Double Health coverage: UCSHIP and existing personal coverage

ucparent777
Sun, 20 Sep 2015 22:00:22 +0000

Hi

My son is covered by my personal HMO plan (I work as a consultant, so bought coverage directly not through Covered CA). My son is enrolled in UCLA currently as a sophomore, he was offered a grant to cover for the full UCSHIP charges.

Looks like we are eligible to waive UCSHIP, but we figured that since it is being paid by a grant which will otherwise be withdrawn if unused, we will make the best of it and at least pay less when he visits the first tier coverage of UCSHIP.

My questions is :
Since UCSHIP looks almost like PPO coverage, does taking my son off my personal coverage and reducing my payments there make sense? What are the pros and cons?

Thanks in advance for your considered response.

A UCLA parent trying to cut some costs here and there.

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