8MHSAA 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 himself/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: firstname.lastname@example.org.
Michigan High School Athletic Association
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 2018 / 2019
All students wishing to participate in Middle School or High School athletics during the 2018/2019 school must have a physical on file dated on or after April 15, 2018 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 too big of a liability for the medical community to continue this practice in 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 www.all-access-care.com
- Click on the BLUE appointment tab and make an appointment
- When the family arrives for the appointment, simply announce that you are there for an MCC sports physical
- Dr. Kuster will email the completed physical card to MCC.
- All Access Care does NOT accept insurance
- All physicals for the 2018/19 school year must be dated April 15, 2018 or later
Sources: Michigan Department of Community Health. CDC and the National Operating Committee on Standards for Athletic Equipment (NOCSAE)
Some Common Symptoms
- A headache
- Pressure in the Head
- Balance Problems
- Double Vision
- Blurry Vision
- Sensitive to Light
- Sensitive to Noise
- Poor Concentration
- Memory Problems
- “Feeling Down”
- Not “Feeling Right”
- Feeling Irritable
- Slow Reaction Time
- Sleep Problems
WHAT IS A CONCUSSION?
A concussion is a type of traumatic brain injury that changes the way the brain normally works. A concussion is caused by a fall, bump, blow, or jolt to the head or body that causes the head and brain to move quickly back and forth. A concussion can be caused by a shaking, spinning or a sudden stopping and starting of the head. Even a “ding,” “getting your bell rung,” or what seems to be a mild bump or blow to the head can be serious. A concussion can happen even if you haven’t been knocked out.
You can’t see a concussion. Signs and symptoms of concussions can show up right after the injury or may not appear or be noticed until days or weeks after the injury. If the student reports any symptoms of a concussion, or if you notice symptoms yourself, seek medical attention right away. A student who may have had a concussion should not return to play on the day of the injury and until a health care professional says they are okay to return to play.
IF YOU SUSPECT A CONCUSSION:
1. SEEK MEDICAL ATTENTION RIGHT AWAY –
A health care professional will be able to decide how serious the concussion is and when it is safe for the student to return to regular activities, including sports. Don’t hide it, report it. Ignoring symptoms and trying to “tough it out” often makes it worse.
2. KEEP YOUR STUDENT OUT OF PLAY –
Concussions take time to heal. Don’t let the student return to play the day of injury and until a heath care professional says it’s okay. A student who returns to play too soon, while the brain is still healing, risks a greater chance of having a second concussion. Young children and teens are more likely to get a concussion and take longer to recover than adults. Repeat or second concussions increase the time it takes to recover and can be very serious. They can cause permanent brain damage, affecting the student for a lifetime. They can be fatal. It is better to miss one game than the whole season.
3. TELL THE SCHOOL ABOUT ANY PREVIOUS CONCUSSION –
Schools should know if a student had a previous concussion. A student’s school may not know about a concussion received in another sport or activity unless you notify them.
SIGNS OBSERVED BY PARENTS:
- Appears dazed or stunned
- Is confused about assignment or position
- Forgets an instruction
- Can’t recall events prior to or after a hit or fall
- Is unsure of game, score, or opponent
- Moves clumsily
- Answers questions slowly
- Loses consciousness (even briefly)
- Shows mood, behavior, or personality changes
CONCUSSION DANGER SIGNS:
In rare cases, a dangerous blood clot may form on the brain in a person with a concussion and crowd the brain against the skull. A student should receive immediate medical attention if after a bump, blow, or jolt to the head or body s/he exhibits any of the following danger signs:
- One pupil larger than the other
- Is drowsy or cannot be awakened
- A headache that gets worse
- Weakness, numbness, or decreased coordination
- Repeated vomiting or nausea
- Slurred speech
- Convulsions or seizures
- Cannot recognize people/places
- Becomes increasingly confused, restless or agitated
- Has unusual behavior
- Loses consciousness (even a brief loss of consciousness should be taken seriously.)
HOW TO RESPOND TO A REPORT OF A CONCUSSION:
If a student reports one or more symptoms of a concussion after a bump, blow, or jolt to the head or body, s/he should be kept out of athletic play the day of the injury. The student should only return to play with permission from a health care professional experienced in evaluating for concussion. During recovery, rest is key. Exercising or activities that involve a lot of concentration (such as studying, working on the computer, or playing video games) may cause concussion symptoms to reappear or get worse. Students who return to school after a concussion may need to spend fewer hours at school, take rests breaks, be given extra help and time, spend less time reading, writing or on a computer. After a concussion, returning to sports and school is a gradual process that should be monitored by a healthcare professional.
Remember: Concussion affects people differently. While most students with a concussion recover quickly and fully, some will have symptoms that last for days, or even weeks. A more serious concussion can last for months or longer.
To learn more, go to www.cdc.gov/concussion.
Parents and Students Must Sign and Return the Educational Material Acknowledgement Form