Who is Responsible for Paying College Students' Medical Bills in Case of Illness?

The responsibility for paying a college student's medical bills in case of sickness can vary based on their status as an independent student or a dependent. Generally, if a student is classified as independent, they are solely responsible for their medical expenses. On the other hand, if the student is a dependent, their parents or guardians would be tasked with covering these costs.

Outbreaks and Campus Health Services

During a respiratory outbreak, such as the major flu episode, students are monitored according to their temperature readings. If a student's temperature is 104°F or higher, they are typically transported to the hospital. For temperatures between 100°F and 104°F, they are sent back to their dorm with appropriate medicine and instructions. Temperatures below 100°F usually mean the student is placed in the campus infirmary.

For minor physical therapy needs, smaller colleges often rely on local resources while larger institutions have their own small physical therapy offices in the gym. In case of an injury on campus or at a sponsored activity, students may be treated in the infirmary or even taken to a nearby hospital depending on the severity of the injury.

Health Insurance and Medical Expenses in the US

In the United States, the responsibility for medical expenses typically falls on the student, unless they are considered dependent on their parents. Under the Affordable Care Act, if a student is under the age of 26 and enrolled in college, they can remain on their parents' health insurance. This means they would work with their parents and their insurance company to cover the costs.

Some colleges and universities offer their own health insurance policies to students, but it is the student's responsibility to sign up for these policies if they wish to be covered. Some schools charge a student health fee that may provide access to services at the university's health center or hospital. Regardless, if a student does not secure such coverage, they will be responsible for all medical expenses incurred during their time at college.

Parental Support and Adult Responsibility

While some parents may offer financial assistance to their adult children, it is not their responsibility to pay medical bills for an adult. This support is often given as a teaching tool for young adults to learn how to manage their finances and pay their own bills. It is crucial to make medical payments promptly to avoid negative reports that can impact your credit for many years. Always ensure you are financially responsible and avoid relying on others to cover your medical expenses, as failure to do so could have severe long-term consequences.

For international students or those living in countries with government-sponsored health care systems, different rules apply. Students in these instances should consult their country's health service for specific guidelines and coverage details.