School sports participation, like much of what our children enjoy, has some inherent risk of injury. However, the leadership of interscholastic athletics in this school district and across the state of Michigan is attempting both to provide as safe an experience as possible and enhance the health of our students.
As a part of these efforts, the Michigan High School Athletic Association provides all of its member schools with a Catastrophic Accident Medical Insurance Policy which pays up to $500,000 for medical expenses left unpaid by other insurance after a deductible of $25,000 per claim in paid medical expenses has been met. All students enrolled in grades 7 through 12 at MHSAA members schools are eligible under MHSAA rules and participating in practices or competition in sports under the MHSAA jurisdiction are covered by this policy for injuries related to their athletic participation.
Beginning with the 2015-16 school year, the Michigan High School Athletic Association is also providing eligible athletic participants at each MHSAA member junior high/middle school and high school with additional insurance that is intended to pay accident medical expense benefits resulting from a suspected concussion. The injury must be sustained while the athlete is participating in an MHSAA covered activity. Policy limit is $25,000 for each accident, Covered students, sports and situations are identical to the catastrophic accident medical insurance which, if the $25,000 threshold is reach would require a seperate claim to be made.
This new program intended to assure that all eligbilbe students in the MHSAA member schools grades 7-12 receive prompt and professional attention for head related injuries even if the child is uninsured.
Should you have the need to make a claim under the new program contact firstname.lastname@example.org or phone 800-237-2917
Attached below are helpful links containing information regarding concussion safety and the steps needed to both prevent and recover from them: