Adult son's medical costs
My son is currently 21 years old. He spent 2.5 years after college working and is now a full time college student. He is now back on my health insurance.
During the 2 1/2 years he worked before going to college he was without health insurance. At first he was able to pay for a state health insurance plan for $100.00 per month. He was not able to keep current with this and lost the benefit. He obtained employment at a restaurant where in three months he would be eligible for their health care. His hours kept getting cut and the amount of time he needed to work in order to get on their health care plan kept getting extended. When he threatened to quit, he was told if he stayed they'd put him on insurance. He stayed but that promise wasn't kept. He left and started school this winter. He currently is unemployed and a full time, resident student living on campus. He is paying for school via loans.
Our question: while not on health care he was sent for diagnostic testing and acquired a debt. He recently received a letter from a debt collector indicating that he is to pay the total. What do you suggest we do? What would be the best course to respond to this summons?
My husband and I are in a five year pay back bankruptcy and unfortunately there is nothing allowed in our budget for savings or emergencies. We are unable to assist him.
Thanks for any assistance you can provide.