Deductible

[424Smudge]

If a parent is ordered to provide medical insurance and the plan that they chos includes a yearly deductible of $100 is that parent also required to pay the deductible? Or is that split 50/50?

 

[NotSoNew]

depends on if your order says all uncovered medical is 50/50 if so then yes, the 100 deductible would be split 50/50 too.

 

[424Smudge]

The insurance company is stating that this is part of the money that is owed to the insurance company for them providing coverage. The father makes over 100k a year and there is no reason why he cannot simply pay a higher monthly amount and remove the deductible.

 

[NotSoNew]

The insurance company is stating that this is part of the money that is owed to the insurance company for them providing coverage. The father makes over 100k a year and there is no reason why he cannot simply pay a higher monthly amount and remove the deductible.

some insurance companies dont offer that.

 

[AmarieNorton]

The insurance company is stating that this is part of the money that is owed to the insurance company for them providing coverage. The father makes over 100k a year and there is no reason why he cannot simply pay a higher monthly amount and remove the deductible.

Is a $100 deductible really that big of a deal? Even if you split it 50/50 you'll only have to pay $50. Let's say that he did have option to pay more monthly for no deductible - why should he pay more monthly (or biweekly or whatever) just to avoid paying $50 (each) of the deductible?

 

[424Smudge]

this isn't for me so I don't know but a good reason would be because mom is a waitress and dad is a VP at large company. $100 for him is 2 minutes of work but for her it can be 4 or 5 if it is a bad week. On top of that she pays over 800 in Child support.

 

[betterthanher]

this isn't for me so I don't know but a good reason would be because mom is a waitress and dad is a VP at large company. $100 for him is 2 minutes of work but for her it can be 4 or 5 if it is a bad week. On top of that she pays over 800 in Child support.

Who's fault is it that mom is a waitress??

 

[betterthanher]

The insurance company is stating that this is part of the money that is owed to the insurance company for them providing coverage. The father makes over 100k a year and there is no reason why he cannot simply pay a higher monthly amount and remove the deductible.

Deductibles are standard (i.e. when you go to the emergency room, there is a deductible to pay, usually 50 or 100 dollars, then whatever isn't covered by insurance.)

 

[424Smudge]

Who's fault is it that mom is a waitress??

WOW that was rude, I am a waitress to, does that make it my fault? No, it means that I am attending college and this is a good job that fits into my hours. If you married a man that made that much a year and didn't work for a few years while you stayed at home raising your 3 children I would have to say that it was nobody's fault but IT WAS a decision that you and your husband made together. There is no fault, being a waitress can be a decent paying job at times and other times maybe not so much. From what I understand this is a deductible but if not let me know.... the way the insurace company explained it was that dad has to pay them $100 a year in this fee which is charged a certain amount for the first few months and then he isn't charged it anymore for the rest of the year. I am not talking about a co-pay because she has been paying that. She doesn't know if she is supposed to pay this yearly fee part.

 

[ceara19]

WOW that was rude, I am a waitress to, does that make it my fault? No, it means that I am attending college and this is a good job that fits into my hours. If you married a man that made that much a year and didn't work for a few years while you stayed at home raising your 3 children I would have to say that it was nobody's fault but IT WAS a decision that you and your husband made together. There is no fault, being a waitress can be a decent paying job at times and other times maybe not so much. From what I understand this is a deductible but if not let me know.... the way the insurace company explained it was that dad has to pay them $100 a year in this fee which is charged a certain amount for the first few months and then he isn't charged it anymore for the rest of the year. I am not talking about a co-pay because she has been paying that. She doesn't know if she is supposed to pay this yearly fee part.

If the Court Order states that any uncovered medical expenses are to be split 50/50, then mom IS responsible for just that. That includes the deductable and any co-pays. If mom is the NCP, she should just consider herself lucky that she is not responsible for the cost of the insurance. How much each parent makes, is irrelevent to the issue at hand.

 

[tigger22472]

Not to mention that a YEARLY deductible of 100$ is NOTHING compared to most policies I have seen. Dad is only required (if ordered) to provide insurance that is reasonable and if mom's complaining she should really not because if he's providing insurance and she's only at MOST, even if she had to cover all unpaid, stuck with the 100$ she's best to keep her mouth shut.