In order to be covered by the same insurance your parents have, do you have to live in the same house?

I'm looking to move out in January, and I need to know if I can still be covered. I've looked at my university's insurance plan, and it doesn't cover dental or vision.
This is probably a stupid question, but it's the first time I've really tried to find answers on my own with this sort of thing. Help?

It depends on how your parents policy is set up, honestly. The only way you can know for sure is to have your parent verify with their employer. (Note - it should also be spelled out clearly in the plan document. There should be a section for "eligibility." It will spell out the criteria that need to be met for you to be eligible to stay on the plan.)

I've seen employers set up their plans both ways. Most likely, you'll be okay. But, you'll want to check for sure. (I have seen employer group policies structured so that a child being claimed as a dependent needs to live with and/or be financially dependent upon the employee for at least 50% of their support. Its not terribly common, but it happens.)

If you are going to be a full time college student you should still be covered by your parent's insurance. Usually you just need to mail the insurance company a copy of your class schedule as proof of your full time enrollment.

If You are in school, you can be covered by folks up to 21, a viper (extended plan that costs) until 23 still i think (it's beena while)

If your parents pay for most of everything concerning you, in other words if you are still considered there dependent come tax time, then you would still fall under your parents insurance plan, usually.

You can remain on your parents' insurance plan until you are 25 with most insurance plans. You do not need to be living in the same house. Good luck in college!!

Most health insurance companies have a clause that if you're still in school, you can be covered up until age 23. I would suggest asking your parents if their insurance has such a clause. Keep in mind that you must be full time during that semester (12 semester hours in the fall/spring; not sure how they feel about the summer semesters).

Car insurance is similar as long as you don't change your permanent address to your dorm. If you do, I know of at least 1 insurance company (Statewide) that pitches a fit over that.

You have to be their dependent, and use that address as your legal residence.

Moving away to college is USUALLY not considered moving out of your parents' house.