This is a minor rant that I'm pretty sure will get sorted out next week, but I thought it might be interesting especially for those parents new to this issue. I have a rising sophomore and included in her bill for the coming school year is $1890 for the student health insurance. There is a procedure online to request a waiver of the student health insurance by showing you have adequate coverage. But if your deductible exceeds $1K per individual or $2K per family, you need to submit a form signed by the parents acknowledging you are declining the student coverage and promising to pay any uncovered expenses. We have a high deductible plan ($3K per individual, $6K per family). It's a very good Blue Cross PPO plan and we have an HSA with a significant balance (well in excess of the deductible). We also have another child with high medical costs so every year we satisfy the family deductible by mid-year. We've already satisfied the 2016 deductible. Yet our request to waive out of the student plan has been denied twice. The whole procedure is handled online with Ascension, the plan administrator, and no reason is given for the denial. I've sent an email to the student affairs office and will call both them and the plan administrator on Monday. But while I fume over the weekend I thought I'd post and see what experiences others have had.
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