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Medical Care & Insurance Procedures
Courtesy: Maryland Athletics
Release: 04/09/2013
University of Maryland Student Health Insurance Program:
  • The University of Maryland mandates that all students have primary health insurance. All students entering the University of Maryland after May, 2009 must adhere to the University's health insurance mandate and must complete an online form to indicate whether they have health insurance and wish to waive the requirement or wish to purchase the University of Maryland's student health insurance plan (SHIP).
  • Students should receive an email and/or letter from the University of Maryland University Health Center Insurance Office and must complete an online form by a specified deadline (usually early July) each academic year
    • After the specified deadline has passed, students will be automatically enrolled in the SHIP for the academic year and the total cost (~$1400.00) will be billed to the student's bursar account if he/she has not completed the required waiver process.
  • Student-athletes and/or parents with questions regarding the University of Maryland's mandatory health insurance requirement should consult the University of Maryland University Health Center website (www.health.umd.edu/geninfo/insurance.html), and/or contact the University of Maryland University Health Center Business Office at health@umd.edu and/or (301) 314-8165.
Students who do not complete this waiver by the specified deadline each year will be automatically enrolled in the SHIP for the academic year and the cost of the health insurance plan (~$1400) will be billed to the student's bursar account.

ICA Insurance Coverage of Student-Athletes:
The University of Maryland Department of Intercollegiate Athletics strongly recommends that all student-athletes possess some type of individual health insurance coverage BEFORE participating in any practice, game, and/or competition The student-athlete's insurance should cover athletics related injuries and/or illnesses, and will be considered the PRIMARY insurance coverage for all athletic and non-athletic related injuries.  The student-athlete must complete a Health Insurance Information / Authorization Form; and supply a legible photocopy (front & back) of his/her health insurance card and prescription benefits card (if applicable) on a yearly basis. 

The University of Maryland Department of Intercollegiate Athletics provides a medical insurance program for its student-athletes.   THIS POLICY, HOWEVER, IS SECONDARY TO, OR IN EXCESS OF, PERSONAL FAMILY MEDICAL INSURANCE COVERAGE, and covers only injuries / illnesses / accidents resulting from the direct participation in the intercollegiate athletics program during the dates of the primary competitive season and designated off-seasons as approved by the Director of Athletics according to NCAA regulations. 

104 Week Limitation on Secondary Insurance Coverage:
The University of Maryland's medical (secondary) insurance program will pay for the excess of the "Necessary" medical treatment up to the "Usual" and "Customary" charges for such expense incurred within 104 weeks (2 years) from the initial date of the injury / illness / accident.  The first expense must be incurred within sixty calendar days of the date of the injury / accident.  

Compliance with Insurance Company Requests:
It is the student-athlete's and his/her parent(s) / guardian(s) responsibility to understand the conditions that apply to their personal health insurance policy and comply with any requests for information, etc. from the primary insurance company.  Any delinquent bills resulting in bad credit due to non-compliance with insurance company requests may be the responsibility of the student-athlete and/or his/her parent(s) / guardian(s).

Direct Insurance Payment To A Student-Athlete and/or His/Her Parent(s)/Guardian(s):
In the event that a student-athlete and/or his/her parent(s) / guardian(s) receives payment / reimbursement directly from their insurance company for athletic related injury / illness claims, the full account balance becomes the responsibility of the student-athlete and/or his/her parent(s) / guardian(s), until payment is turned over to the provider, the Athletic Insurance Coordinator, and/or the Assistant Athletics Director- Sports Medicine.

HMOs:
If a student-athlete's primary insurance is an HMO, the University of Maryland Sports Medicine Unit strongly encourages the student-athlete and/or his/her parent(s) / guardian(s) to change the primary care physician (PCP) to a University of Maryland Team Physician or local physician.  This will allow the student-athlete to have a network of physicians in the Washington, DC and Baltimore, MD metropolitan areas, as well as better access to care.  University of Maryland Sports Medicine personnel can assist in this process.

Insurance Policy Changes:
The University of Maryland Sports Medicine Unit must receive any changes to a health insurance policy as soon as they occur.  If proper notification is not received, the University of Maryland Department of Intercollegiate Athletics may not be responsible for any delays in payment, collections notices, credit reports, etc. that occur and/or the full account balance.

Medical Bills / EOBs:
In the event that a student-athlete should receive a bill, statement, EOB, or other information from an insurance company for an injury / illness that occurred as a direct result of participation in intercollegiate athletics at the University of Maryland, the student-athlete must submit all correspondence to a University of Maryland certified athletic trainer in a timely manner.  Bills not received in a timely manner may be the responsibility of the student-athlete and/or the student athlete's parent(s)/ guardian(s).  The University of Maryland Department of Intercollegiate Athletics WILL NOT be responsible for any delays in payment, collections notices, credit reports, etc. that occur due to bills not being submitted in a timely manner.  Submit all correspondence to:

University of Maryland Sports Medicine
ATTN:  ATHLETIC INSURANCE COORDINATOR
Gossett Football Team House
379 Field House Drive
College Park, MD  20742
Fax- (301) 314-6549
Email-  mdsportsmedicine@umd.edu


Exclusions and Limitations:
The University of Maryland Athletics Department's secondary medical insurance policy will not apply to the situations indicated below.  This list is not all-inclusive.

  • Injuries / illnesses that are not the direct result of intercollegiate athletics participation during the dates of the primary competitive season and designated off-seasons as approved by the Director of Athletics according to NCAA regulations. 
  • Experimental procedures.
  • Cosmetic surgery or procedures unless directly related to an athletics related injury.
  • Hospital room and board charges in excess of the semi-private room rate unless hospitalized in an intensive care unit.
  • Injuries / illnesses that are a result of intramural, club sports, and recreational activities (non-intercollegiate activities), as well as training / conditioning activities that occur outside of the primary competitive season and designated off-season periods.
  • Injuries / illnesses that are recurrences of old injuries/ illnesses which were sustained before participation in the intercollegiate sports program.
  • Expenses for athletic injuries incurred after completion of the student-athlete's intercollegiate athletic eligibility.
  • Medical expenses beyond the limitations and exclusions of, or not covered by the University of Maryland Department of Athletics insurance policy.

The importance of having some form of personal health insurance coverage cannot be overemphasized.  Medical bills resulting from the aforementioned activities will be submitted to the student-athlete's primary medical insurance.  Any unpaid balances will be the responsibility of the student-athlete and/or the student-athlete's parent(s)/guardian(s). 

The Master Policy on file at the University contains all of the provisions, limitations, exclusions, and qualifications of the University of Maryland Department of Intercollegiate Athletics' insurance policy, some of which may not be included in this brochure.  If any discrepancy exists between this brochure and the Policy, the Master Policy will govern and control the payment of benefits.


Injury / Illness Reporting Procedures:
Any certified intercollegiate athletics participant who is injured / becomes ill must IMMEDIATELY report the injury / illness to a member of the University of Maryland Sports Medicine Department.  Costs pertaining to an injury and/or illness not reported in a timely manner may be the responsibility of the student-athlete and/or his/her parent(s) / guardian(s).


Non-Sport Related Injury / Illness Procedures:
The University of Maryland Department of Intercollegiate Athletics may assume financial responsibility for injuries and illnesses that are not directly related to participation in the intercollegiate athletics program at the discretion of the Assistant Athletic Director- Sports Medicine and/or the Director of Athletics and/or his/her designee. Such injuries and/or illnesses must take place during the traditional school year from the beginning of fall training camp and/or the first day of classes through the last day of final exams in the spring semester and/or the last day of scheduled competition for athletic teams whose competitive season extends past the last day of final exams for the spring semester. Expenses related to non-sport-related illnesses and minor medical conditions (as per the attached list) will be considered for payment during the summer months only if the student-athlete is on-campus and participating in a University-sanctioned strength and conditioning program under the guidance of a University of Maryland Strength and Conditioning staff member.

Covered Non-Sport Related Illnesses and Minor Medical Conditions (include, but are not limited to)-
· Upper respiratory infections
· Strep throat
· Allergic rhinitis
· Mononucleosis
· Conjunctivitis
· MRSA / staph infections and other dermatological conditions related to athletic participation
· Ruptured ear drum
· Ingrown toenails
· Gastroenteritis
· Asthma
· Initial diagnostic testing to determine diagnosis and safety for training
· Other conditions as approved by the Assistant Athletic Director- Sports Medicine

Non-Covered Non-Sport Related Illnesses and Minor Medical Conditions (include, but are not limited to)-
· Urinary tract infections
· Anemia
· Menstrual irregularities // Pregnancy related expenses
· MRSA / staph infections and other dermatological conditions that ARE NOT related to athletic participation
· Sexually transmitted diseases
· Gynecological issues unless directly related to athletic participation / injury
· Migraine headaches
· Stomach conditions
· Cancer
· Fungal infections // Nail infections
· Diabetes / Kidney / thyroid / liver diseases
· Congenital issues
· Warts (unless related to athletic participation / injury)
· Appendicitis / Ruptured spleen
· Psychological conditions
· Eating disorders
· Drug & Alcohol counseling / treatment
· Internal surgery / conditions
· Ear infections (except for swimming and water polo student-athletes and/or other student-athletes that recently participated in aquatic therapy and/or conditioning)
· Any illnesses and/or medical conditions incurred during a fight or other act of violence or commission of a misdemeanor or felony crime.

Other Issues-

  • Birth Control Pills-
    • ICA will not pay for birth control pills for student-athletes, unless approved by the Assistant Athletic Director- Sports Medicine, in consultation with the Head Team Physician.
  • Asthma-
    • Diagnostic Testing-
      • ICA will continue to pay for diagnostic testing associated with the diagnosis of asthma.
      • Diagnostic testing will be scheduled within the parameters of the student-athlete's primary insurance at all times.
    • Maintenance Medications-
      • ICA will not pay for maintenance medications associated with asthma.
    • Rescue Medications-
      • ICA will pay for one (1) rescue inhaler per year for student-athletes
      • ICA will provide Sports Medicine personnel with a "multi-use" rescue inhaler to be used for emergency situations.
  • Epinephrine Auto-Injectors (EpiPen)-
    • ICA will pay for one (1) auto-injector per year for student-athletes
    • ICA will provide Sports Medicine personnel with auto-injectors to be used in emergency situations.
  • Pre-Existing Medical Conditions (e.g. diabetes, kidney, thyroid, etc.)-
    • ICA will not pay for expenses related to pre-existing, non-sport-related medical conditions
  • ADHD / ADD Medications-
    • ICA will not pay for expenses for ADD, ADHD, etc. related medications.
    • Student-athletes may apply for financial assistance / reimbursement for non-reimbursed expenses through the Student-Athlete Opportunity Fund (SAOF)
  • Psychological Conditions (e.g. Mental Health Counseling, Eating Disorders, etc.)-
    • ICA will pay for expenses related to on-campus counseling, mental health, nutrition, and eating disorders treatment only. ICA will not pay for any expenses for off-campus (in-patient or out-patient) psychological / psychiatric care.
    • ICA will not pay for medications associated with psychological / psychiatric care.
    • Student-athletes may apply for financial assistance / reimbursement for non-reimbursed expenses through the Student-Athlete Opportunity Fund (SAOF)
  • Major Non-Sport-Related Medical Conditions-
    • ICA will not pay for expenses related to major non-sport-related medical conditions (including, but not limited to)-
      • Appendicitis;
      • kidney stones;
      • gall stones;
      • ruptured spleen;
      • tonsillitis/peri-tonsilar abscess;
      • ovarian cysts;
    • Student-athletes may apply for financial assistance / reimbursement for non-reimbursed expenses through the Student-Athlete Opportunity Fund (SAOF)
  • Non-Sport-Related Dental Issues-
    • Student-athletes may apply for financial assistance / reimbursement for non-sport-related dental expenses through the Student-Athlete Opportunity Fund (SAOF)
    • There will be a $3000 cap on reimbursement for non-sport-related dental expenses through the Student-Athlete Opportunity Fund (SAOF) unless approved in advance by the Assistant Athletic Director- Sports Medicine and the Associate Athletic Director- Compliance.
    • SAOF will not reimburse student-athletes for dental expenses incurred during a fight or other act of violence or commission of a misdemeanor or felony crime.

Missed Doctor's Appointment Policy:
Student-athletes who are late and/or fail to show-up for scheduled appointments with the team physician, medical consultants, and/or diagnostic tests / procedures will be financially responsible for any and all charges resulting from the missed appointment.  In addition, the student-athlete may be responsible for rescheduling the appointment and providing his / her own transportation.

Contact Lens Policy:
Student-athletes in need of an eye exam and/or contact lenses will be referred to an optician by University of Maryland Sports Medicine personnel.  If appropriate, student-athletes will receive an applicable supply of contact lenses.  One (1) pair of lenses will be kept by the student-athlete's certified athletic trainer in case of an emergency.  Student-athletes may not:

  • Schedule an appointment without prior authorization and the proper referral from University of Maryland Sports Medicine personnel;
  • Receive colored and/or novelty contact lenses;
  • Receive glasses / sunglasses in lieu of contact lenses;  and/or

"Out-of-town" Physical Therapy /  Rehabilitation Procedures:
At times, it may be necessary for a student-athlete to utilize an "out-of-town" physical therapy facility.  In such situations, permission must be granted from the Assistant Athletic Director- Sports Medicine and/or his designee.  Such referrals must come from University of Maryland Sports Medicine personnel.   If a student-athlete decides to utilize physical therapy / rehabilitation services without authorization from University of Maryland Sports Medicine personnel, the student-athlete and/or the student athlete's parent(s) / guardian(s) will be financially responsible for any and all medical bills incurred.    


Physician Referrals / Consultations:
The University of Maryland Department of Intercollegiate Athletics and Sports Medicine Unit has fostered positive relationships with many medical providers in the Maryland and Washington, DC areas who have consistently provided high quality service to University of Maryland student-athletes.  University of Maryland Sports Medicine personnel will refer student-athletes to these providers, unless extenuating circumstances necessitate a different provider.  Student-athletes with HMO policies are strongly encouraged to have a local primary care physician (PCP), so that timely care can be given.

All student-athletes must be seen and evaluated by a University of Maryland certified athletic trainer before a referral to a physician will be made.  University of Maryland Sports Medicine personnel must authorize and properly refer all student-athletes to see a physician or medical consultant, and/or for diagnostic tests.  If a student-athlete decides to see a physician / medical consultant, and/or undergo a diagnostic test WITHOUT prior authorization / referral from University of Maryland Sports Medicine personnel, the student-athlete and/or the student athlete's parent(s) / guardian(s) will be financially responsible for any and all medical bills incurred.    

Orthopedic and/or Medical Second Opinions:
If a student-athlete and/or his/her parent(s) / guardian(s) desire another physician's opinion on an orthopedic and/or medical injury / illness, a University of Maryland Team Physician and/or certified athletic trainer will make arrangements for the second opinion with a qualified local physician.  If a student-athlete decides to see an orthopedic and/or medical physician without prior authorization from University of Maryland Sports Medicine personnel, the student-athlete and/or the student athlete's parent(s) / guardian(s) will be financially responsible for any and all medical bills incurred.


Return to Play Policy:
A University of Maryland Team Physician or his/her designee, in consultation with a University of Maryland certified athletic trainer, has the final authority in deciding if and when an injured student-athlete may return to practice and/or competition.

Any student-athlete seen by a physician other than the University of Maryland Team Physician, must return to the athletic training room with all medical records, copies of any diagnostic tests, labs, etc., discharge documentation, and/or other pertinent documentation for follow-up and final clearance prior to active participation status. If a student-athlete is under the care of a private physician for an injury or illness and the physician's treatment precludes or alters activity in intercollegiate athletics, the student-athlete must secure, in writing, a release to reinstate the student-athlete to full participation. No student-athlete will be allowed to return to participation until the University of Maryland Sports Medicine Unit has received a release from the private physician and the student-athlete is examined by a University of Maryland Team Physician and cleared for participation.


Dental Care:
Custom molded mouthpieces will be fitted for student-athletes participating in high-risk sports (e.g.  football, basketball, lacrosse, field hockey, etc.) and other student-athletes who express a desire for them.

The University of University of Maryland Department of Intercollegiate Athletics' medical insurance program will assume financial responsibility for dental care resulting from the direct participation in the intercollegiate athletics program as approved by the Director of Athletics according to NCAA regulations.  As with other injuries, this insurance is SECONDARY to, or in excess of, personal family medical insurance coverage.

The University of Maryland Department of Intercollegiate Athletics and its medical insurance program WILL NOT assume financial responsibility for dental injuries, head and facial injuries, and/or mild traumatic brain injuries (concussions) if the student-athlete is not properly wearing his/her required mouthpiece at the time of injury.  Medical bills associated with such injuries will be the sole responsibility of the student-athlete and/or his/her parent(s) / guardian(s).


CVS Pharmacy Procedures:

  • The University of Maryland Sports Medicine Department will utilize CVS- College Park Pharmacy for ALL student-athlete prescriptions not included in the Athletic Training Room Medical Office Formulary (Training Room Stock Pharmacy).

CVS- College Park Pharmacy
7300 Washington-Baltimore Blvd
College Park, MD  20740
(301) 277-6114

Monday - Friday-  8:00am - 10:00pm
Saturday - Sunday-  8:00am - 6:00pm

  • Student-Athlete prescriptions obtained from the University Health Center Pharmacy and/or another pharmacy without prior authorization from the Assistant Athletic Director- Sports Medicine WILL NOT be paid for by the University of Maryland Sports Medicine Department.
  • A CVS Pharmacy Referral Form must be filled out in its entirety and signed by a University of Maryland Certified Athletic Trainer and/or Team Physician in ALL cases (including refills). 
  • The student-athlete must also present their University of Maryland Student ID and/or a Government issued ID when picking up their prescription.
  • Under no circumstances will student-athletes be permitted to obtain prescriptions without a completed CVS Pharmacy Referral Form and their Student ID / Drivers License.


umterps Sports Medicine


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