Can your child be taken out of policy if going to college in other state?

UPDATED: May 23, 2011

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UPDATED: May 23, 2011Fact Checked

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Asked May 23, 2011

1 Answer

Most insurance policies cover your children up until the age of 25 if they are attending college as a full time student, while others cutoff health insurance benefits as early as age 21. Health insurance may require dropping the student at a younger age, but they will not drop him or her simply because they are going to college in another state. As long as your children are considered dependents and are under the age limit stated in your policy, they will continue to be covered no matter where they go to school at in this country.

Once the children have graduated and gotten their own residence, the insurance company considers them to be adult and responsible for their own insurance needs. They may remain at home and receive insurance coverage as long as they are a family dependent, but the coverage will end within 30 to 60 days of being emancipated. For other types of insurance, such as an auto insurance policy, a different policy will be required in other states but the children can travel anywhere within your state and remain covered. car insurance requirements vary from state to state, and insurance is regulated in the same manner. This means that your coverage may not be suitable, but it is also likely that the demographics for the child's new residence have an affect on the risk the insurance company must face.

Your child will not be taken out of a health insurance policy because they are going to school in another state, but they may be removed because of age restrictions. For instance, a child that was attending college full time to earn a doctorate would be older than the maximum allowed by health insurance providers before they graduated.

Answered May 23, 2011 by Anonymous

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