<p>my understanding of the rules is that if you waive the Yale health plan, your student can still use YHS for free for primary care including gyn. So anything that a family practice doc or pediatrician or gynecologist might do for your kid (ear infection, sprain, bronchitis, birth control, etc.) will be covered. Visits to specialists and emergency room care are not covered. Your home plan may or may not cover those things adequately. If you waive the Yale plan, you may end paying out-of-network fees, or your child may occasionally put off seeing a specialist until she comes home for vacation.</p>