In the event of injury or illness while competing or practicing in athletics at DWU, the student-athlete must complete the following procedure:

1. Report the injury to the athletic training department staff at DWU. Non-referred treatment is NOT covered under DWU’s athletic insurance policy. Failing to report an incident to the DWU Athletic Training staff will result in the denial of all claims by the university’s insurance carrier.
    
2. Dakota Wesleyan Athletic Training staff, or the head coach of the sport in the event of an emergency and absence of an athletic trainer, will refer the athlete to the appropriate medical provider. Athletes wishing to seek treatment by medical providers must communicate this desire to the athletic training staff BEFORE such action is taken to ensure insurance coverage is maintained. Those seeking second opinions must be prepared to absorb all costs associated with the new medical provider and can not assume Dakota Wesleyan’s insurance carrier will help in payment of these bills.
   
   Once the athlete has been cleared for competition by the attending physician, all medical procedures related to the same injury will be the responsibility of the athlete unless written approval is given by DWU’s sports medicine personnel.
    
3. All medical bills incurred by athletes from injuries sustained while participating in intercollegiate sports at DWU must FIRST be filed with the athlete’s primary insurance carrier. DWU’s policy acts only as a secondary or excessive coverage policy.
    
4. After the primary insurance carrier has made a determination of payment, the athlete (or his/her parents/guardians) must submit a copy of the primary insurance company’s Explanation of Benefits to the head athletic trainer at DWU. This EOB will explain the amount that the primary insurer has paid on the claim, applied to a deductible, etc. Please forward all EOBs with copies of unpaid medical bills to:
   
   Garry Grant, Head Athletic Trainer
   Dakota Wesleyan University
   1200 W. University Ave
   Mitchell, SD 57301
    
5. The head athletic trainer, and/or medical provider will then file this claim with DWU’s insurance carrier, Student Assurance Services, for consideration of payment on any unpaid balances.
    
6. Currently, DWU’s policy carries a $1000 deductible that applies to all injuries. This deductible must be met before payments from the university’s carrier will begin. EOBs from all claims filled with the university’s policy should be returned to the primary policy holder showing the payment applications.
    
7. Injuries that are sustained while not involved in intercollegiate athletic practice or competition will NOT be covered under the university’s athletic policy.
    
8. All claims on athletic injuries must be filed within one (1) year of injury in order to be covered by DWU’s athletic insurance carrier.
    
9. Any questions or concerns regarding athletic insurance coverage or policies at DWU should be directed to:
   
   Garry Grant, Head Athletic Trainer
   Dakota Wesleyan University
   1200 West University Ave
   Mitchell, SD 57301
   (605) 995-2144
   gagrant@dwu.edu