Yale Athletics Training Insurance Information

The Yale athletics department does not have special medical insurance coverage for student-athletes participating in intercollegiate athletics. All Yale degree candidate students receive primary care services at the Yale Health Services. All students are also required to have hospitalization coverage, either through their private insurance, or through Yale Health Plan. Students are given the option of purchasing YHP hospitalization and specialty services coverage. Yale Health Plan has sent you more complete information regarding YHP services.

This document outlines the Yale University policy on medical insurance. We understand that this is a very important issue for our student-athletes and their families. Please do not hesitate to contact our head athletic trainer if you have any questions or concerns.
Part One - Medical Insurance

I. The Yale Athletics Department DOES NOT provide medical insurance coverage for athletic injuries.

II. Yale Health Plan Coverage and Options


and specialty services (YHP Care Plan) or maintaining private insurance. Specialty services include allergy, audiology, dermatology, ear, nose and throat, general surgery, off-site lab testing, neurology, obstetrics, ophthalmology, orthopedics, physical therapy, radiology and urology. These services are fully covered by the YHP Care Plan if purchased for the selected fiscal year.



trainer to the team physician at the YHP. Eli needs x-rays, and also needs to see an orthopedist.


Scenario 1: Eli has private insurance. There is no charge for the visit to the team physician (YHP
primary care service). Eli's insurance will be billed for the x-rays and for the visit with the orthopedist
(radiology and orthopedics are YHP specialty services). All deductibles and co-payments are Eli's

Scenario 2: Eli has YHP Care Plan. There is no charge for the visit to the team physician (YHP
primary care service). YHP Care Plan will cover the radiology and orthopedic visits with no additional

III. Personal Insurance Coverage for Specialty Services


IV. Summary


We are confident that the Yale sports medicine team will provide excellent care for your son/daughter. We do recommend that our student-athletes purchase the YHP Care Plan (hospitalization/specialty care coverage) in order for our sports medicine team to provide the most expedient care to your son/daughter. We understand that this is a family decision and courage you to carefully review your personal medical insurance policy prior to making this important decision regarding medical insurance.

Part Two - Dental Insurance and Outside Services

I. Dental Coverage

The athletics department is not responsible for deductibles in excess of $100; any co-insurance other than 20% of $2,500 and any expense over $600 per fiscal year.

These limits apply to all major programs including private insurance and YHP Prescription/Supplemental Benefit Plan. The deductible and co-payment for these services and appliances will not be covered unless you have private dental insurance or the YHP Prescription/Supplemental Benefit Plan.

II. Other Services

Part Three - Acknowledgment Form and Emergency Information Card