Insurance Question
I am up way earlier than normal for a Sunday. DH and I weren't even suppose to get SS4 until today at noon, but BM hit up DH in a text and said we could have him all weekend, because she didn't have anything planned for easter anyway.
SS woke us up at 6 this morning claiming he has an ear ache. Right now, he is acting completley fine, and I am starting to think this was a ploy to get us out of bed so he could get into his Easter basket. Anyway, BM is the insurance holder to SS. She refuses to give us a copy of his insurance card, stating that if anything is wrong, we can call her and she can come to the resuce. Does anyone know if she can refuse us this? She and DH have joint legal custody. That to me means that he is not only permitted, but it is ordered by the CO that DH is to have this information.
I can add SS to my insurance during my open enrollment, which is coming up, but we only have him EOWE. I don't see why I should have to pay extra money out of my pay check, when this kid has insurance, BM just refuses to give it to us.
What do you all think? I am going to go grab all the court docs and see what I can find in there. It may be time to revisit the CO in court, but I know DH can't afford that.
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If BM is required to carry
If BM is required to carry insurance then she is also required to provide a card to DH.
My wife is the CP for my SS and he was always covered under my work policy. We always made sure a copy of his card was in his backpack when he went on visitation to SpermLand.
If BM is the one who has historically covered SS under her policy then I would leave it that way if at all possible. The person carrying the insurance is usually the one who has the most significant liability for med costs.
If you know where BM takes your SS to the doc, then take him there and tell them to bill her for the visit. She can pass the bill to you and DH for any payment of your half of uncovered cost.
This worked well for the SpermClan when they would stick us for the bills when they had to take SS to get a rusty fish hook removed from his leg while he was on SpermLand visitation.
That is what I think too.
That is what I think too. But she says that we can just call her. My argument is what if we have him out of town like we did in August. We were a 5 hour drive from her. What would she have done then?
She is an idiot, that is all that I can say. She wants to be in control of everything. DH is getting fed up with her tho. Maybe he will start to call her bluff on shit since I am here backing him up.
If the child is covered under
If the child is covered under her insurance by CO and you know who the insurance is you can always call the insurance company and request a card mailed to you. They may require you to email and/or fax proof that you have a legal right to have the card.
Oh and if you don't know the
Oh and if you don't know the insurance company you can always call her job and ask them who the insurance company is. You don't need to phrase it that she's being a pain in the rear if you don't want to. You can just say you never received your copy of the card and they may help you obtain one.
BM only works part time at
BM only works part time at one of those chain pizza places. I doubt she has insurance through them. I am thinking it is the kind that is provided through the government for all children.
If she is getting state aid
If she is getting state aid you can call them for a duplicate card, be careful though this may tip the scales and cause your DH to have to insure the kid
If she is required by the
If she is required by the Order to carry him and provide the information then she is in Contempt. I suggest a registered letter followed by a Contempt filing.
*This is not legal advice. Please consult an attorney in your jurisdiction.
No problem. We dealt with
No problem. We dealt with this crap for years. Crazy witch had loser skid on her insurance and would never give DH a card. So, we just didn't worry. DH calmly told her that since she would not provide the insurance card, if anything happened to the kid, HER name would be put down at the hospital as the responsible party. Period. Let her have to run and go to the doctor anytime you take him. Who cares? Really. They just want control. Let them have it and then make them drive up to wherever YOU take them, wether they take the insurance or not and put her name on it. Period. End of story.
This is exactly right. We
This is exactly right.
We have always provided insurance for my SS. CS was raised slightly to get the SpermIdiot to participate in insuring the SKid.
We have always made sure that they have a copy of the insurance card when SS is on SpermLand visitation.
On the one occassion they actually took him to the Doc they put us down as the responsible party. Since the insurance is in my name (StepDad) the hospital allowed SpermGrandMa to put my wife and I as the responsible parties.
We battled the hospital for more than a year over this. We kept telling them to bill the SpermClan since they are the ones who contracted with the hospital to treat the Skid while he was visiting them. Each time it showsed up on our credit report we threatened to sue the credit reporting agency and they removed it from our report. When we would get a collections call I would give them SpermGrandMa's number.
Ultimately we paid it and then added it to the $4000.00+ that the SpermIdiot owes us for his half of Skid medical costs not covered by insurance. With penalties and interest over 18yrs he owes us nearly double the actual costs.
We keep sending him a statement periodically with the interest and penalties capitalized and inform them that failure to pay will result in legal action.
My wife, so far, has not pulled the trigger on the law suit.
We keep the claim active by billing regularly. I can't wait to nail their toothless moron asses one last time. }:)
But any way, you can stipulate to a hospital who the responsible party is for treatment to a kid. The party does not have to be present or agree to it.
Which really chaps my ass.
From what DH says, there is
From what DH says, there is nothing in the CO regarding who carries insurance for the child. Apparently, nobody thought it was important. DH has never been asked to pay anything but his CS for the child. I really think this is because BM lives with her parents who pay for everything, so it doesn't matter to her.
We certainly don't want to rock the boat on this one, and end up having to pay for medical costs, when right now DH doesn't have too.
It is a tough situation, but I think we will just follow HWGA's advice. That is what I was telling DH to do anyway. Take SS to the ER, and tell them to bill his mother. I was praying he would do that, then I could ask the dr's about the bruises covering SS's body. They are everywhere. You ask SS what happened, you get "I fell off my bike" or "I fell off my skateboard."
Thanks for all the advice!