If I am 23 years old and is a dependent on my parents’ insurance, would they be liable for the medical bills if I was unable to pay them?

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If I am 23 years old and is a dependent on my parents’ insurance, would they be liable for the medical bills if I was unable to pay them?

All paperwork was signed by me and the member was not involved at all, I’m just a dependent on her insurance. Any way they can hold the member liable to pay the bills for a 23 year old defendant on her plan. I’ve read as long as it’s not written in the insurance contract and the member didn’t personally request the medical help the 23 year old defendant would be solely reliable for the bills.

Asked on February 19, 2019 under Insurance Law, Washington

Answers:

M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

Your adult son is responsible for any unpaid portion not paid by insurance. Unless deemed to be incompetent or under a legally established guardianship, every adult is responsible for their own bills, even if on someone else's policy. 

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

You are correct. Since you are legally an adult and therefore responsible for your own debts and obligations, your parents are not liable for you medical bills except and only to the extent that they cosigned for, guaranteed, contracted for, or otherwise agreed to pay them.


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