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That can't be right. What if she is going to a uni in another state, and needs medical care. As long as she has the policy number and ID, I can't see why it wouldn't work. I can see if she was a...

Maybe you have a tubal pregnancy which can be fatal, and can be missed by an ER doctor. You are 21 years old, you are an adult, you are responsible for yourself. Your parents have no right to...