However, and that is a big however, make sure your child is covered for more than emergency services if they are going to a college out of state, or even out of your coverage area. We are running into this problem with DS going to Norwich and our insurance only covers ER there. The school requires that they have more than emergency coverage, so we will be purchasing the school insurance (which strangely enough actually has providers in our area....go figure). So our insurance covers to age 26, but not out of network!
Check and double check with your insurance about coverage as I know another parent who was originally told her DS was covered, and then received a letter saying he wasn't.