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Physical Examination and Insurance
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Physical Examination

Each fall, JCCC arranges for a licensed physician to give student-athletes a low-cost physical examination. An athlete must have on file an exam performed by a licensed physician before beginning practice with the team. In addition, a questionnaire must be completed regarding personal medical history. This should include the name(s) of the student’s family doctor, any previous medical problems, medication the student may be taking and family insurance coverage. All forms must be completed.

Insurance Coverage

JCCC provides secondary injury insurance to cover injuries to JCCC student-athletes. The athlete’s (or their parent’s) personal health insurance is intended to cover the initial portion of any medical bills that occur as a result of an injury to an athlete who is practicing or competing for JCCC during the school year. JCCC’s secondary athletic injury insurance then covers any remaining bills, once the athlete’s own insurance has paid its portion.

In such case as the athlete is uninsured by personal insurance, then the JCCC policy becomes the primary insurance provider for the injury incurred by the athlete, while practicing or playing for JCCC.

In an attempt to control medical expenses and insurance premiums, both of which have increased steeply over the past two years, JCCC has established the following policy, similar to those in force at many college athletics departments:

JCCC Injury Care Policy: Team Physicians and Non-Disclosure of Pre-existing Injuries

1. 1. JCCC Student Athletes who are injured while practicing, conditioning or playing for JCCC, will be required to see JCCC Team Physicians and athletic trainers for their injury evaluation, treatment and (possible) surgeries.

  • If the athlete prefers to see his or her own choice of physician, (not one of the designated JCCC Team Physicians), the entire cost of the evaluation and subsequent treatments will become the sole responsibility of the athlete and/or his or her parents. NO JCCC ATHLETIC INJURY INSURANCE WILL BE FILED to assist in covering the costs.

2. 2. JCCC student athletes will be required to gain clearance to practice, condition or play following an injury, ONLY via JCCC Team Physicians, and not through their own physicians, regardless of any release from the latter.

3. , and coaches, about any previous injuries or “nagging” problems that they arrive with at JCCC. It will be the athlete’s responsibility to accomplish all remedial or preventive treatments or exercise prescribed by JCCC Team Physicians, or Athletic Trainers. NO insurance coverage will be provided for athletes who fail to disclose a pre-JCCC injury, at the time of his/her preparticipation physical exam.

The team physicians utilized by JCCC athletics have been selected because of their unique expertise in sports medicine, and for their commitment to work closely with the JCCC Athletic Training staff to provide prompt, high level, and consistent, athletic injury care at a reasonable cost.

Note: In such case as an injury occurs while on the road, the local emergency medical facilities will be considered as part of the JCCC approved sports-medical network.