Mooresville Graded School District (MGSD) offers families a voluntary student accident insurance plan. This program provides an optional way for parents to secure coverage for their children against injuries that can occur at school, during school-sponsored activities like athletics and field trips, and even outside of school hours, depending on the chosen plan. The insurance is particularly helpful for families who either don't have existing health insurance or wish to supplement their current policy by covering deductibles and co-pays. The district is partnering with the Young Group to make a variety of plans and options available to suit different needs and budgets.

Mooresville Graded School District provides limited secondary accident insurance coverage for high and middle school athletes, band, and cheerleaders participating in any school-sponsored and supervised activity.  Primary coverage for your child is still recommended.  A brief summary of coverages can be found at K12 Student Insurance.

Mooresville Graded School District’s general liability insurance excludes student medical expenses unless it can be shown that the school system or district acted negligently.

This Accident Insurance policy provides LIMITED BENEFITS and pays for accidental injury expenses after all other insurance has been paid.  If there is no other available insurance, this policy becomes primary.   

Because this policy provides LIMITED BENEFITS parents should consider purchasing the school's voluntary student Accident Insurance to help cover additional out-of-pocket expenses. 

This is only a brief summary of the district-paid Student Accident Insurance.  The master policy is on file in the district office and any conflict between this summary and the master policy – the master policy prevails.

Purchase insurance 

Voluntary Membership in a group accident insurance program is made available to students each school year. Participation in the plan is voluntary and made available annually and parents are urged to purchase it for their children.

If you don’t already have accident insurance for your child, Mooresville Graded School District has contracted with The Young Group to offer coverage, which you may purchase at their website any time during the school year.

• Parents: Online Instructions
• Downloads: Student Accident Insurance Plans (English) | Student Accident Insurance Plans (Spanish)
• Accident Claim:  HSR Claim Form (English) | HSR Claim Form (Spanish)

Voluntary student accident insurance is “primary” insurance, meaning it pays even if you have other medical insurance.

While you may purchase coverage anytime during the year, the cost will be the same and there is no prorated premium.  Additionally, the premium is due in full at time of purchase.

Questions

For questions about Mooresville Graded School District’s voluntary insurance coverage, call the service broker:

Doug Young, President
The Young Group, Inc.
(919) 846-9798
info@younggroup.biz