Insurance benefits for student-athletes are defined in layers of coverage: Primary, Secondary and Excess. Personal insurance (or insurance coverage of the parents) is considered as primary coverage. Any illness or accident where medical costs exceed the primary (deductible) layer of coverage will require use of the Secondary layer: Parental, Family of Employer Policy Coverage. The last layer is Excess coverage purchased by the Athletic Department. This is to be used only after the Primary and Secondary claims have been exhausted. The Athletic Trainer is the primary contact for all insurance claim procedures involving athletic-related accidents. KSU Student Health Insurance does not cover athletic injuries and will not be considered as a primary insurance. Medicare / Medicaid will also not be accepted as a primary insurance. All medical bills need to be turned into the athletic training staff within twelve months of the date of service or KSU will not be responsible for the claims. If for any reason there is a lapse in insurance coverage all bills / claims will be the responsibility of the student athlete and family.
The Athletic Department is obligated to provide adequate and timely medical personnel coverage for all student-athletes while participating in practices and athletic contests. Sports-related injuries and injuries not athletically-related, occurring to a student-athlete while participating in unofficial activities, (i.e., PE class, open recreation, intramurals, outside teams, etc.) are not