Student Accident Medical Insurance

We are committed to providing a safe environment for your student. Even so, accidents do happen, and resulting medical treatment (ambulance transport, surgery, hospitalization, etc.) can be very expensive. Of course, active students can get hurt outside of school as well.

Please know that OPUSD is not liable for these expenses. However, as a service to you and your child, OPUSD offers you the ability to voluntarily purchase a low-cost student accident/sickness insurance program administered by Myers-Stevens & Toohey & Co., Inc.

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 hospital. However, you’ll also have access to an extensive network of contracted 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:

All of 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 their 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

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 high school tackle football is offered on a stand-alone basis).

Enrollment: You may enroll online: https://myers-stevens.com/enrollment/.  To enroll, complete the enrollment form in full, select the plan(s) you want for your child, and return with payment as directed on the form. Your child is eligible to enroll at any time during the school year - please consider early enrollment to get maximum value from the plan(s) selected. Once processing is completed, an ID card verifying coverage will be mailed home to you.

If you have any questions, please call Myers-Stevens & Toohey at (800) 827-4695. Bilingual representatives are available for parents who need assistance in Spanish.