Dear Parents/Guardians,

Pentwater Public Schools does not provide any type of health or accident insurance for injuries incurred by your child at school, to include injuries incurred as a result of participating in athletics.

As a service to students and their families, our school is making available a student accident insurance plan for your child at a very nominal cost. The district offers this program because of trends in rising family health and dental insurance costs, increased deductibles, co-payments, or lack of health or dental insurance coverage.


  1. Deductible and co-pays in your health plan. Many health plans have increased the amount of out-of-pocket expenses.

  2. No insurance.

This plan will provide benefits for medical expenses incurred because of an accident. If you have other insurance, benefits can be applied to your deductible or co-pays.

If you have no other insurance, this will become your primary accident plan.

PURCHASE COVERAGE ONLINE (with Visa or MasterCard) at and then follow directions at "Find Your School". A link can also be found on our website under Students/Parents.

All questions regarding this coverage should be directed to First Agency at 269-381-6630, or toll free at 800-243-6298.


Scott Karaptian, Ph.D.