Insurance Procedures and Claims Processing
Insurance Procedures and Claims Processing
All student athletes are required to show proof of health insurance coverage. The process of purchasing the College-sponsored student accident and sickness policy, a discussion of the insurance coverage process, and claim forms can be found here.
It is college policy that all full time students have insurance coverage. Student-athletes are required to provide evidence of his/her own (or parental) health insurance and provide a front & back copy of their insurance card to the athletic training staff. If you don’t have an individual or parental insurance policy you have the option to purchase a Student Accident and Sickness Insurance Plan. You will be able to sign up for coverage on the St. John Fisher College website. Go to http://home.sjfc.edu/WellnessCenter, click Insurance at the top of the page and follow the steps outlined on the website. The plan brochure can be viewed at the above web address as well under the Documents & Forms tab or contact The Allen J. Flood Company at (800) 972-7629 with any questions.
All student-athletes are encouraged to purchase the Student Accident and Sickness Policy even if they are covered under another policy. Please be sure to note if there are any exclusions in your policy regarding athletically-related injuries that may be sustained by your child while participating in intercollegiate athletics at St. John Fisher College and if coverage for x-rays, MRI’s, Dr.’s office visits, ect., are covered in the Rochester network versus your home network. These are medical tests we may need to perform on an injured athlete to determine our plan of care and treatment. If your insurance doesn’t cover them in the Rochester region because it’s out of their network coverage area you may wish to consider purchasing the student insurance policy. This will reduce time lost in getting these tests and travel back to your home area to get an injury addressed. In the event of an intercollegiate athletic related injury there will be a coordination of benefits between the two policies and any costs associated with the injury will be covered per the insurance coverage guidelines. The student policy provides coverage up to a $2,000.00 maximum after which as is discussed below the College’s Sports Injury Policy will kick in.
Student Accident and Sicknes Claim form - 2011-12 (pdf)
Student Accident and Sickness Claim form - 2010-11 (pdf)
St. John Fisher College does provide a Sports Injury Policy for student-athletes that will provide coverage beyond the above limit. The college’s policy has a $2,000.00 deductible and is intended to supplement primary coverage. Its main purpose is to provide for catastrophic sports injuries. If you choose to use your own coverage as the primary insurance, the college’s policy will only provide benefits after you have met the $2,000.00 deductible per injury. Additional costs beyond this limit can then be submitted and possibly reimbursed through the College’s Sports Injury Policy. A claim form and instructions on filing a claim can be obtained from the Athletic Training Department or found on the SJFC Athletics web page under the Athletic Training link located on the left side of the page. In the event of an injury we need to complete and sign a section of that form in order for you to file the claim. Please contact the head athletic trainer if you have any questions regarding the insurance coverage process. If you have any questions regarding the terms of your coverage, you should contact your insurer.
St. John Fisher College will assume no responsibility whatsoever for the payment of, or authorization to pay, medical expenses resulting from injuries that occur while participating in intercollegiate athletics at St. John Fisher College.
Sports Policy Claim form - 2011-12 (pdf)
Sports Policy Claim form - 2010-11 (pdf)
Sports Policy Claim form - 2009-10 (pdf)