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Staff
Facilities
Visiting Team Guide
Exam and Insurance Forms
Insurance Policies &
Claim Information
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Dear Parents:
We are pleased to have your son/daughter participating
in athletics at Kalamazoo College. We hope that he/she
will find both success and enjoyment in his/her academic,
social and athletic pursuits.
As a condition of the athletic insurance policy that
Kalamazoo College has acquired all athletes must be
covered. Therefore, a charge of $30.00 will be assessed
to the student-athletes account after your son/daughter
undergoes a pre-participation physical exam. The athletic
insurance policy is a SECONDARY COVERAGE and is subject,
but not limited, to the following limitations.
1. Only injuries sustained during a game or supervised
practice will be covered.
2. Medical expenses will only be covered if the athletic
trainer and/or team physician refers the athlete. Non-referred
visits or expenses will not be covered by this policy
and as such will be your responsibility.
3. In regards to HMO (Health Maintenance Organization)
or PPO (Preferred Provider Organization), the student-athlete
must see an authorized medical vendor from the list
provided to them. Or, the student-athlete must obtain
pre-authorization from their primary care physician
prior to being referred to another physician. In the
event that the student-athlete sees an unauthorized
physician, Kalamazoo College’s athletic insurance
will not cover the incurred expenses and the medical
bills will be the responsibility of the student-athletes
parents.
4. During the course of the school year, should an
athlete’s insurance coverage change, the athletic
training department must be notified immediately.
5. This Secondary Policy, or supplemental coverage,
is provided for expenses incurred in excess of your
primary insurance coverage. Supplemental coverage means
that any FAMILY OR EMPLOYER GROUP INSURANCE MUST FIRST
CONTRIBUTE IT’S MAXIMUM before this coverage comes
into effect. The bills incurred will be in the student’s
name and must be submitted to the family or employer
group insurance first. This coverage is limited to medical
bills incurred within 52 weeks following the date of
injury.
**PLEASE DO NOT PAY INSURANCE FEE UNTIL YOU ARE BILLED
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Insurance Claim
Procedure
All medical bills for your son/daughter incurred as the result of an injury
in intercollegiate athletics at Kalamazoo College
will be sent directly to your son/daughter or to your
home address. In some cases, the athletic trainer
may get a copy of the bill, but in no case will the
athletic department be the primary place the bill
incurred to be sent.
A. FIRST, submit the bills incurred to your primary
insurance coverage. They will do one of two things:
1. Honor the claim and pay all or a portion of the
bills incurred.
2. Not honor the claim and send you a letter of denial.
B. SECOND, if there remains a balance after your
primary insurance has contributed its maximum toward
the claim, send the EXPLANATION OF BENEFITS and a
copy of the bills incurred to:
Scott Michel, M.A., ATC
Anderson Athletic Center
Kalamazoo College
1200 Academy St.
Kalamazoo, MI 49006
C. Once the athletic trainer receives the bills,
they will be sent along with athletic department forms
to the insurance carrier office for processing.
D. It must be stressed that the families primary
insurance must either pay or decline to pay before
Kalamazoo Colleges athletic insurance will act on
any bills. The athletic training department must receive
an EXPLANATION OF BENEFITS form from the primary insurance
prior to submitting any bills.
We have tried to summarize the Kalamazoo College
athletic insurance policy. Should you have any questions
concerning this coverage, please feel free to write
or call. In order for claims to be billed and processed
in a timely manner, please follow the above procedures.
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