DadneedshelpOK
Junior Member
What is the name of your state (only U.S. law)? Oklahoma
I am the non-custodial parent and have some questions about private health insurance. I recently could provide health insurance through my employer to my child. She is on Medicare (SoonerCare) and now my insurance will be the primary insurance and Soonercare will be secondary. My insurance plan is a high deductible policy. My ex has been taking our child to see a speech pathologist for several months. SoonerCare picked up the bill for a few months and then the doctor made special payment arrangements ($60 sessions lowered to only $3 each) with my ex to be able to continue getting therapy. I have been paying for half, which has been no problem as they are so inexpensive. My ex just informed me that the doctor would now be billing my insurance for the therapy. So I have some questions
1. My insurance won't pay anything until the deductible is met ($3000). Since the child is on Soonercare, will they pay the charges? Even the deductible? What if Soonercare says that the therapy is not medically necessary (which they covered our child at first so I don't know if they will say this or not)
2. If Soonercare will not pay then I have questions about the billing. My ex is terrible with money and I don't really want the bills coming to me and her having to reimburse me for payments. I would rather her be responsible for paying and then I pay her. I have read that since I never signed a consent to treatment agreement then I can force my insurance to bill her and not me under the Fair Credit Act. Is this true? If not, is there a way for the bills to go to her and not me.
The therapy has been very beneficial to our child and I want them to continue. My issue is not having to pay, my issue is that dealing with my ex is very difficult when it comes to money. I have to be very calculated and deliberate when approaching her with anything. I am trying to get all my ducks in a row and get a feel for what the process is for these types of matters. Thanks for any help, feel free to ask me any questions, and I may have follow up questions....
I am the non-custodial parent and have some questions about private health insurance. I recently could provide health insurance through my employer to my child. She is on Medicare (SoonerCare) and now my insurance will be the primary insurance and Soonercare will be secondary. My insurance plan is a high deductible policy. My ex has been taking our child to see a speech pathologist for several months. SoonerCare picked up the bill for a few months and then the doctor made special payment arrangements ($60 sessions lowered to only $3 each) with my ex to be able to continue getting therapy. I have been paying for half, which has been no problem as they are so inexpensive. My ex just informed me that the doctor would now be billing my insurance for the therapy. So I have some questions
1. My insurance won't pay anything until the deductible is met ($3000). Since the child is on Soonercare, will they pay the charges? Even the deductible? What if Soonercare says that the therapy is not medically necessary (which they covered our child at first so I don't know if they will say this or not)
2. If Soonercare will not pay then I have questions about the billing. My ex is terrible with money and I don't really want the bills coming to me and her having to reimburse me for payments. I would rather her be responsible for paying and then I pay her. I have read that since I never signed a consent to treatment agreement then I can force my insurance to bill her and not me under the Fair Credit Act. Is this true? If not, is there a way for the bills to go to her and not me.
The therapy has been very beneficial to our child and I want them to continue. My issue is not having to pay, my issue is that dealing with my ex is very difficult when it comes to money. I have to be very calculated and deliberate when approaching her with anything. I am trying to get all my ducks in a row and get a feel for what the process is for these types of matters. Thanks for any help, feel free to ask me any questions, and I may have follow up questions....