Q. My child is attending college in another town and I have her covered under my employer group plan. Is this sufficient coverage or should I take out the plan offered by her college as well.

A. Most likely the plan offered by her college is [1] minimal coverage and is unneccesary as a supplement to your group cover. In addition, her student fees probably cover most, if not all visits to the student clinic.

I would suggest you consider applying for her own policy, separate from your coverage. There are many things that can happen to affect her eligibility under your plan. Also, you may be able to find sufficient coverage for about half the price you are paying now.

Most students rarely visit the doctor and really only need a high deductible plan without copays. Many times you can pick one up for less than $80 per month.