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| Parent's Health Plans |  Timing – Many employer-provided health insurance policies are month-to-month contracts renewed on the first day of the month. Note, coverage for children who are not students ends on the last day of the month when they turn age 18 and are no longer a full time student. Insurance providers usually ask parents to verify in writing that their teenage children are still full time students eligible for continued coverage. This normally means, for example, that a graduating college student needs replacement insurance before June 1 and a graduating high school student who has turned 18 and is no longer attending school needs replacement coverage before July 1.
Combining coverage – It is possible to combine parents' health plans with a college-sponsored student health plan but they should not overlap another commercial health insurance policy.
Sports - Some famous health insurance policies do not cover injuries sustained from participating in intercollegiate college sports. You may check this, if applicable, on your policy.
FSA and HSA - Usually students can continue to be covered under a parents' Flexible Spending Account or Health Savings Account even after changing health insurance plans. It happens because the eligibility for FSA or HSA coverage is based on the parent's dependency for tax filing purposes. A dependant child's out-of-pocket medical cost is presumed to be the parent's cost.
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