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Old 04-05-2011, 03:12 PM   #1
EllenFrasier
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If your child is injured at school, does the school pay the medical bills?

My son was injured in gym class at school today. He got kicked in the hand and cannot move his thumb. Right now we are at the "ice and it and see what happens" stage, but he may end up in the ER for an x-ray. Does anyone know if the school will pay for the medical bills since it happened during the school day, or does our insurance pay for it?
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Old 04-05-2011, 03:16 PM   #2
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I would think that unless there was some negligence on the school's part it would be something you would have your own insurance cover. Good Luck and hopefully the ice will help and you won't need the trip to the ER!
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Old 04-05-2011, 03:18 PM   #3
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I know in our district, they offer a supplemental medical policy at the beginning of the school year to cover accidents in school if you want it; otherwise, you use your own insurance.
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Old 04-05-2011, 03:20 PM   #4
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It would be your insurance. Injuries during sports, including gym, are normal. Also I'd go typo an urgent care center and not an ER because it's cheaper and quicker.
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Old 04-05-2011, 03:20 PM   #5
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If you do end up at the ER expect that you will get a letter/phone call asking about how and where the injury happened. Your insurance should pay for the claim unless you state that you are suing the school or the child that injured him.
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Old 04-05-2011, 03:23 PM   #6
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Ours definitely does not. At the beginning of the year, we are encouraged to pay a small amount for insurance for our children, in case they get hurt at school, because the school is not responsible. We have good health insurance, so I never get this through the school, figuring our insurance would pay. ETA - I can't imagine going to the ER over a suspected broken thumb. Ds12 is a catcher, and has sprained his thumb many times, but I just wait a couple of days before bringing him to the ortho for xrays. I broke my pinky, and went a week before having it xrayed. It was found to be broken, and I got a splint (that's how I had been treating it on my own anyway).
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Old 04-05-2011, 03:24 PM   #7
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My dd was tripped by another kid in gym class last year and smashed her face on the gym floor. It looked like she might lose her front tooth. The school nurse sent home a form with us when I went to pick her up for any medical expenses not covered by our insurance.

I think that was their way of saying please don't sue us.
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Old 04-05-2011, 03:26 PM   #8
sam_gordon
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Our DD got hurt in gym class last week. We were told by office staff the school would pay for the medical bills. DW did take her to the ER so they could get X-Rays (had bent her wrist back, wanted to make sure it wasn't broken). DW turned in her insurance card to the hospital when they checked out.

Bottom line, we'll let you know in 6 months when we get the paperwork. :P
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Old 04-05-2011, 03:33 PM   #9
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Really, school's pay for medical expenses after accidents? I've never heard of such a thing. It seems like schools would have to ban all contact activities in gym just to minimize liability if that were the case.
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Old 04-05-2011, 03:38 PM   #10
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Quote:
Originally Posted by EllenFrasier View Post
My son was injured in gym class at school today. He got kicked in the hand and cannot move his thumb. Right now we are at the "ice and it and see what happens" stage, but he may end up in the ER for an x-ray. Does anyone know if the school will pay for the medical bills since it happened during the school day, or does our insurance pay for it?
Your insurance pays for it. And you pay the copays and deductibles. Injuries that do not occur due to negligence on the part of the school don't get paid by the school. And the parents of the child who injured him are not responsible either. It was an accident.
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Old 04-05-2011, 03:42 PM   #11
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As I'm reading this and see the word negligence, since my daughter slipped on ice outside the gym door after a school basketball game, the school might have paid for the ER copay?
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Old 04-05-2011, 03:42 PM   #12
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Originally Posted by Marionnette View Post
Your insurance pays for it. And you pay the copays and deductibles. Injuries that do not occur due to negligence on the part of the school don't get paid by the school. And the parents of the child who injured him are not responsible either. It was an accident.
I would think this. If your child was hurt playing kickball in the street in front of your home who would pay? Unfortunately, accidents happen.
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Old 04-05-2011, 03:52 PM   #13
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Quote:
Originally Posted by Momejules View Post
I would think that unless there was some negligence on the school's part it would be something you would have your own insurance cover. Good Luck and hopefully the ice will help and you won't need the trip to the ER!
ITA

The kids I know who were injured in school did not get the medical bills paid by the school. It fell under their own health insurance.
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Old 04-05-2011, 03:52 PM   #14
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Quote:
Originally Posted by msmayor View Post
I know in our district, they offer a supplemental medical policy at the beginning of the school year to cover accidents in school if you want it; otherwise, you use your own insurance.
That's exactly the same thing here in our school district.
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Old 04-05-2011, 04:01 PM   #15
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My kid got hurt in gym class and when I went to pick him up they gave me a form to give to the doctor to bill the school's insurance for the claim even though I have private insurance. It must vary.
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