Insurance Information

This information is intended to provide the responsibility for medical expenses in the event that a student-athlete sustains an injury while participating in intercollegiate athletics at Mary Baldwin University. The voluntary nature of NCAA Division III athletics provides that the student-athlete and/or family must provide a primary insurance policy, and are the primary source for the payment of costs associated with the treatment of the injuries sustained while a participant of MBU Athletics. Nonetheless, the NCAA does require that all institutions certify the existence of insurance coverage for medical expenses resulting from athletic related injuries sustained by student-athletes during NCAA sanctioned competition or supervised practice. For that reason, Mary Baldwin University has an excess insurance plan in place through RCM&D and administered by BMI Benefits, LLC.

The excess insurance plan carried by the University is designed to cover only those eligible expenses remaining that have not been reimbursed after a student-athlete’s other insurer(s) have made payment. Coverage under the excess plan is subject to specific policy terms and conditions and includes certain restrictions and exclusions of which you should be aware. The policy covers only new injuries that are sustained during NCAA-sanctioned competition or supervised practice. Pre-existing injuries, off-season (any period not specified by the NCAA as sanctioned practice or weight lifting in the off-season) injuries, and injuries incurred during the season that are not directly related to in-season competition or a supervised practice are not covered. The policy will pay covered, unreimbursed expenses up to $90,000. After total costs reach $90,000, whether paid by the insurance of the student-athlete or his or her family or by the excess plan, the NCAA provides a catastrophic health insurance plan for injuries incurring costs greater than $90,000.

Should a student-athlete become injured and generate medical expenses, their primary insurance will be billed first, and then our excess policy comes into effect. It is not guaranteed that BMI Benefits will pay the entirety of what remains on your bill. They pay what they deem customary and reasonable following the submission to your primary insurance provided, and the Mary Baldwin University Athletic Training staff has no control over what they decide to cover. If a student-athlete or their family receives a bill, they should retain copies of the bill and they should be sent to BMI Benefits:

BMI Benefits, LLC
P.O. Box 511
Matawan, NJ 07747 

To check the status of a claim, please call Bob McCloskey Insurance (BMI Benefits) at: 1-800-445-3126. Additional questions or concerns can be brought to the attention of the athletic training staff.

Marah Jones, MS, ATC, LAT

Head Athletic Trainer

Mary Baldwin University

O: 540-887-7307

F: 540-887-7331

majones@marybaldwin.edu