Dear Defiance College Athlete and Parents:
My name is Kevin Tong, and I am the Head Athletic Trainer at Defiance College. It is my job, and that of the Sports Medicine Department, to care for and arrange medical treatment for your son/daughter during his/her participation in intercollegiate athletics here at Defiance College.
The purpose of this letter is to explain the health insurance policies that cover your son/daughter during athletic participation. There have been some changes since the last academic year by the National Collegiate Athletic Association, and by Defiance College. Every athlete at Defiance College is covered by several different health insurance plans.
PRIMARY INSURANCE
It is NCAA and Defiance College policy that all athletes provide proof of health insurance coverage. This can be accomplished in several way.
1. Athletes are covered by the health insurance of a parent or guardian, or purchase their
own health insurance through an outside provider.
2. Athletes may purchase the “Student Injury and Sickness Insurance Plan” offered by
Defiance College through the Registration Center.
SECONDARY POLICY (ATHLETIC HEALTH INSURANCE POLICY)
This IS NOT a primary insurance policy and only covers your son/daughter during specified intercollegiate events. The athletic policy is provided at no cost to you, and designed to help offset medical expenses associated with injuries occurring during participation in intercollegiate athletics here at Defiance College. Defiance College is not responsible for remaining balances resulting from athletic injury.
There are some limitations to the coverage of our secondary health insurance policy. Please contact me with specific questions regarding coverage. Most importantly, there is a $500 deductible following payment of the primary health insurance FOR EACH CLAIM. This deductible is the responsibility of the athlete. A portion of this deductible ($100) will be waived if the student has purchased the “Student Injury and Sickness Insurance Plan” offered through the Registration Center.
In order to assure that bills are being paid by the appropriate parties, the athletic training staff needs to be informed of EVERY injury that occurs during athletic participation.
Please do not hesitate to contact me with questions or concerns.
Sincerely,
Kevin M. Tong, MSEd., ATC/L
Head Athletic Trainer
(419) 783-2340 or 800-520-4632, ext 2340
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