Am I liable for medical bills in collections from services received as a minor?

Question

I received medical services, including birth control injections and annual checkups, while I was covered by my stepfather's insurance (Anthem Blue Cross Blue Shield) and under the age of 18. These bills are now in collections. I've contacted the collections agency once to request removal, citing I was a minor. Am I responsible for paying these medical bills?

James L. Arrasmith · Answer

You're right to question whether you're truly responsible for these medical bills. In most cases, minors are not legally responsible for contracts, including medical billing agreements, because they do not have the legal capacity to enter binding contracts. That responsibility typically falls to a parent or guardian, especially when the services were provided under their insurance plan, like your stepfather's. 
 
If you were under 18 when the services were provided and you did not sign any financial responsibility agreement, you should not be held liable. When you contacted the collections agency, it was a good step. Be sure to follow up in writing, clearly stating that you were a minor at the time of service and requesting removal from collections. Include the dates of service, your date of birth, and any proof of age at the time. Keep a copy of everything you send and ask for written confirmation. 
 
You don’t deserve to carry the burden of debt for care received as a minor under someone else’s insurance. If the collections agency continues to pursue you, you have the right to dispute the debt and report any harassment to consumer protection agencies. Your voice matters, and it's okay to stand up for yourself in situations like this.

Q: Am I liable for medical bills in collections from services received as a minor?