MHSAA Catastrophic Accident Insurance

The administrator of the MHSAA-purchased catastrophic accident medical insurance plan for 2016-17 has clarified some insurance issues relative to transportation.

Under the MHSAA-purchased plan . . .

“Eligible student-athletes are covered while traveling directly to and from a scheduled event as a representative of the school while traveling in transportation sponsored by the school, and while participating in-season in an allowed activity under the direct supervision of a full-time school employee or coach designated by the school acting within the scope of his/her coaching duties in those sports for which the MHSAA provides a tournament series.”

The administrator has confirmed in writing that the meaning is to include school-provided transportation (school bus, school van, school vehicle) as well as a coach who is authorized by the school to drive student-athletes, and it includes transportation to a practice, scrimmage or contest.

The coverage does not cover or include a parent who is driving only his/her own son or daughter in a personal vehicle, nor does it cover a student who is authorized by the school to drive him-self/herself.

No advance authorization form is required. The accident claim form will determine if it was school-authorized transportation. It is prudent for schools’ written policies to authorize specifically if students and/or parents and/or coaches may provide transportation, and the conditions under which they may do so.

Please refer to 2016-17 MHSAA Handbook page 104 for an overview of the Catastrophic Accident Medical Insurance plan. If you have questions regarding the MHSAA-purchased plan, please contact Mark Uyl in the MHSAA office. The administrator of this plan is Bryan Cronen, First Agency, Inc., 5071 West H Avenue, Kalamazoo, MI 49009-8501. Phone: 269-381-6630. Fax: 269-381-3055. Email: This email address is being protected from spambots. You need JavaScript enabled to view it..

Michigan High School Athletic Association
Phone: 517-332-5046
Fax: 517-332-4071

 Supplemental Insurance Info:
Mason County Central families wishing to purchase supplemental insurance should contact Kris Willick at the Central Business Office.  MASON COUNTY CENTRAL SCHOOLS INSURANCE POLICY SPECIFICALLY EXCLUDES COVERAGE FOR ATHLETICS.
Sports Physicals for 2016 / 2017
All students wishing to participate in Middle School or High School athletics during the 2016/2017 school must have a physical on file dated on or after April 15, 2016 per Michigan High School Athletic Association.  Any questions you can contact the Athletic Department @ 231.757.4748.
We will NOT have the traditional $10 physical offered to student athletes this spring for the 2016/17 school year.  Unfortunately it has become to big of a liability for the medical community to continue this practice in the the school.
We do have an agreement with Dr. Michelle Kuster of All Access Care in Ludington to offer a $30 physical for MCC student athletes.  Families simply have to do the following:
  • Go to
  • Click on the BLUE appointment tab and make an appointment
  • When the family arrives for the appointment, simply announce that you are there for a MCC sports physical
Dr. Kuster will email the completed physical card to MCC.
  • All Access Care does NOT accept insurance
  • All physicals for the 2016/17 school year must be dated April 15, 2016 or later