Athletic Insurance Coverage Policy

Primary Insurance

We highly recommend that each student-athlete carry private health insurance. We also recommend that any athlete with amanaged care (HMO/PPO) policy who resides more than 30-45 minutes away from Daytona Beach change his/her primary care physician to a local one, preferably Daytona State College’s primary care physician. This change will decrease the amount of time, money, and energy spent on accessing appropriate health care, and therefore, time away from active sport participation. Our team physician is:

The DSC Sports Medicine Department must receive any changes to a health insurance policy within 30 days of that change. If proper notification is not received, Daytona State College Athletics will not be responsible for any resulting delays in treatment, payment, collection notices, etc.

Sport-Related Injury Insurance Coverage

Athletic Accident Insurance is provided by Daytona State College for the benefit of our student-athletes. This coverage is offered on a “Full Excess” basis only. Under the terms of the policy, the coverage is considered secondary payor to all other valid and collectible medical insurance policies, and covers only injuries/illness/accidents resulting from the direct participation in the intercollegiate athletics program during the dates of the primary competitive season and designated off-season conditioning sessions. Balances remaining after processed by DSC’s secondary insurance policy will be the responsibility of the student-athlete.

The Athletic Accident Insurance underwritten by Relations Insurance Services is comprehensive, but it has standard limitations, some of which are listed below:            

• It does not cover expenses due to illness or non-sport-related injuries.
• It does not cover expenses incurred from “off-Campus Physicians/Medical Specialists” unless there is a written referral, pre-approved by Daytona State College’s Team Physician and the Director of Sports Medicine.
• It does not cover expenses related to pre-existing injury or illness.

All surgical treatments must have prior written authorization.

Only those bills incurred within a period of three years from the date of the injury are covered.

Only dental injuries that are incurred while participating in an official practice or game are covered; no other dental care is provided under this policy.

Claims sent to Mutual of Omaha must be initiated at the time of injury and will not be paid unless and until Summit receives an Explanation of Benefits by the athlete’s primary insurance carrier.

Medical Bills

In the event that a student-athlete/parent/guardian should receive a bill or statement for an injury or illness that occurred as a direct result of participation in intercollegiate athletics at Daytona State College, the student-athlete must submit the bill/statement to a DSC athletic trainer within 30 days of receipt. It is the student-athlete’s responsibility to ensure that the Sports Medicine Department receives all correspondences from medical providers. Bills not received in a timely manner may result in the student-athlete being financially responsible. Bills and statements may be submitted to:

Daytona State College will not be responsible for payment of any medical bills if the above procedures are not followed. This includes the student-athlete’s failure to follow his/her personal primary medical health insurance procedures for filing a claim. Any questions about a claim should be referred to the Office of Sports Medicine without delay.