As you know, time marches on, even if you aren’t ready for it. Kids get older and soon their primary education will be behind them. Most kids are generally excited to head to college. As parents, we want the best for our children. But before your child packs up and starts their new phase in life, there are 3 things you MUST do before your child heads off to college.
You may be asking yourself what is possibly left to do after you have applied and accepted, shopped for dorm items, and arranged the financial aspects. We thought the same thing until the unthinkable happened: our son was injured at school during the Summer session.
It was completely shocking and unexpected. Thankfully he is on the mend, and will make a full recovery. He just has the unfortunate situation where he had to take the Fall semester off. But, it will help us in January when he heads off to college again.
So what can you do as a parent to make sure you are ready for anything? Keep reading and I will share with you what we have learned.
3 Things You MUST Do Before Your Child Heads Off To College:
- Verify your health insurance. Call your health insurance company to find out if the local hospital is in-network or out-of-network. It could mean the difference between being fully covered or having to pay for out-of-network services, it could end up being in the thousands or even hundred thousands.It is a great time as well to verify any co-pays, referrals, or documentation you may need to give to the insurance company. Thankfully I thought to do this step before he left(never imagining I would actually HAVE to know it), so we knew what services we would definitely be responsible for, like the ER copay at the hospital near his school.
- Secure medical power of attorney. This is especially important if your child is over 18. They are legally able to make their own decisions regarding medical treatment. But what happens if they are unable to speak for themselves? By having a medical power of attorney in place beforehand, you would be able to make any difficult decisions regarding possible end-of-life decisions.It is a tough topic, but one you need to discuss with your child. They may not like the topic, but it is an important one. And one that should be made together.
- Release of information. Have your child sign a release of information document with you as a person that is able to have full access to any medical records. Since our son was over 18, he had to keep giving verbal consent for physicians, technicians, and other medical personnel to talk to us. When you are already scared and in pain, this can become very annoying.
So while we don’t want to think about our children being injured, if it does happen, you will be prepared with these important medical issues. Being prepared will allow you to focus on helping your child recover, and you will have less to worry about with administrative tasks.