One other thing to consider: your student is now 18 and is considered a legal adult. Because of the HIPPA laws, you as a parent are no longer allowed to receive information from the doctors on your child’s medical condition without his/her consent. If your child is in a car crash at school and taken to the hospital, the facility is under no obligation to let you know your child’s status, even if you are the one paying the bills. So having health coverage to pay for medical visits is one thing, but being able to direct your child’s care is another.
In his blog post at the FPA, Chip Workman, CFP® MBA give some ideas on basic authorizations a college student should have.
"Many of your parents’ rights and obligations involving children end at the 18th birthday. While this freedom can be empowering, be careful not to cut ties too hastily. Consider getting some basic paperwork put together by your parents’ estate planning attorney to give them the authorization to make calls on your legal, financial and medical affairs if and when appropriate. Imagine having a medical emergency and your parents having to go through a court to get rights to basic information. Take this a step further and have a Family Educational Rights & Privacy Act (FERPA) prepared that gives them the right to communicate with your school as well."
Checking with your family attorney can go a long way in making sure your child is protected.