Bates College requires all students to provide proof of primary insurance. Every insurance policy is different and it is the responsibility of each athlete and/or their guardians to ensure that their insurance policy covers any and all injuries sustained while participating in intercollegiate athletics. It is also the responsibility of each athlete and/or their guardians to ensure that their current insurance policy provides coverage in the region and network at Bates College. Proof of this insurance must be submitted to the Bates College sports medicine staff online using the ATS athlete portal. It is also highly recommended that the student carry a copy of their insurance card with them at Bates College. If an athlete's insurance information changes from what was initially submitted or they have a lapse in coverage, it is the responsibility of the athlete and/or their guardians to notify the sports medicine department immediately and to provide them with their updated information. Any and all medical expenses that should arise due to failure to submit current up-to-date medical insurance information will be the sole responsibility of the athlete and/or their guardians.
If you do not have a primary insurance policy, or your policy does not provide adequate coverage in the region and network of Bates College, the College offers a student health plan for purchase. You can find more information about this policy and how to sign up at this website: https://www.bates.edu/health-services/2020/07/31/enroll-waive-process/
Bates College has also purchased a student accident policy for all students to provide a more comprehensive coverage of all accidental injuries with a benefit from dollar $0-$2,500. This policy works in conjunction with your primary insurance, as well as the Bates excess policy. Student-athletes will be able to access this policy through the sports medicine department.
Furthermore, there is an intercollegiate excess insurance policy that will provide coverage, in addition to your primary insurance policy, associated to any injury incurred during a team sponsored event at which the coach is present and running a practice or competition within their playing season. This excess policy provides coverage from $2,500-$90,000. In the event of a catastrophic injury the NCAA carries insurance coverage for damages totaling above $90,000.
Nick Cooke, MS ATC
Assistant Athletic Director for Athletic Performance
Bates College
