The health and safety of our students is of critical importance to the Northshore School District. Even so, accidents may and do happen and resulting medical care can be expensive. Please know the district does not assume responsibility for such costs but as a service, we are providing information regarding optional student accident and health insurance coverage administered by Myers-Stevens & Toohey, Inc.
These plans are used by many school districts across Washington. Although they are not the only provider of this type of coverage, they have been recommended by our Washington Schools Risk Management Pool.
Coverage is available for:
- Accident & Sickness Plan
- School-Time Accident Plan
- Full-Time 24/7 Accident Plan
- Dental Accident Plan
- Interscholastic Tackle Football
Information from Meyers-Stevens & Toohey
If your child already has health coverage, the student insurance plans offered can also be used to expand choice of providers and help cover the high deductibles and 30% to 40% cost sharing obligations imposed by many health plans today.
Options are available to cover your child 24/7, anywhere in the world or you can limit coverage to school-related injuries only. The plans do not restrict your choice of doctors or hospitals. However, you’ll also have access to an extensive network of providers with discounted fees. Seeking care through contracted providers may further reduce your out-of-pocket costs, particularly if your child needs surgery or hospitalization.
Also offered is the pay-as-you-go Student Accident & Sickness Plan which covers sickness as well as injury, in and out of school. The Dental Accident Plan can be of particular value with younger students as final treatment to injured teeth often needs to be deferred until after they mature.
Common emergency benefits – Regardless of the benefit level selected, all the accident medical plans and the Student Accident & Sickness Plan will cover eligible charges for Ambulance, Emergency Room and Emergency Room Physician at 100% of Usual, Customary and Reasonable charges (UCR) up to plan limits.
Enhanced benefits for qualified concussions – If an insured student suffers a concussion while participating in any covered activity and is consequently removed from play from his/her interscholastic sport per the school’s formal concussion protocols, then any deductible or inside limit features of the plan are waived and eligible charges for the evaluation and treatment of the concussion are paid at 100% of UCR subject to remaining policy terms and conditions.
Interscholastic Sports – Please know that all plans offered (other than the Dental Accident Plan) may be used to comply with applicable state and local insurance requirements for participation in interscholastic sports (coverage for tackle football is offered on a stand-alone basis).
COVID-19 – After schools were physically closed in March of 2020, Myers-Stevens & Toohey (MST) worked with the underwriting insurance company to make several adjustments to the insurance program. In brief, they included: 1) qualified extension of coverage to distance learning at home; 2) qualified coverage for COVID-19 testing costs; 3) the addition of Telemedicine as a covered service; 4) qualified extension of coverage for school activities pushed beyond the last day of instruction; 5) related extension of coverage to graduated students participating in such postponed activities and 6) modified claims forms and procedures. Currently, these adjustments continue to apply to the 2021-2022 School Year insurance program. As matters concerning COVID continue to evolve, updates will be posted on the MST website.
Details can be found on the MST website at www.myers-stevens.com.
Meyers-Stevens & Toohey
Information & Online Enrollment
Filing a Claim
Report school related injuries to the school immediately. Complete the claim form found on the Myers-Stevens & Toohey website. The school will need to complete Part A of the form.