I have a ?. I have an SK19.5 that does not live with us. He lives between his girlfiends and his Aunts. He has graduated and works when he wants to for a couple of farmers. He is covered under our health insurance. Are we responsible for his hospital bill because we carry the insurance? He only has contact with my DH when he wants something. Im worried because he has went to the ER multiple times in the last few weeks for stupid things and we have a very large deductible