the student athlete to fill out the proper insurance claim paperwork at the Health Center within 10 days of the injury.

9. If you receive any bills related to an injury, please bring/mail them to the Health Center.

10. It is required by Adrian College that all full time students (12 credit hours or more) must have health insurance, whether it is your parents/guardian group insurance or insurance through Adrian College. All full time students will be automatically enrolled in the student health insurance available through Adrian College. If you do not want the College's insurance then you must fill out a decline waiver form or your student account will be charged for the services. This decline waiver form can be obtained from Goldsmith Health Center (517)-265-5161 ext. 4214