@adbono posted:Most D3 schools will not cover the cost of the surgery in the conventional way. Most likely they will ask you to file a claim with your own insurer. However, if the school carries secondary insurance (and I can’t imagine that they don’t) they should be able to cover your out if pocket costs with that. If that’s the case, ask them to pay those costs directly to the providers - as opposed to you doing it and looking for reimbursement from the school. Hope it works out fir your son.
Lots of moving parts the past few days, so I want to clarify my comment that the school doesn't pick up anything. As usual, adbono is correct. His school carries secondary insurance. This covers any out of pocket co-pays, deductibles or out of pocket expenses that are not covered by our primary insurance. It has a $1,500 deductible per injury with a coverage maximum of $90,000. This is pretty reasonable.