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Sending your kids off to college can be hard. All along, you've shielded them from injury and danger, but now they're on their own. Fortunately, you can still help protect them by making sure that they have the appropriate coverage.
Health insurance coverage is a must Health insurance coverage is just as important for your college-bound child as it was when he or she lived at home. Accidents, illnesses, unexpected emergencies, and routine conditions may require expensive medical treatment.
Many colleges even require health insurance coverage as a condition of enrollment.
In most cases, you can continue to insure your child under your own family health insurance plan. Most plans will continue to cover full-time students who meet the age requirements of the policy (e.g. under age 21 or 24). If your plan is a health maintenance organization with coverage restricted to local doctors and hospitals, you may need a separate plan for your child if he or she is going out of state. You may be able to buy an individual policy from a private insurance company.
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