APPENDIX K
Medical Information – Injuries and Insurance
Report All Injuries:
The athletic trainers are available to provide care for your injuries. The athletic training room is located in the basement of Scott Gym. The hours are 10 am – 1 pm and 2 – 7 pm. If you need something taken care of before practice, the trainers will be in the training room. If you need something during practice, the athletic trainer will be at the golf cart on the athletic fields. Please note that the athletic training room in the field house will open at the start of practices. Whenever possible, you should use the Scott AT room before heading down to the fields. It is important that you report all injuries to the athletic trainers as soon as possible so that they can provide the appropriate care and keep records of the injury for insurance purposes.
Supplemental Athletic Insurance Policy:
Smith College provides accident medical coverage for student-athletes for athletically-related injuries through Koster Insurance. However, coverage is subject to specific policy terms and conditions and includes certain restrictions and exclusions.
If a student-athlete is injured during a regularly scheduled, supervised contest, practice or training session, an insurance claim form must be filed within 90 days. Completing and submitting this form is the sole responsibility of the student-athlete. Claim forms are available in the athletic training room. Please note that Smith College assumes no responsibility whatsoever for any uninsured expenses.
All medical bills must first be submitted to the athlete’s primary insurance for payment. Once all forms of insurance have been exhausted, remaining itemized bills may be submitted to Koster Insurance for payment. After a $500 deductible has been met by out-of-pocket payment and/or by the athletes’s other insurances, Koster will pay all customary and reasonable expenses up to $75,000. For more information on the Koster Insurance Plan, please email Studentcare@kosterins.com or call 800-457-5599.
Doctor’s Notes:
If you are ill or injured and require medical care (health services, emergency room, orthopedic surgeon, etc.) your initial clearance to play sports is considered null and void until that medical provider sends documentation to our athletic trainers clearing you to return for participation.
