The College of William and Mary has
specific requirements for all students relative to certification of insurance coverage.
All full-time undergraduate and graduate students will be enrolled in the college-endorsed Student Health Insurance Plan and the cost will be billed to your student account in two installments (fall and spring semester) UNLESS proof of other adequate health insurance coverage is furnished.
Students who already have health insurance for the entire academic year must submit a waiver request by the deadline each academic year, and the waiver request must be approved to avoid being enrolled in the Student Insurance Plan. If you have questions specific to the College policy, contact the Student Insurance Coordinator at student/insurance@wm.edu. To be eligible to compete, all student-athletes, both entering and returning, must complete the Sports Medicine Forms and requirements as noted on the
Sports Medicine website. The contact person for insurance questions in the Sports Medicine Department is Melanie Eley (757) 221-4845, or by email
mneley@wm.edu.
As a service to our student-athletes, the Athletic Department provides a secondary or supplemental athletic accident insurance. The secondary policy is not all-inclusive and benefits will only be applied subject to the terms and limitations of the policy.
The secondary policy will only be applied to medical costs incurred for services rendered by a participant in the William and Mary Sports Medicine Support Network or
with their specific written referral for further care. The patient also must have accurate primary medical insurance on file prior to the occurrence of the injury. Out-of-Network care must be coordinated through the athletic training staff prior to the visit. The secondary policy is applicable only for athletic injuries that are a direct result of intercollegiate activity during a practice or competition supervised by a coach. Illnesses are not covered by this policy.
The Athletic Department’s secondary insurance policy requires that individuals first make a claim under their primary medical or hospitalization insurance. Medical expenses not covered under the primary insurance may be paid under the College’s secondary policy, subject to its limitations and conditions. The Athletic Department does not assume any financial responsibility for medical expenses not covered by the patient’s primary or secondary insurance coverage.
Student-athletes are required to submit insurance information each year. The required insurance information consists of 3 forms: Health Insurance form; Your Health Insurance While Away From Home; and Insurance Card form. These Health Insurance forms may be
downloaded. Prior to participation, the Insurance Questionnaire and a copy of your primary care insurance card must be on file in the athletic training facility.
A student-athlete is not covered under the Athletic Department secondary insurance policy unless this information is on file in the athletic training room prior to an injury. If at any time the student-athlete’s primary insurance changes, a new insurance information form should be completed and returned to Sports Medicine.
A student-athlete belonging to a Health Maintenance Organization (HMO) is limited to the specific HMO physicians and/or facilities. It is the responsibility of the student-athlete and their parents to adhere to and notify the athletic training staff of applicable guidelines, procedures and restrictions. Failure to follow proper HMO procedures will void your eligibility for coverage under the Athletic Department’s secondary insurance.
POLICY ON REFERRAL TO MEDICAL SPECIALISTS
To assure proper supervision of medical care, individuals must adhere to set procedures when there is any request for referral to a physician or medical specialist. Within the Sports Medicine Network, all referrals must be arranged by a member of the athletic training staff. If a student-athlete wishes to seek medical care or a consultation outside the network, prior written authorization must be obtained from Michael Potter, M.D., Team Physician. At no time will a second opinion be covered by the secondary insurance. If the referral policies are not followed, the Athletic Department’s secondary insurance policy may not apply. In
this instance, the student-athlete assumes full financial responsibility for payment of services rendered. For an approved outside consultation, the student-athlete must provide the specialist with primary care information and a copy of the Insurance Instruction Sheet.
Instruction forms are available in the athletic training room. The student-athlete assumes complete financial responsibility for any travel, lodging or meal cost associated with the physician visit.
Again, only if these policies are followed can the athletic training staff assure sound care, monitoring and rehabilitation of an athletic injury.
