<p>Everyone gets Yale Basic coverage at no extra charge. You can choose to keep ($1800) or opt out of the prescription part and/or hospitalization/specialist component of the premium plan. If you get an infection requiring antibiotics, you need the prescription part or you will pay for it through your own plan. If you get something like a stomach ulcer, it’s either easy with the yale hospitalization component that you paid for, or a bit more difficult through your non-Yale plan.</p>