<p>I have a question to parents whose kids are covered by their parent's companys health insurance. Do you still buy your kids health insurance through Harvard. This way for a $1400 you buy additional coverage for health insurance. However if parents health insurance coverage is very good is it better to forget the Harvard plan and cover your kids through parents health insurances policies.</p>
<p>Does Harvard offer any kind of plan at a reduce rate (not the full cost plan) which could be supplemental in addition medical coverage provided by parents health insurance. This supplemental plan is lower in price as compare to full fledged plan offered by the Harvard health insurance plan. Thanks</p>
<p>Does this full coverage health insurance plan cover the dental portion or is it separate? </p>
<p>What about similar situations at other US colleges? I am sure many parents have family health insurance coverage from their work. Do you still buy individual student health insurance coverage from the university? Thanks</p>
<p>Our family plan covers all the kids, and it is good coverage. So we would definitely not spend more through the school since it would not reduce our family plan cost. Most colleges still require you to pay a small fee however, to cover the campus clinic.</p>
<p>We continue with our blue cross/blue shield coverage for the kids, because it covers them up through age 25. It seems safer to continue with it than let it lapse. At my kid's college you have to fill out a health insurance waiver form online and subtract that amount off your total bill. Kids are covered for school year medical issues through the health clinic oncampus.</p>
<p>I think the university health fee is mandatory; it covers things like emergency visits (for example, should the student come down with a virus; need counseling; or be drunk). I believe in the first year, students may also be required to have another health plan for non-emergency care such as check-ups and preventive care. Local students are exempted from the second insurance plan since they are covered under their family health plan (mandatory in MA); I don't know about non-local students.</p>
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<li><p>We, and I think most people, continue to carry our children on our employment-connected insurance. If we didn't have decent employment-connected family insurance, or if we had to pay a lot for it, the university plan would be a viable option. But there's certainly no need to double-up.</p></li>
<li><p>Our children's college also charges a separate, relatively small fee for access to student clinics.</p></li>
<li><p>Dental? You have to read the information they send you. Or call one of the information numbers that are doubtless provided.</p></li>
<li><p>Supplemental insurance? I've never seen that, but I haven't seen Harvard's insurance offerings. Same as above: read the materials, call the number.</p></li>
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