If your BCBS plan includes the national network, then I would not buy the school plan. He can still use the campus health center for minor stuff. You do want to keep an eye each year on whether the national network is included. Some of the Blues have been pulling back, especially in plans sold on the open market. For instance, starting next year, there are NO national BCBS plans being sold in most of the state of Washington directly to consumers. One of their Blues pulled out of individual plans completely in western Washington, and the other only sells plans with local BCBS doctors included in the network. Employer plans are usually still in the national network, but I wouldn’t be surprised if that trend gained steam,
Also, some colleges (or the companies behind their plans) do check. We got called out on it another colllege, but were still able to get the waiver after confirming that we could cover the higher deductible.