<p>Booklady, we also kept our child on H’s insurance - and when she needed Basic Coverage - all was fine. The problem arose when she was told she should see a specialist and she was told she didn’t qualify for services since she had opted out of Yale’s plan. There were a LOT of emails/phone calls back and forth from home to school, and it made a stressful situation more stressful. You are absolutely correct, we also checked the info provided by Yale, but the bad info by school personnel caused undue delays in service. As a side note, our coverage IS NOT good “out of network” so next year we are going to have her covered by Yale’s plan. Once again - if you opt out of Yale’s plan and your child needs a specialist, you may run poor information and delays. </p>
<p>As for summer, if you take Yale’s plan your student will be covered in the summer and while traveling in other countries. Once again, check your own policy about out of network coverage - our personal coverage is great locally, but not out the area.</p>