<p>Has anyone used the student health insurance? Our current policy is less than wonderful, and expensive since we are self employed. D is not eligible for our family plan and has to carry her own policy (with a high deductible). From what I have read, the student plan seems better and less expensive than her current policy, but I would appreciate comments from any voices of experience.</p>
<p>The only response I recieved to this post was a PM from a reporter writing about student health insurance (I am guessing that most families represented on CC do not buy the Aetna student policy). I think I am posting a link to the article, but if not, one could google “NY Times Tulane student health” and find it.</p>
<p><a href=“http://www.nytimes.com/2010/08/14/health/policy/14patient.html[/url]”>http://www.nytimes.com/2010/08/14/health/policy/14patient.html</a></p>
<p>It may be worth it in your case. What I would do is not remove your dau from your family/business plan, but raise her deductible significantly so it is in essence a back up policy, and you will still have her on it after college, should she need it. If you have a policy that many Drs in the NOLA area are not on (a local HMO, for example), it wont do you much good.
*** And COOL about the article!! Congrats!</p>
<p>You know, we had not even considered carrying both plans, but that is an excellent idea. If our current company has a higher deductible/lower premum option it might be financially feasible, snd then D would have the catastrophic coverage the student plan lacks. Thanks for the suggestion jym!</p>
<p>I hadn’t realized until after I posted and read the NYT article that your dau had an underlying health issue. I would definitely keep both, with the second as a back up catastrophic plan, especially if the TU policy has limits. Happy to help.</p>