College Ball & Medical Needs

Be sure to validate what is covered at your own son's school.  It may vary.

Son had cortisone shots, CT scans, and two hip surgeries, plus the PT afterwards, paid for by his school.  "Incident" happened during the season, but surgeries were in the summer. The school fills out a sheet about "the incident", not unlike workers comp, with the insurance information included.

When he checked in to all medical offices, he presented that information, as well as our own family insurance information as secondary insurance  (but it was never used). 

Don’t assume anything. How it works for a poster may be different at your son’s school. Ask the school. Make sure you understand how their insurance works for your son’s injuries.

For us, our insurance is primary and the school's is secondary. However, there are certain exclusions and various things, plus you have to consider meeting deductibles on your own insurance. I don't have an exact figure (estimate 1-2k), but I did come out of pocket for some of my son's Internal Brace surgery. FWIW, since it was partially torn, and progressively got worse, there's no definite time when it actually happened, but he was in the middle of regular season when it was too painful to continue.

When I was in college and dislocated and tore my rotator cuff playing in a volleyball game, my college paid for my surgery, all my PT and all my related medical expenses.  That was a long time ago and I went to a private D2 school.

When son broke ankle in freshman year, school paid for everything including ambulance ride.  We nor our insurance paid a dime.  Middle son's school filed our insurance and then picked up the difference and any out of pocket.  You want to know for sure.  Youngest son's school pays even out of season if you are coming back for sure because they want it done right but you have to use their doctors.

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.

The school that my son went to would only pay after you cover the first 25k. So no, they didn't pay for the SLAP tear injury that they caused due to how they worked out in his first year.