Family medical insurance companies often have special plans to cover your kids. If you have a college student then you more than likely can have them covered. Some states actually require by law that your kids be covered up until a certain age as well. In New Jersey for example, you can have you kid insured up until the age of 27. That means you can rest assured that your kid is covered if they get injured or develop some sort of sickness. Parents often worry about their kids more than themselves which is why this has always been a priority in the insurance industry.
First of all, you should have read the policy carefully before you even signed the contract. If you were looking into the future when comparing different family medical insurance companies policies you would have selected one that covered a college student. If you already have insurance and aren’t sure about their policy you will have to look at the paperwork. You can also call the company directly. There is a good chance that your student will be covered. If not, there are usually insurance plans offered by schools that can cover them while they are enrolled. Many of those plans are affordable, but lack the comprehensiveness of other plans.
There may be an option to pay a little more and add them to your policy. Another option is to take out another policy that will cover the kid. Family medical insurance companies are very friendly in these types of situations and will work with you to get the coverage you need. Don’t be afraid to ask in advance, maybe even years, so that you know what the cost of insurance will be during that time period. Being prepared is usually the best way to avoid expensive costs that may arise. Anything can happen in college which is why schools also want to make sure their students are covered.