Last year my son tore his ACL and meniscus in a Challenge league game. I filed with the SCYSA insurance company and they paid all medical expenses not covered by my primary insurance carrier, including extensive therapy. There is $1000 deductible, but my out of pocket expenses would have been around $8000. Below is a link to the SCYSA insurance coverage.
http://www.scysa.org/forms/accident_medical_expense_benefits.pdf
