Yes two of the contracts allow my husband, my oldest daughter and myself access to all the extra benifits but my youngest who is now 21 does not have any. She usually travels with us but I imagine as she grows up she will need her own membership card. She might be moving next year to attend graduate school so we have to make a choice before her home address changes.
I could add her to either of the first two or buy a new small contract through Disney. I think we shall add her because those direct prices are really high IMO.
The title company wants about 500 to do the change or as I understand it we can file the paperwork ourselves for a lot less.