An inherent risk of injury is assumed with the decision
to participate in intercollegiate athletics/cheer unit
(cheerleaders, precision dance, mascots). The University of
Delaware seeks to provide the finest training, physical
rehabilitation and medical care possible for its’ studentathletes and cheer unit. The training complex consists of
the Bob Carpenter Center Training Room and the Delaware
Field House Training Room. These facilities feature
modern equipment and combine to form one of the finest
training centers of its kind. Additionally, the University has
a well-equipped Sports Medicine Clinic located in the Bob
Carpenter Center as part of its’ overall Student Health
Services. These services are guided by thoroughly trained
professionals who are recognized experts in their field.
Insurance Coverage of Student Athletes/
Cheer Unit
The University of Delaware provides a medical and
catastrophic insurance program for its’ intercollegiate
athletes/cheer unit injured in practices or contests. THIS
POLICY, HOWEVER, IS SECONDARY TO, OR IN
EXCESS OF, PERSONAL FAMILY MEDICAL
INSURANCE COVERAGE. The “Parent Information
Form”, which was mailed to each parent with the Director’s
letter, must be fully completed and returned before any
further processing can occur. Bills should not be sent to
Athletics/Recreation Services until family coverage is
applied. Therefore, all medical bills must first go to the
family. Then ALL bills (both paid and unpaid) must be
submitted to Athletics/Recreation Services.
Personal family medical insurance will respond first to
the cost of injuries incurred by the student-athlete/cheer
unit member during participation in our intercollegiate
program. (If personal family medical insurance does not
cover the student-athlete/cheer unit member, the
Explanation of Benefits or Denial from the primary
insurance company MUST be sent to the Athletics
insurance secretary before the University medical
insurance will be applied as primary coverage for
eligible items within the limits of the policy.)
TO BE ELIGIBLE FOR UNIVERSITY MEDICAL
COVERAGE, STUDENT-ATHLETES/CHEER UNIT
MEMBERS MUST ARRANGE ALL SURGERY,
TREATMENT, THERAPY AND CARE IN
ACCORDANCE WITH REQUIREMENTS OF THEIR
PRIMARY INSURANCE COVERAGE.
When family primary coverage is HMO, PPO, or a provider
outside of the United States, all medical care must be arranged
so that full coverage applies. This may include returning to the
home state or country for care.
Any costs not covered by insurance become the
responsibility of the student-athlete/cheer unit member
and/or his/her parent(s)/guardian(s).
Covered vs. NOT Covered
The University’s medical insurance covers only injuries
resulting from participation in the intercollegiate program
during the dates of the primary competitive and designated
off-seasons as approved by the Director of Athletics and
Recreation Services. It does not cover injuries or illness
that are the result of non-intercollegiate-athletic activities
or are recurrences of old injuries which were sustained
before participating in the intercollegiate sports program;
nor does it routinely cover orthotics, allergies, braces or
eyewear.
Intramural, club sports and recreational activities (nonintercollegiate activities), as well as individual
training/conditioning activities that occur outside the
primary competitive and designated off-season periods are
NOT affiliated with Athletics/Recreation Services
insurance coverage. However, to assist in clarification,
please be aware that your family medical insurance is
primary insurance for those activities. If your policy does
not cover your son/daughter, you may wish to consider
optional Student Health and Accident Insurance which is
available at a nominal cost to students at the time of
registration. This optional policy will not cover
intercollegiate athletic injuries.
The importance of having some form of personal
insurance coverage cannot be overemphasized. Expenses
for medical and psychological services beyond those
covered by our insurance and/or provided at the
Student Health Service on campus are the personal
responsibility of the student and his or her family.
To be Eligible
The University of Delaware requires the studentathlete/cheer unit member to complete a physical
examination at the Bob Carpenter Center Sports Medicine
Clinic before that student is permitted to attend practice
sessions or compete in any athletic event at the University.
ANY TESTS OR CONSULTATIONS NEEDED TO
GAIN APPROVAL FOR PARTICIPATION ARE THE
RESPONSIBILITY OF THE
STUDENT/PARENT/GUARDIAN. A “certification of
participation” will be awarded to the student-athlete/cheer
unit member upon successful completion of the exam. The
medical certification must be performed every year. The
University will NOT provide insurance coverage to any
athlete/cheer unit member not following this procedure.
Upon completion of eligibility in their final
sport/season, student-athletes/cheer unit members are
requested to schedule an appointment with the Sports
Medicine Clinic, prior to the conclusion of the academic
term, for the purpose of an exit physical. This will include a
review of the injuries received during participation and
follow-up if needed. IF THE STUDENT ELECTS NOT
TO RECEIVE THE EXIT PHYSICAL, THE
UNIVERSITY WILL BE RELIEVED OF ANY
LIABILITY AND/OR FINANCIAL RESPONSIBILITY
FOR ANY DAMAGES OR INJURIES SUSTAINED AS
A RESULT OF ATHLETIC/CHEER UNIT
PARTICIPATION.
Athletic/Cheer Unit Injury Medical Care
Any certified intercollegiate athletics/cheer unit
participant who receives an injury or becomes ill during
approved participation periods/activities must report the
injury immediately to the Training Room or Sports
Medicine Clinic to activate insurance coverage. Please note
that the injury/illness must have been incurred in a practice
or contest that was supervised by approved University
coaching staff during a practice/contest period/activity that
was approved by the Director of Athletics and Recreation
Services according to NCAA regulations, to be eligible for
insurance coverage. The primary insurance carrier must
be notified within 24 hours of injury by the student or
his/her parent/guardian.
If the student needs to see a physician outside the
University staff, i.e. a specialist, that referral will be made
by the Sports Medicine Physician. When consultation is
requested or recommended, any recommendations for
testing/surgery/repeat visits made by the consultant
must be communicated to the University Sports
Medicine Physician BEFORE any arrangements are
made. If that referral results in a recommendation for
non-emergency surgery, the student MUST inform the
Sports Medicine Clinic PRIOR TO finalization of any
arrangements.
If the student decides to see a physician/specialist
WITHOUT being referred by the Sports Medicine Clinic,
the student will be responsible for all bills incurred. In
addition, if the student elects a surgeon who is not
approved by his/her medical insurance carrier, he/she is
also financially responsible. Any student seen by an outside
(off campus) physician, must return to the Sports Medicine
Clinic for follow-up and final clearance prior to active
participation status.
In emergency situations, transportation is provided by
the University’s Public Safety Department, otherwise it is
the students responsibility to provide his/her own
transportation.
Prescriptions
Prescriptions, for intercollegiate athletically related
injuries only, authorized by the Sports Medicine Clinic
during approved and coach-supervised practices and
competitions for both the championship season and the
non-championship seasons as designated by the Director
of Athletics and Recreation Services are filled at the
Student Health Dispensary. To receive an authorized
prescription, the student will be given a “pink” Sports
Medicine prescription slip which he/she should present to
the Student Health Dispensary for filling.
If the student receives a prescription from a specialist (a
physician other than one associated with the Sports
Medicine Clinic or Student Health Services staff) to whom
they have been referred by the Sports Medicine Clinic, it
will be necessary for the student to bring that prescription
to the Sports Medicine Clinic for it to be recorded on the
“pink” prescription slip for filling. No prescriptions will be
paid for unless this procedure is followed.
If, after a prescription slip has been issued by an outside
physician, the student finds the Sports Medicine Clinic
closed, the student should take the prescription to the nurse
on duty at the Laurel Hall Student Health Service. The
student will receive a temporary supply of medication. The
Division of Athletics and Recreation Services will not
pay for a non-pink prescription filled at any pharmacy.
Parent Information Form
Please note the importance of returning the “Parent
Information Form” to the University. It is mailed to the
parent(s) or guardian(s) each summer with the Director’s
letter, the “Sports Medicine Clinic & Training Room
Procedures for the Student-Athlete & Cheer Unit”
brochure, and the “Medical Insurance Coverage &
Procedures for the Student-Athlete & Cheer Unit”
brochure, which you are now reading. The University needs
your primary insurance information FOR EVERY
STUDENT-ATHLETE OR CHEER UNIT MEMBER.
Without primary insurance information medical bills
cannot be paid. Medical bills left unpaid for this reason will
become the financial liability of the parent(s) or guardian(s)
/ student-athlete or cheer unit member. If left unpaid, it
could result in a negative impact on your family credit
rating. If you have not received a “Parent Information
Form” please contact Linda Kelly at 302-831-2256 to
receive a copy with instructions.
Medical Expenses NOT Covered by UD
Athletics
University of Delaware Athletics/Recreation Services
medical insurance coverage will not apply to the situations
indicated below. Therefore, STUDENT-ATHLETES/
CHEER UNIT MEMBERS AND/OR THEIR PARENTS
OR LEGAL GUARDIANS WILL BE FULLY
RESPONSIBLE FOR ALL MEDICAL EXPENSES
RELATING TO THEM.
1.
Any tests or consultations needed to gain approval for
participation.
2. Any athletic injuries incurred outside the dates of the
primary competitive or designated off-season
periods/activities for the given program, as approved
by the Director of Athletics and Recreation Services.
3. Any prescriptions (a) that are not related to athletic
injuries and/or; (b) for athletically related injuries that
occur outside the scheduled and coach-supervised
practices and competitions as approved by the
Director of Athletics and Recreation Services and/or;
(c) that have been filled at a pharmacy without
following appropriate “pink slip” procedures.
4. All injuries or illnesses that are recurrences of old
injuries which were sustained before participation in
the intercollegiate sports program/cheer unit activities.
5. Costs of orthotics, allergies, braces or eyeware.
6. All non-intercollegiate activities (including, but not
limited to intramural/club sports, recreational activities
and individual training/conditioning activities outside
the approved primary competitive and designated offseason periods.)
7. Expenses incurred after completion of eligibility, for
athletic injuries received during participation, IF the
student-athlete/cheer unit member elects not to
participate in an exit physical.
8. Costs of Sports Medicine Clinic items such as
crutches, etc. that are not returned within a reasonable
time.
9. Medical costs related to seeing a physician
WITHOUT referral by the Sports Medicine Clinic.
10. Medical expenses beyond the limitations of, or not
covered by the Athletics/Recreation Services
insurance policy.
11. Expenses for athletic injuries incurred after
completion of eligibility.
Note: This list is not deemed to be all-inclusive but, rather,
it represents the most common exclusions to University of
Delaware Athletics/Recreation Services Medical Coverage.
“Must Do” Procedures
1.
Notify primary insurance carrier within 24 hours of
injury.
2.
If you wish to see a physician other than the Sports
Medicine Physician.
a. You must have a referral by the Sports
Medicine Clinic prior to appointment.
b. If the referral results in a recommendation
for tests, diagnostic procedures or nonemergency surgery, you must inform the
Sports Medicine Clinic before finalizing any
arrangements.
c. If subsequent appointments are
recommended by the referral physician, you
must receive approval for each visit by the
Sports Medicine Clinic.
d. After referral appointments, return to the
Sports Medicine Clinic for follow-up.
Note: In the unlikely event the Sports Medicine Physician
cannot be reached, contact the Student Health Center.
Do not schedule an appointment with a non-University
physician without contacting the Sports Medicine Clinic, as
the expenses will not be covered by Athletics/Recreation
Services medical insurance.
In a life-threatening situation, seek emergency help
immediately.
3. It is the responsibility of the student-athlete/cheer unit
member to fulfill the requirements of the primary
insurance. This includes, but is not limited to the
requirement for surgery to be performed in the home
state.
Sports Medicine Telephone Directory
Sports Medicine Clinic
2482
Bob Carpenter Center Training Room
2255
Delaware Field House Training Room
8857
Student Health Services
2226
Insurance Information
2256
831-
UNIVERSITY OF DELAWARE
831831831831-
The University of Delaware is committed to assuring equal opportunity to
all persons and does not discriminate on the basis of race, color, gender,
religion, ancestry, national origin, sexual orientation, veteran status, age,
or disability in its educational programs, activities, admissions, or
employment practices as required by Title IX of the Education
Amendments of 1972. Title VI of the Civil Rights Act of 1964, the
Rehabilitation Act of 1973, the Americans with Disabilities Act, and other
appropriate statutes. Inquires concerning these statutes and information
regarding campus accessibility should be referred to the Affirmative Action
Officer, 305 Hullihen Hall, (302) 831-2835 (voice) (302) 831-4552 (TDD).
Medical Insurance
Coverage & Procedures
for the Student-Athlete &
Cheer Unit
2004 - 2005