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The tuition payment schedule is set up. The dormitory assignment has been made. You child is headed off to college in the fall. In all of the hustle and bustle, have you made sure to check on their health insurance needs?

Stop and think about this for a minute. Many insurance companies provide health insurance for your family but do you know for a fact that your plan covers health insurance for college students?

Some insurance companies also consider whether the person is a full-time or only a part-time student. You should make sure to look over your policy closely to understand this. You want to know whether your HMO will cover your child if they visit a hospital away from home.

Check to see if your policy has an age limit and if so, what it is. Coverage ends at age limits no matter what the circumstances are.

Ask your insurance company to provide an extra insurance card for your son or daughter to carry with them; if there is an additional card for prescription medications; make sure they have that too.

The preventative step will help to take away any confusion when they have to all of a sudden visit a doctor. There are health care plans specifically for students which are available through colleges, they also come with great prices if your policy does not have your child added.

College can be confusing enough without having to needlessly worry about whether your child is covered under your health insurance plan. Be sure to look now at health insurance needs of your child before they go off to the university this fall.

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