Primary & Secondary Medical Insurance Info for Student-Athletes
Medical Insurance Information
Millersville University Intercollegiate Athletics maintains a secondary insurance policy for coverage of eligible injuries sustained by student-athletes during countable athletic related activities.
There are restrictions and a procedure for activation of the secondary coverage.
As the secondary policy carries a $1,000 deductible per injury before it provides any benefits, all student-athletes are required to carry active primary medical insurance. Student-athlete primary medical insurance coverage is verified in order for the student-athlete to be medically cleared for participation.
Questions related to medical insurance can be addressed to Heather Wolfe (heather.wolfe@millersville.edu)
Secondary Insurance Information
Millersville University Intercollegiate Athletics carries a secondary insurance policy to assist in the medical costs associated with injuries sustained during athletic activities. There is a $1,000 deductible per injury that is the responsibility of the student-athlete and/or their primary insurance that must be met BEFORE the secondary insurance will cover associated medical costs.
Additionally, secondary insurance can only be applied to athletic injuries sustained as a direct result of athletic participation. Injuries sustained outside of Millersville University Intercollegiate Athletic Countable Athletic Related Activities (CARA) are NOT eligible for coverage. Pre-existing conditions are also excluded from coverage. Communicable diseases/infections such as MRSA and COVID-19 are excluded from coverage. Student-athletes must report athletic related injuries to the Millersville University Athletic Training Faculty PRIOR to seeking medical care (with the exception of life or limb threatening injuries) in order for the injury to be eligible for coverage. Any falsification or omission in the annual medical history completed by the student-athlete will void coverage.
Primary Medical Insurance Requirement
In accordance with best practices, NCAA and PSAC guidelines, all Millersville University student-athletes are required to carry primary medical insurance. Millersville University routinely verifies student-athlete insurance coverage; all student-athletes are required to enter their primary insurance information in the AMS/Smartabase system. To avoid delays in medical clearance, Fall Season student-athletes should have their insurance information uploaded no later than July 15, and all other student-athletes should have their primary insurance information entered no later than August 1. Insurance information provided after these dates may result in delays in medical clearance. Student-athletes added after the start of the academic year will have insurance verified on an individual basis.
It is the responsibility of the student-athlete to ensure the primary medical insurance information they provide is accurate and coverage is active. If a student-athlete's insurance information does not pass verification, they will not be permitted to participate in athletic activities until updated insurance information is provided.
Student-athelte's are responsible for maintaining the accuracy of their primary insurance should a change occur. Common reasons for primary insurance changes include job changes/loss, turning 25 years old, and changes in plans during open enrollment periods. Student-athletes should inform Heather Wolfe (heather.wolfe@millersville.edu) if their insurance changes during the academic year.
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Secondary Insurance Eligibility and Exclusions
To be eligible for secondary insurance coverage the injury:
- Must be the direct results of participation in countable related athletic activities. Injuries sustained outside of intercollegiate atheltic participation are not elgible and will not be covered by the secondary insurance.
- Must be reported the the athletic trainers promptly, in non-emergent cases, before seeking treatment.
The following are NOT eligible for secondary insurance coverage:
- Injuries sustained outside of intercollegeiate atheltic participation
- Communicable diseases including but not limited to cold/flu, MRSA, COVID-19
- Pre-exsisting conditions such as sickle cell, asthma, or allergies
- Treatment for injuries that occurred prior to the student-athelte's medical clearance for participation in Millersville University Intercollegiate Athletics
- Testing deemed necessecary for medical clearance based on the student-athletes pre-participation exam. Common referrals include orthopedic and cardiology consults.
- Injuries that were sustained during athletic participation but were not reported to the atheltic trainers.
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Secondary Insurance Claim Process
- The student-athlete reports the injury to the athletic trainers for appropriate evaluation and referral.
- During the documentation of the injury an insurance claim form is generated; the student is provided with their claim number and the secondary insurance card. *Please note this may take up to a business day to obtain from the secondary insurance provider* Once the student-athlete has the insurance card they should provide it at all medical appointments they have related to their injury.
- The student-athlete should provide copies of all bills and recepits of payments made to Head Athletic Trainer Heather Wolfe for submisson to the secondary insurance provider. These may be provided via email or hard copy.
- The secondary insurance provider will monitor the claim; secondary benefits can only begin after the student-athelte and/or their primary insurance has met the $1,000 deductible towards the injury.
- The secondary insurance provider will contact the student-athlete directly regarding any additonal information needed for their injury claim.
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Important Information for International Students
International students should carefully review their policy options when purchasing insurance. Many international plans exclude injuries and illnesses sustained as a result of intercollegiate athletics from coverage. As there is a $1,000 deductible per injury before the Millersville University secondary insurance policy activates student-athletes are advised to review the policy they are purchasing and add a rider that covers athletic injuries for their financial protection.
While Millersville University Intercollegiate Athletics does not endorse any one primary insurance plan for student-athletes the below listed plans have options for coverage of athletic related injuries and illnesses:
- World Trips Secure Student Plan - “Elite” and “Select” plans include a $5,000 sport benefit
- The Diplomat America by Global Underwriters - “Athletic Sports & Hazardous Activity” rider available. Coverage for expenses under these activities is limited to $20,000 maximum. Please ensure the sport you participate in is listed as covered.
Questions regarding international insurance coverage should be addressed to Heather Wolfe (heather.wolfe@millersville.edu)
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Primary Insurance Resources
Millersville University does not endorse any one primary insurance plan. The information below is provided as a resource for student-athletes looking to obtain primary medical insurance coverage. Student-athletes are encouraged to carefully review all options, including those not listed here, and choose the plan the best meets their needs.
Pennsylvania Resident Student-Athletes
Domestic Student-Athletes
International Student-Athletes
- World Trips Secure Student Plan - “Elite” and “Select” plans include a $5,000 sport benefit
- The Diplomat America by Global Underwriters - “Athletic Sports & Hazardous Activity” rider available. Coverage for expenses under these activities is limited to $20,000 maximum. Please ensure the sport you participate in is listed as covered.
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Preferred Providers
Millersville University's supervising team physicians are from Penn State Health. It is encouraged you check with your primary medical insurance to see if Penn State Health services are considered "in-network".
Student-athletes do have the option to see other providers should Penn State Health be out-of-network with their primary medical insurance.