College Athletes Stuck With the Bill After Injuries

By KRISTINA PETERSON
NYT

After years of concerns about inadequate health coverage for college athletes, the National Collegiate Athletic Association started requiring universities to make sure their athletes had insurance before competing.

But the association never established clear standards for that coverage when it introduced the rule four years ago, leaving colleges to decide for themselves. While some colleges accept considerable responsibility for medical claims, many others assume almost none, according to a review of public documents from a cross section of universities and interviews with current and former athletes, trainers, administrators and N.C.A.A. officials.

University officials say they go out of their way to inform students about the limits of insurance. Yet the situation has confused and frustrated athletes and their families, some of whom have had to shoulder large and unexpected medical bills.

“I thought I would be covered,” said Erin Knauer, a Colgate University student who piled up $80,000 in medical bills after injuring her back and legs in training for the crew team. Insurance has covered less than a third of the cost because of the way her condition was diagnosed. “You never think you’re going to rack up that much of a bill.”

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