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susan_112147 | My son is 23 and lives with me,he has no real job,only works on cars for money. The question is, he has no? |
health insurance,what happens if he needs to be hospitalized for some reason,who will be responsible for the bill? I am a single mom with no extra money. I just bought my first own home and used money from a small inheritance when my parents passed away as a down payment. Could I lose my home? |
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Bee-Otch
 |
Tell him to get a job or move out!
I don't see how you could be held responsible he is a grown man. Maybe he can qualify for some type of state offered insurance in the meantime to put your mind at ease. |
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kanjicharbe_03
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no, although he lives with you, you are no longer responsible for him. he is a grown man. |
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christina.yost
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No. He's an adult. He is no longer your dependant. You are not held financially responsible. Remind him of this! Make sure he understands that there is NO WAY that you will be able to help him out if something were to happen to him. To just let him loaf, you are being an inhibitor and you aren't doing any good for him or yourself. 23 is long enough for him to just lounge around mom's house. You deserve to life a more care-free life without feeling obligated to continue supporting your adult son. He needs to understand the consequences that he will have to face if he doesn't start being more responsible. As hard as it may be, you will be HELPING him by offering NO financial support. What will he do if something were to happen to you? He wouldn't know how to support himself to stay alive and thrive. Sometimes tough love is the best love. |
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amaya7
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he is an adult. he will be held responsible for the bill. |
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laurajoy79
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At least where I live (Wisconsin,) he is completely an adult, and you are not responsible for him in any way anymore. You are not required to have health insurance on anyone who lives in your home; that would be ridiculous. It would be like saying if he racked up a credit card, you would be responsible because he lives with you. Honestly, for everyone's benefit he needs to understand the importance of getting a job-ANY job-to take care of himself, as long as he is physically able, of course. Until then, you can only hope he doesn't mess up his future by not having insurance he ended up needing. |
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Chloe
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You should probably ask a lawyer, but unless your son is on the deed or mortgage, I don’t think you would be liable for his medical bills should something happen. He’s a legal adult and responsible for himself. However, I understand your desire to help your son avoid going into massive debt should something unexpected happen. There’s a new company offering low cost individual health plans in Texas for young, reasonably healthy people, and is a great health insurance solution for individuals in their twenties. You buy into a plan at a super low cost with fixed benefits that will cover the typical activities and preventative care of a healthy person. Then, if something catastrophic happens, you have the option to get additional levels of coverage, even AFTER the event. A healthy male 25-years-old (and under) would pay under $100 a month for basic coverage. Check them out at http://www.precedent.com - Even if you’re not in Texas, my understanding is that they’ll be offering plans in additional states soon. I hope you find what you need! |
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Jupe
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Of course not, he is over 18, that is his responsibility. |
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Lola
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you should find a job & ask your son to help you out financially. then maybe, you wouldn't be able to lose your home. & he would be responsible for the bill if he needs to be hospitalized for some reason. |
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Jadeson
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I'm not sure if he gets paid well working on cars. If he doesn't, he really ought to get a job. Since he can hardly live by now, additional expenses such as insurance should be left aside for now. Until he accumulate some form of savings, do set aside some $ for insurance. It does come in handy during emergencies such as accidents, disability, hospitalization etc.
Under what circumstances will u lose your home? U didnt really state clearly. Unless you're in a mountain of debt and are declared bankrupt, your home will be seized. Otherwise, all is well.
www.soundinvesting.blogspot.com |
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Magnus99
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He is responsible for his own obligations including health costs. you are safe, but give him a little advice. Ask him to take out a catastrophic health insurance policy on himself. It won't pay anything unless the claim is very high. Decide on how high it should be. For example, It would set me back to get a 2-3,000 bill but I could handle it. If the bill get over 5,000 it might take me a year to recover.
Catastrophic health policies can cost $25/mo for someone 23.
You might also tell him it's time to stop playing around and get serious about life and a career. |
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Speaking_Up
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You are not financially responsible for your 23 year-old child. The only thing that you may worry about is whether you will put yourself in a financial hole trying to help him in the case he needs medical attention.
Emergency service will be billed to him but in the case of routine medical care, doctors' office don't bill because they want payment at the time is rendered. I know of a guy like your son who was involved in a serious accident. Though he ended up with over $500,000 in medical bills, he was not able to get meds when he was released because he couldn't pay it. His family paid what they could and he applied for all sorts of assistance. Last I heard, he was going to file bankruptcy to clear that debt. |
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SillyRabbit...
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i think he is responsible...i was booted off my parents insurance when i turned 23. |
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Mommy in Cali
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This happened to a friend of mine. She was living with her parents, had no job and ended up in the emergency room and later admitted for one night to the hospital. She later received a bill for the hospital stay. She couldn't pay it, so it went to collections. She since has gotten a job. She settled with the hospital for 1/3 of the actual bill and pays monthly payments now. Since she was over 18 (a legal adult) the hospital could not legally go after her parents. |
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jessicas127
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Possibly. Tell him to get a job, house, and girlfriend. Good Luck!!!! |
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christie
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no
try applying for gov't insurance depending on his yearly pay - they may have programs to cover him. |
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ray_sword_jr
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As for your son's age he is on his own. You state he works on cars to make money. Now the question that needs to be asked is "Is he working on cars on your property?" If so, you, as owner of the property, are responsible for whatever happens on that property. This can get ugly if your son gets hurt on your property while working on the vehicles. Or if a vehicle gets damaged while in his care of doing repair work. The vehicle owner can show th car was on your property and that makes you liable.
Also, you need to know zoning laws of your neighborhood and be sure he is not violating any of those laws (such as mechanical business/shop in a residential district not being allowed). Fines can be imposed on any violations and placed as liens on your property if not paid promptly.
My advice is for your son to become A.S.E. Certified if he isn't and start working legit in a shop, get benefits and save to open his own shop one day. A.S.E. Certification can be done in less than a year in a tech school and he can get financial aide to fund the schooling and some living expenses. Tech school councelors will guide him through the entire process.
This would be the best course of action so you do not become liable and risk your home. |
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Mark V
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The best thing he can do is get his own health insurance. Blue Cross or Blue shield are good HMO's, but the cost could be restrictive.
At a minumum, he should get Major Medical Insurance. That would cover him for major emergencies that require hosptial stays, etc. The downside, is that there is usually a $3K to $5K out of pocket minimum he needs to meet first. My brother has this since his company doesn't provide health insurance. We made him get it!
You can always tap into your homes equity, if you have some, but you still need to demonstrate that you can make the payments.
I was in a bad car accident in December. So far, medical costs are around $50K, but my insurance company has pre-set negotiated costs...so they paid around $25K. My out of pocket has been minimal. If I wasn't insured, I'd be liable for the $50K. Some hopitals have programs that help out financially, but it won't cover all the costs.
I'd rather be faced with paying $5K than $50K. If he lived in my home, I'd require him to get major medical, at least. |
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teah47
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He's an adult. He is responsible. The only way I believe you may be responsible is if he is on your health insurance still. And the only way that would still be possible is if he was still in school.. |
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sam i am
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its called tough love make him get off the couch stop playing video games & face the real world there are millions of jobs out there. IF he wants to work !!!! he is responsible for his own bills he is over 18 STOP BUYING HIM THINGS LET HIM DO WITHOUT UNLESS HE BUYS IT |
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mak
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No you would not be responsible. Even though he lives with you it would be up to him to pay any kind of medical expenses for himself. |
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