Am I responsible for medical bills if I am considered a minor still?I recently moved out of my parents house to live with my bf and my parents still have me covered under their insurance. I have...

Am I responsible for medical bills if I am considered a minor still?

I recently moved out of my parents house to live with my bf and my parents still have me covered under their insurance. I have frequent dermotologist bills that need to be paid. She's been threatening me to pay them or they will go on my credit. I've never established credit and I feel like I shouldn't have to pay the bills. I moved out on the 6th of january and she's claiming I have to pay the bill that was sent the 4th of December. The bills are addressed in my name, but I think she's just trying to scare me to make me pay them. I am 18 still, and the age of majority is 19 in Alabama

Expert Answers
brettd eNotes educator| Certified Educator

In some states your age may make a difference.  Not sure how being 18 instead of 19 will apply in Alabama. Generally, however, a minor is not considered financially responsible for debts incurred unless they are what's known as "emancipated".  That is, a court has declared them legal adults even though they are still a minor by age.  In most states you yourself would have to request emancipation - you cannot be forcibly emancipated in other words.  Check into that for your state.

You indicated you are still on your parents' insurance, but insurance companies have their own rules on what is and is not covered and under what conditions and circumstances, and discovering the fact that you do not live at home might affect whether or not they pay for certain procedures or ailments.  I would check into that.

Lastly, try to find an online legal service that gives free advice, or an attorney that will consult you without charge.  You might even try a law professor at a college, as I am not an attorney, and do not know all of the law as it applies in this case.  Good luck.