Even some Junior Colleges carry secondary insurance policies that cover their student athletes. That was the case with my son that played JuCo ball in Oklahoma. We filed insurance claims for his medical expenses but the school’s secondary policy covered the out of pocket expenses. That came as a pleasant surprise because in his two years there he had 3 MRIs, 4 injections in his back, a couple x-rays, and a bunch of rehab sessions. The school also had an excellent training staff, and that’s also not necessarily the norm at Junior Colleges.