Question regarding insurance coverage?
First does anyone know if "dental insurance coverage" for divorced kids a requirement or highly recommended by the court?
Here is the background
SS15 ALWAYS had dental insurance Through BM's work. DH and BM Equally split the cost. Well BM changed jobs and either the new job does not have dental insurance or BM Chose not to get it. Now we knew BM changed jobs last winter BUT she never told us she no longer has dental insurance for SS. We only just now found out there is no dental insurance for SS.
Now DH has great dental insurance and so do I and would be happy to put SS on our insurance but BM refuses. What reasons could BM possibly have to want to split the cost of uncovered dental bills rather than use DH insurance? Also more important do you think the family court would react/side with this?
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Does BM have control over all
Does BM have control over all medical decisions? I don't honestly see how she can "refuse" to want to allow him to be covered by dental insurance.. what is her reason?
I would also look at your DH's CO to see whether medical insurance was spelled out to include dental or not.. and you could see if there is any precedent in your state for it to be required.
My assumption is that if you went to court.. that they would agree that dental insurance would be iimportant and that they would be fine with your DH providing it if BM could not any longer.. and the same terms on splitting "uncovered" costs would apply to her in those cases.
Exactly! I always feel she’s up to something sneaky but what?
BM has control over medical BUT DH is required to split all uncovered costs. I don't see even if legally BM controls medical the family court would side with her for no dental insurance. Dental bills can be Outrageous non Necessary expense so why would the court side with her since DH is required to pay half? I just looking for feedback from everyone. Also I have NO clue why she refuses.
Why let her control and
Why let her control and decide this? Add the kid and give the dentist the updated insurance info. It's like if DH were to add SS to car insurance, she can't stop him, and the kid gets a card and is covered.
Ok next question
If DH went ahead and put SS on his insurance how do we get BM to split the year cost of having SS on our insurance? BM is not just going to hand over her share.
If she was not required to
If she was not required to cover dental.. then there is probably NO way you would get reimbursement for the dental premiums that your DH pays. Besides.. how much could it possibly be more a month.. 10-20 bucks difference between his cost now and adding her? He wants to "nickel and dime" it by asking for 5-10 bucks a month?
Having her on dental insurance is a benefit to HIM.. his half of uncovered costs is very likely to save him more than that.
Maybe if he offered to put her on his insurance "at his cost" and just split any uncovered expenses BM would be less resistance.
Getting reimbursement is not a hill to die on here... not for the premiums.
Probably not, but honestly it
Probably not, but honestly it would be cheaper for him in the long run. We carried Spawn on our insurance and never got support from Meth Mouth, for us it was piece of mind knowing we had Spawn covered and wouldn't have to pay a fortune for medical or dental.
My dental insurance is a
My dental insurance is a family plan that costs me roughly $25 per paycheck, so $650 a year. That's a cost I'm willing to allow household funds to eat to not have to take BM back to court, deal with her BS, etc. Unless you and DH are going to go broke because BM isn't paying half, I'd honestly just pay it and not ask for reimbursement. It's not fair, but it's also likely not to get rectified without dragging BM back to court (if she won't pay willingly).
ETA: Talk to the insurance company. Even if BM doesn't use it at the appointment, your DH should be able to file it after the fact for reimbursement. That may be the way he gets his "half" back, or at least limits how much his half will cost.
Ask bm WHY she does NOT want
Ask bm WHY she does NOT want her child covered.
Write her answer down word for word
This should be a doozy
Get it on tape or in a text
Get her reasons on a tape/ voicemail or a text and print it out for the lawyer.
I think if she refuses to
I think if she refuses to agree to dental insurance, you should get something added to the agreement that your DH is only liable for his portion of the cost of procedures with the dental insurance. That is figure out how much he would have paid for the procedure if the child was covered and he pays half of that cost, not half of the full cost...and BM has to cover the difference.
Is SS's dentist in your DH's
Is SS's dentist in your DH's dental plan? If he/she is, I can't think of any reason for BM to object to him adding SS to his insurance, other than not wanting to pay half of the premiums. If SS would have to switch dentists, I can see her objection.
you can still go to an out of
you can still go to an out of network dentist.. it just usually is less reimbursement..