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McPherson College athletics is pleased to provide secondary athletic insurance for our student-athletes. The College requires all student-athletes to have personal insurance at all times during their tenure, which must be used in the case that athletic-related medical services are provided, thus our policy is in place to provide assistance for any remaining balance after the student-athletes' primary insurance has provided benefits. Our secondary athletic insurance policy provides financial assistance for approved intercollegiate athletic injuries only.
Below, you will find a summary and guidelines of our secondary athletic policy. If you have further questions, please feel free to contact us in the athletic training room. We would be glad to assist you.
SUMMARY OF MCPHERSON COLLEGE SECONDARY ATHLETIC INSURANCE COVERAGE FOR STUDENT- ATHLETES
- Injuries sustained by a McPherson College student-athlete during an official intercollegiate practice or competition will be assessed and evaluated by the athletic training staff of McPherson College. If deemed necessary, the student-athlete may then be referred to the appropriate McPherson College Athletics medical network provider.
- McPherson College student-athletes who are injured during any properly supervised official practice, competition, or conditioning session AND APPROVED BY THE HEAD ATHLETIC TRAINER will be eligible for supplemental insurance coverage through the McPherson College Secondary Athletic Insurance Policy. The Secondary Athletic Insurance Policy is setup to provide financial assistance for athletic-related injuries ONLY. It will provide benefits for eligible amounts not covered by the primary insurance of the parent. The policy will only cover athletic injuries occurring as a result of an injury sustained during the abovementioned situations.
- If the student-athlete prefers to see his or her own choice of physician (not an official McPherson College team physician), the entire cost of the evaluation and subsequent treatments will become the sole financial responsibility of the student-athlete or the student-athlete’s parents, UNLESS PRIOR APPROVAL IS GIVEN BY THE HEAD ATHLETIC TRAINER. No McPherson College Secondary Athletic Insurance will be filed to assist in covering the costs unless prior approval is given.
- McPherson College student-athletes MUST disclose to the McPherson College team physicians and athletic trainers any previous or “nagging” injuries that they arrive with at McPherson College. No secondary insurance coverage will be provided for athletes who fail to disclose to a pre-McPherson injury at the time of his or her pre-participation physical examination.
- In such cases that an injury occurs while participating on an official athletic road trip, the local emergency medical facilities or hosting team physician will be considered as part of the McPherson College approved sports medical network.
- Second opinions and any opinion thereafter, will be eligible for payment through the secondary athletic coverage only with the prior approval of the head athletic trainer. Second opinion charges without prior approval may be the financial responsibility of the student-athlete or the student-athlete’s parents.
- The Secondary Athletic Insurance Policy DOES NOT cover the following:
- Injuries sustained during an academic vacation period (i.e. summer, Christmas, Spring Break) in which no approved athletic supervision is provided, or in any activity that is not associated with a supervised intercollegiate practice, competition, or conditioning session, including those occurring during the academic calendar year.
- A chronic (on going) or recurring injury sustained PRIOR to or OUTSIDE of participation in athletics at McPherson College.
- A pre-existing athletic injury not receiving any treatment within 180 days prior to first time enrollment at McPherson College.
- Prescription medication unless prescribed and served during an in-house hospitalization.
- Illnesses
- THE MCPHERSON COLLEGE STUDENT INSURANCE POLICY (NOT THE SECONDARY ATHLETIC INSURANCE ABOVE MENTIONED) DOES NOT COVER ANY INTERCOLLEGIATE ATHLETIC INJURIES. THIS IS A SEPARATE POLICY. THIS POLICY WILL ONLY COVER NON-ATHLETIC INJURIES/ILLNESSES.
- All subsequent changes in your coverage must be reported immediately. If you belong to a Health Maintenance Organization (HMO) or a Preferred Provider Organization (PPO), your student has restrictions to particular conditions of the plan. Please send us specific instructions, requirements, and/or limitations that may be included in your policy. This information will provide us with guidelines to follow in the event of injury requiring medical attention. This information will also help us in the claims process. Most HMO plans will severely restrict the medical care the athletic department can provide due to location of services. We will make every effort to provide the proper care, while keeping in consideration the policies of the HMO.
- Should your student be injured during the approved situations, the athletic training staff or athletic insurance office will send the physicians, hospital, etc the information you provide for your primary insurance coverage. Many of the medical providers will bill your insurance company directly. Upon receipt of the EXPLANATION OF BENEFITS (EOB) from your insurance company, please send those along with the itemized bills to the athletic training staff at the address below. Lengthy delays in submitting bills may jeopardize subsequent payment by the Secondary Athletic Insurance Policy.
- If in the case that you OR your student receive bills due to approved athletic related injuries, please send those bills to the Athletic Trainers’ office IMMEDIATELY. At this time, it will be determined whether the bill is to be sent to the secondary insurance company or sent/re-sent to the parent’s primary insurance provider. Bills not submitted to the athletic insurance office or through the parent’s primary insurance may be sent to collections, which ultimately could affect your credit rating.
PLEASE NOTIFY IN WRITING BY MAIL OR FAX ANY CHANGES IN THE INFORMATION YOU HAVE PROVIDED REGARDING YOUR PRIMARY INSURANCE AS SOON AS THESE CHANGES OCCUR. WRONG INFORMATION IN THE ATHLETIC DEPARTMENT CAN CAUSE A DELAY IN PAYMENT OF BILLS.
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