insurance issues

[VeronicaGia]

WOW! and just think what your share of uninsured costs would be if he did not have insurance!!!

goes both ways, ya know?

oh and I forgot, if after dad pays his half your insurance cuts you a check for it, (your half PLUS some or all of his) you are commiting fraud against the ins. company...

Yep, and that won't make a judge too happy either. Double dipping....

 

[Whyte Noise]

The decree says that we split the cost of what is left after his insurance company pays. It doesn't address the issue of my secondary coverage. Again, I don't see why the fact that I pay for extra coverage (to reduce my share of insurance costs) should effect his responsibility to pay what is left after his (legally required) coverage pays! If it works the way you suggest, I am on my way to Human Resources to cancel . . .

I honestly doubt your decree says that. It's more realistic that it says, "Uninsured medical expenses are to be split (however)".

It's your CHOICE to pay for extra coverage, as YOU don't like the HMO that she's covered on.

Uninsured medical is just that.... UNINSURED medical. If, after the stepmother's insurance and your insurance the final amount left UNPAID by both policies is $25 then you split the $25. You don't "apply" anything from your additional policy to that OOP amount. If you don't file on your insurance and the balance left after her HMO pays is $50, then you split the $50 however your decree states it should be split. No matter if it's $5 or $500, you and he are to split what insurance didn't pay for. Period. You don't get to "apply" what your additional insurance covered as part of your OOP portion. Insurance paid for it already. There's X amount left. That is what you split.

As for if he can DEMAND that you use your insurance to reduce BOTH of your OOP expenses, no. He can't. But if you aren't going to use it, what's the point in paying for it? If you take your daughter out of network (That the SM pays for by the court order) then YOU could be held responsible for 100% of that. The father is following the court order. He has insurance on your daughter. If YOU choose to go through YOUR insurance, or YOUR plans doctors and not his, that's not his problem. It's yours. And you're the one that stated you wanted the "freedom" to go out of the HMO network. That "freedom" can come with a price.

 

[luckymom]

If dad (or rather his wife) didn't have insurance, then she'd be on my policy, which has better coverage in any case. He would have to pay for it then, because in my state NCP's pay for insurance.

As for the fraud accusation, why would I be committing fraud, since the decree says that we split out of pocket expenses based upon his pollicy?

 

[haiku]

If dad (or rather his wife) didn't have insurance, then she'd be on my policy, which has better coverage in any case. He would have to pay for it then, because in my state NCP's pay for insurance.

***UMMM yeah...and the outcome is still the same, why IS it such a big deal that the ex's wife is the policy your child is covered under? DO you realize the cost of ins.?

As for the fraud accusation, why would I be committing fraud, since the decree says that we split out of pocket expenses based upon his pollicy?

** Im entioned fraud in case you were being reimbursed AFTER paying the doctor bill. i have seen it happen and wanted to point it out, if not for you, for others reading the thread, as I have seen this happen to people.****

 

[luckymom]

There is actually no extra cost to him, because she has "family coverage" that covers ex and her children as well as my daughter. This is why he wanted her on that HMO, rather than my PPO.

As for the question of whether I know how much insurnace costs, well, obviously I do, since I am paying for my daughter and myself.

As for why this is a big deal, do you read much about health care issues? Obviously, I want the best health care I can provide for my child. I really prefer however not to have lazy unemployed ex benefit from my hardwork and financial largesse.

 

[haiku]

There is actually no extra cost to him, because she has "family coverage" that covers ex and her children as well as my daughter. This is why he wanted her on that HMO, rather than my PPO.

****Umm HELLO, yes there IS cost to him, that is his WIFE and it IS HIS family coverage, and your daughter is HIS family.***

As for the question of whether I know how much insurnace costs, well, obviously I do, since I am paying for my daughter and myself.

As for why this is a big deal, do you read much about health care issues? Obviously, I want the best health care I can provide for my child. I really prefer however not to have lazy unemployed ex benefit from my hardwork and financial largesse.

***get over it, as long as your child gets her support and her healthcare coverage, it should not matter to you how he gets it to you, as long as its PAID. Seriously save your battle for bigger fish to fry.....****

 

[WyattJ]

As for why this is a big deal, do you read much about health care issues? Obviously, I want the best health care I can provide for my child. I really prefer however not to have lazy unemployed ex benefit from my hardwork and financial largesse.

Like you were told before you are lucky that your child has insurance from both parents. My son was turned away for a recent dentist trip because I (CP) didn't have daddy's insurance card. I had the receptionist write a letter to dad telling him that they needed his insurance or they wouldn't do the work on my son. NOW BE LUCKY you don't have to look stupid and have your child turned away.
**As for my other post about a dentist bill - that occured a year ago. What I am talking about now is just a month ago with a new dentist.