Student Athlete Insurance Information

Dear Parent/Student Athlete:

Athletes competing in intercollegiate athletics assume risk of injury. Sport related accident insurance is provided by S&T for the benefit of our student-athletes. This is a secondary insurance for your son/daughter for injuries sustained while participating in an authorized practice or game.  We provide this coverage as a secondary insurance policy. Please note that this is an injury-only policy and will not apply to non-athletic injury or sickness related medical expenses. Only injuries sustained in an approved practice, training, or competition will be considered for secondary insurance coverage.

In the event of a covered injury, claims will be filed first with your insurance company, as it is the primary insurance that provides coverage for the student-athlete.  After the primary insurance has paid all available benefits, the University’s secondary insurance claims adjustor will consider for payment any remaining deductible and copay amounts up to the limitations of the policy. It is important that you forward any billing statements, explanation of benefit letters (EOB) and receipts to the Patient Accounts Representative at Student Health either by mail at 910 W. 10th St, Rolla, MO 65409, by e-mail at or by fax at 573-341-6967 as soon as possible. Secondary insurance must have all of these documents to process a claim. Any delay in sending this information could result in your athlete’s account processing being delayed and possibly being turned over to collections by the provider. If you have any questions or concerns, please feel free to contact Student Health Services at 573-341-4284.

All athletic injuries must be reported to the athlete’s athletic trainer when they occur. Subsequent care will be coordinated by the Missouri S&T Sports Medicine team.  If the athlete seeks medical attention on their own without prior approval by the Sports Medicine team, expenses may not be covered by the secondary insurance.  Similarly, if the athlete chooses a service, procedure or provider that is out of network and/or not covered by their primary insurance, the secondary insurance may not apply.  In this situation medical expenses incurred may be the sole responsibility of the student-athlete.

Please notify your health insurance company that you have a dependent child who is enrolled at Missouri S&T.  Ask if there is anything you need to submit so the dependent is covered outside of your area such as requesting a temporary guest membership for an HMO policy.  If required by the primary insurance, the student-athlete may need to return home for the primary insurance to be in effect. S&T secondary insurance requires the student athlete to utilize their in-network providers before they will consider coverage.

Athletes are responsible for keeping insurance information current and failure to do so may delay care and insurance claim processing. Make sure you uploaded both front and back copies of your insurance card and complete the Athletics Insurance Plan Information form in your Student Health Portal. You will be required to update this information annually in July and as needed if plans change at a different time.

If correspondence is needed, the Patient Account Representative will communicate with the athlete by secure messaging when processing claims.  Be sure to have your athlete watch for an email in their S&T inbox that will direct them to the student health portal.

Any payments received by you for an athlete’s injury must be reported as this may affect NCAA rules and result in ineligibility.