The insurance covers the difference between the school insurance maximum and the MHSAA minimum catastrophic insurance, so that athletes are covered for any potential injury.

This is supplemental insurance, which pays after your primary insurance has paid. If you have insurance, you must submit to them first.  Once you have determined what your primary insurance company will pay, you can submit any remaining costs to this supplemental policy. If you do not have insurance, this three-way insurance plan (School insurance, Supplemental insurance, and MHSAA catastrophic insurance) covers any athlete who is hurt during practice, during an athletic contest, or in the school bus transporting to and from our school's sanctioned sporting event.

The insurance fee is required for all athletes.  It is to be paid when the physical is turned in, prior to the athlete trying-out or practicing.  The fee is only paid ONCE per school year, regardless of how many seasons an athlete participates