Are parents liable for hospital bills when an adult child is on access and pay?

It depends on the specific healthcare contract between the insurance company and the policyholder, as well as state and federal laws and regulations. In some cases, parents may be liable for the full cost of the hospital bills if they are the primary policyholders and their adult child is covered under their health plan. In other cases, if the adult child has their own health insurance plan and is over 18 years of age, they are typically responsible for paying for their hospital bills and related expenses.

It's important to carefully review the healthcare contract, including any terms and conditions, limitations, and exclusions, to determine the extent and responsibilities of the policyholders and their dependents in paying for healthcare expenses.

If there are any uncertainties or disputes regarding liability for healthcare bills, it's advisable to seek legal advice or contact the insurance company for clarification and assistance.