<p>@PhantomBMAN</p>
<p>I have Kaiser, and I waived the insurance the school provided. You might need to check with your specific plan, but at least for my Kaiser plan, they cover emergency help at other hospitals (and on campus if you go to the Health Center) as long as you can provide a receipt. So if you do need to go to the hospital for whatever reason, you can just go to the nearest one in Santa Cruz and still be covered.
This might not apply for your plan, but for mine it did, so I declined the campus insurance and ended up saving a lot of money. Just some input on that…</p>