Can you switch grad schools?

[Army Wife'79]

Here's the situation: I think my D can graduate next December (a bunch of AP credits and some summer school) instead of May. The graduate school program she wants usually takes the new grad students in August. Because of medical insurance (she must take 12 credits each semester) she needs to start grad school in January after she graduates. Could she stay at her own college for ONE semester taking grad school classes in her major and then transfer them to the other school where she wants to go to grad school (same state)? Has anyone ever "transferred" grad level classes? I hate to keep her at her university an extra semester taking 12 undergrad credits of "basket weaving" just to keep her health insurance current.