Marion County Public high school and middle school students that are members of school sponsored interscholastic sports teams and Marion County School Board approved special activities. Covered group activities must be scheduled, sponsored, funded and directly supervised by a Marion County School Official. The cost of the athletic and special activity protection plan is paid for by the Marion County School Board.

Regular school classes and classroom activities are not covered under this policy. However, additional insurance can be purchased by parents to cover other school activities.

Click on the "Additional Insurance Options" link to view these optional insurance plans.

NO!  The insurance policy was purchased by the school as a public service to help families of injured students pay for some of the medical bills related to school injuries resulting from an approved interscholastic sport or special extra- curricular activity. Florida schools are not required by law to purchase medical insurance for students. Accidents that happen at school are generally not the fault of the school. The insurance plan purchased by the school pays limited benefits based on the policy schedule. Doctors and hospitals are free to set and charge their own fees. Medical service charges may be more than the insurance benefits available from the school policy. The school cannot accept responsibility for paying medical bills for students.

A summary of insurance is available on this website under the"Athletic Insurance Summary" link. Please retain this policy summary for your records. Individual Insurance Identification Cards are not available.  
                      

Football injuries that occur while a student is practicing for or competing in Marion County Public School sports that are scheduled, fully funded, sponsored and supervised by the Marion County School Board are eligible for policy benefits. Injuries while participating in Club sports, summer camp sports, sports leagues and sports that are not exclusively sponsored and funded by the Marion County School District are not covered.

The school insurance policy will not pay for 100% of all medical expenses due to the limits of the policy as described in the benefit insurance summary.  The insurance company does not have control over the amounts charged by doctors, hospitals and other medical service providers.  The payment of benefits that you will receive from the school insurance policy will be based on the policy limits that are stated in the school insurance policy.  Specific benefits, policy limits, terms and provisions are explained in the school insurance brochure.  For a more complete description of coverage, please click on “Athletics Insurance Summary”.

Marion County Schools has developed a “Participating Provider Network”. Participating doctors, clinics and other medical providers have agreed to accept the school insurance policy benefits as full settlement for their fees for some services, not all, services. However, if you choose to use a doctor, clinic or hospital outside the “Participating Provider Network” of area hospitals and doctors, you could be billed for expenses not covered by the Marion School’s insurance policy.  Please be sure to ask your doctor, clinic or hospital if they are Marion County School District Participating Providers and what, if any, charges you will be responsible for paying. Please click here for a list of” Marion County School District Preferred Providers”.

Please click on “How to file a Claim” link above for complete claim filing instructions.

DO NOT CALL THE SCHOOL OFFICE ABOUT THE STATUS OF A CLAIM PAYMENT OR TO ASK QUESTIONS ABOUT COVERAGE!  The school does not process claims or keep records regarding claims. All claims are processed by School Insurance of Florida's claim office.
Therefore, contact SCHOOL INSURANCE OF FLORIDA to obtain prompt answers to claim or coverage questions.

The questions and answers stated above are intended to provide a general, brief explanation of the school student accident insurance policy.  The policy summary in this website contains a more detailed summary of provisions and terms.  The Marion County School District will receive a master policy that contains all terms and provisions from which all claims benefits will be determined.  The insurance policy contains specific definitions and terms that may not be included in this website and are not fully explained by the school. For answers to more specific questions, please contact School Insurance of Florida, P.O. Box 784268, Winter Garden, Florida 34778-4268. Phone 800-432-6915.
FLORIDA LAW requires us to inform you that: "Any person who knowingly and with intent to injure, defraud or deceive any insurance company, files a  statement of claim containing any false, incomplete or misleading information is guilty of a felony of the third degree."
When filing a claim for school policy benefits, parents must disclose all other possible sources of primary insurance on the claim form.  Failure to provide true and accurate information may jeopardize your rights to receive benefits from the school policy.