<p>Our HMO insurance does not cover our daughter OOS so we bought insurance thru her school. It is a good policy she has used it a lot. She is a dancer and hurt her knee this year- she was able to get physical therapy that was covered completely under the policy. When our older son graduated from college and was no longer on our policy a few years ago, we bought insurance thru Kaiser for around $80/month. It did not have great coverage, but would have covered him for a catastrophic event, which is all we were looking for. Fortunately, his insurance from his new job kicked in quickly!</p>
<p>We tried to get S covered by Kaiser but they rejected him because he has mild, well-controlled asthma. 
We were able to get our BCBS plan to issue him a separate policy for under $300/month from mid Aug until 1/1/11, when he could be readded to H’s policy. He qualifies for insurance under his new job but has been dragging his feet about choosing & putting in the paperwork. It is somewhat bewildering, the myriad of choices available to federal employees. It has taken me ALL DAY figuring out the options & talking with our current insurer, which will be his 2ndary. Sheesh! It sure is complicated to sort out!</p>
<p>Note that at least some school policies have optional riders that increase the maximum coverage into 6 figures.</p>