The Truman State University athletic department carries a secondary athletic insurance policy on all Truman athletes. This policy covers injuries that occur while participating in official practice activities.

Complete an insurance form now. 

All athletes must complete an insurance form in order to participate in Truman athletics.  A new form must be completed every year.

• You will need a digital picture or scan (gif, jpg, or png format) of your insurance card to submit with this form.
• Please also be aware that many insurers drop primary coverage of dependents once they reach the age of 21.  This can often be avoided simply informing the insurer that the dependent is a full-time student.
• If you have a PPO or HMO, the athletic department suggests you switch your primary care provider (PCP) to a physician in the Kirksville area to make injury care faster and easier.  Most insurance companies allow you to switch the PCP back to your hometown for summer and upon graduation.  If you need suggestions for a physician, contact Head Athletic Trainer Michelle Boyd (660-785-7364).
• Click here to fill out an insurance information form.  - have a digital copy of your insurance card ready

Learn more about Truman Athletics' secondary insurance policy. 

• Injuries that occur as a result of athletic participation
• Covers medical charges for one year after the injury
• Physician visits, diagnostic tests, surgery, and rehabilitation

What is not covered by Truman's secondary policy?

Truman's policy does not cover injuries that occur outside of official practices or competitions.  Injuries that occur during pick-up games, on-your-own conditioning, or during summer training are not covered by Truman's policy.  Some of the non-covered expenses are listed below.

• Illnesses
• Injuries that occur during the summer
• Pre-existing conditions
• Medications
• Injuries that are caused by personal accidents

What if I don't have primary insurance?

In cases where the student-athlete is not covered by primary insurance, Truman's athletic insurance will act as the primary insurance.  Truman strongly recommends that students have coverage through a primary health insurer.  College students can incur significant out-of-pocket expenses for non-athletic related illnesses or accidents.  If you would like to purchase student health insurance, check out Student Assurance Services (Find Truman State University in the College Look-up link)  and Bob McCloskey Insurance. 

If I have bills from my injury, how do I get them paid?

1. Truman State University does not directly pay medical bills, expenses, or damages from athletic injuries. Bills that are not paid by the athlete's primary insurance company are submitted to the Athletic Department's secondary insurance company.
2. All bills must be filed to your insurance FIRST. This is your responsibility. The University will not file any bills with your insurance company.
3. Make sure that the guidelines set by your personal insurance are followed. If you have HMO or PPO, it is your responsibility to obtain pre-approval, referrals from network physicians, and notify of services.
4. Inform the provider that Truman provides secondary insurance and ask them to contact Doug Cooper (his contact information is listed below)
5. Providers rarely send bills and insurance information to the athletic department.  This is your responsibility (the department cannot process bills it doesn't have). Following payment by your primary insurance company, send the following to the address listed below.
   1. the ORIGINAL MEDICAL BILLS and
   2. the EXPLANATION OF BENEFIT (EOB) from your insurance

Truman State University

1214 Health Sciences Building

Kirksville, MO 63501

Attn: Doug Cooper, ATC

(660) 785-7364 phone

(660)785-4166 fax

dcooper@truman.edu