ke109
New
Reged: 12/10/07
Posts: 3
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My ex-husband recently switched jobs and denied his health insurance coverage. He opted instead to have his wife cover he and our two children. They work for the same company, but different branches. BC/BS of Alabama told me that a step-parent can not cover a step-child that does not live with them, but it might be allowed because they work for the same company. Seems to me though that since my ex is responsible legally to provide coverage, that it should be in his name. It has me concerned since I know their marriage is rocky. Does anyone have any knowledge of this issue? Thank you!
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Samsung
Platinum
Reged: 06/14/07
Posts: 1874
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Is he court ordered to have the children covered? If so, he has fulfilled what is necessary, and there would be nothing you could do about it.
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ke109
New
Reged: 12/10/07
Posts: 3
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Thank you for the response....Yes, it is in the legal documents that he must cover the children. It really isn't a problem for me that his wife covers them. I became concerned when BC told me that she could not as a step parent put them on her insurance unless they lived with them. (i am custodial parent)I don't want them to have a lapse in coverage. And because I take them to the doctors the bills come to me as the "responsible party". I can not afford to pay for a doctor bill and then have to go after their father for repayment....Its all just a worry right now I guess. Just becoming strange though because his child support comes in her name, the insurance is in her name...but I know that he works and has a good job. Not really sure whats going on. May be just a very controlling wife this time around!LOL
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gigi
Platinum
Reged: 11/06/06
Posts: 4253
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If you have insurance cards for them then he's done what he has to do. Don't worry about the stability of thier marriage, she can't delete people from coverage if she gets angry at him... it has to be during the election period or it has to be a "qualifying event" such as death of a beneficiary, divorce or marriage, before she can change her coverage. and in that time, he would be allowed to get himself & them covered under his own eligibility with that employer, or if he's no longer employed by that employer, he'd be offered COBRA. It's his own stupid decision to go that route if his marriage really is rocky, so the costs of his buying insurance for his kids through COBRA would be his own stupid fault.
IF that happened that they separated, then you'd have to deal with making certain he kept them covered, because COBRA would not be sending teh notices to you... but that's not an issue at this point, so leave sleeping dogs lie. Truly, it might be cheaper for her to cover them, depending on how their employer handles the insurance issues... and as long as it's the smae as he'd have gotten, who cares if he took it or declined it?
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ke109
New
Reged: 12/10/07
Posts: 3
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New set of problems with my children's insurance. There stepmother has changed jobs now and is covering the children and their father again under her policy. Now I'm getting notices from their physicians of the insurance not paying. The insurance companies are asking for our divorce decree as well. My ex says all is fine and they checked on everything. But, my attorney said that it isn't fine and that with the majority of insurances a step parent can not insure step children that do not live with them. I just don't know what the right answer is, but am tired of explaining this over and over to their physicians. My ex will not provide them with any answers, and of course it isn't my insurance so I can't do a thing about looking into it myself.
My only worry is that because I take them to the doctor...I am considered responsible party. So, if the insurance doesn't pay I then have to pay, and then try to fight and get it out of my ex. I really don't want to fight that battle, but who would right?
I'd appreciate any advice.
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