<p>Just a heads up for set back parents. I just spoke to the academy and the set backs are not considered full time students anymore and therefore possibly no longer covered under the parents health insurance either. They are definitely not covered through the academy.
In order to be covered under most parents' insurance, the student must be full time (12 credits), more than most set backs take. Question: Should the set back take 12 credits while at home to keep the parents' health insurance or is that taking on too much, maybe risking not doing well in the classes the set back needs in order to get back to KP?</p>
<p>Most insurance companies check coverage in August and January. Your dependent is covered between those periods since they are on trimesters. After December the setback need to be enrolled in the classes they failed if they want to return to the academy. At that time you should weight out the cost. It may be taking a few extra classes will get them to full time status thus making them eligible for your health insurance in January. After all they can take a class like chemistry that will help them prepare for another future class at the academy and/or they might also like to take a PE class to help stay in shape. </p>
<p>When my daughter graduated from undergrad early she had a semester off before grad school. I found a BCBS policy online that was very affordable for student just out of school (an umbrella plan) about $150 for six months.</p>
<p>You can get individual insurance or student insurance, even with low credits. Check online or with your current insurer. When ours got hugely expensive, we bought son individual coverage from Assurant.</p>