Enjoy those days while they last! There is this awkward period where the parent's offspring is an adult--over 18--but yet still a dependent and still on the parent's insurance plan. My oldest daughter is 18 and in this phase now. Recently, there were a bunch of medical charges to her college account from the student health center. I didn't want to pay these unless she had actually gone for services (they make mistakes all the time, so I wanted to verify this), so I asked my daughter if she had gone for services on these dates, and I told her I hoped she was OK, but also said that I was not asking her what she had gone for and that she did not have to share that with me as it was her own health and confidential. I wanted her to know I wasn't prying. She said OK, yes she had received services on these dates, and did not offer any explanation as to her health issues. It does make a parent wonder! I just hope she is OK and would share with me anything critical, like if she had some sort of serious disease.