Dropping Healthcare
Hi this is my first post and I would like some other perspectives.
I've been lurking and learning the jargon but bare with me if I screw up.
Without building you a clock to tell you the time - DH has joint custody and a very HCBM. She's pushed and caused so much heartache and damage it isn't funny.
For some of you in similar positions where the other parent has caused deep rifts, and you want to cut ties to protect your sanity/financial well-being/heart until the kid is(if ever) mature enough to come around do you think it's wrong for me to suggest dropping the healthcare coverage once SK ages out (18 and graduating in our state) . There has been misuse and lies and financial fraud already so it isn't an out of the blue idea.
Ask me anything if I didn't come across correctly.
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You will have to check with
You will have to check with HR at work (assuming it thru work) to see what their rules are. In my situation, DH worked for the state and they wanted proof of coverage e from skids before they would drop them. His were estranged so that wasn't going to happen. DH retired and then they came up off, rules for retirement stated coverage was for him , me and our daughter we can still claim on taxes. (She's 13). I'll be honest it pissed me off to no end because the skids were estranged. We also told them all that once they were 18, all co-pays and charges were their responsibility. They were lucky to have the insurance in the first place (free). I get you wanting him off. Especially if there is any chance of screwing you over.
I assumed at open enrollment
I assumed at open enrollment just not reenrolling once he's aged out? He wouldn't need anything at least in my head but thank you - good idea to check.
I agree with verifying with
I agree with verifying with your insurance company but we have full intentions on dropping my SS at 18 after graduation. He doesn't want anything to do with DH. He can figure it out.
Yes exactly! It feels like BM
Yes exactly! It feels like BM and Skid should have some repercussions (as petty as that may sound) for their exclusion of DH at every turn.
Unless his CO requires him to
Unless his CO requires him to carry them after 18.. you can certainly drop them. I kept my SD's on my policy until OSD got pregnant and married a guy with insurance and the younger SD got a job with free full coverage after HS.. I would have kept them on the plan otherwise until they were 26... it wasn't that much more per month.. and cheaper than if they had had to go get a policy individually if they hadn't had the options they did have. They used it.. but paid all their copays and bills.. those don't go back against the policy holder unless they are the responsible party for that medical provider. Honestly.. it actually helped us reach deductibles and made some of our costs go down.. but if there is absolute fraud and you feeel they may jeopardize your policy.. I would drop them if you could.
We had this situation with my
We had this situation with my DH's Spawn. I wanted to drop her when she turned 18 and we had no relationship with her...unfortunately OPM does not allow you to drop a person from your insurance until they are 26, does not matter if they are 18, married, in the military, and have their own coverage. We started getting bills from doctors’ offices saying we owed them money, legally we didn't since Spawn was 18 and we did not sign anything showing we approved services, but it sucked they were contacting us and harassing us. We were able to remove her by changing our policy, but as we were told if OPM saw that we had dropped her we would have to add her back, thankfully they didn’t notice.
Heck I dropped the SDs at one
Heck I dropped the SDs at one of my open enrollment periods when they were in middle school. I had taken it on as DH was briefly out of work and then his new job had poor coverage. My plan is affordable and very good.
The agreement was for BM and DH to pay me back $35 each for their monthly premium I paid. OMG. Every month I had to ask them. BM would skip months. No thank you or anything. $35 and premium coverage!!
So I informed DH no more. I was not a donor. I was tired of BMs entitlement (gee wonder where the SDs get it from), and then I found out BM was the names insurer in the CO. Oh bam, done.
You can remove them during
You can remove them during open enrollment. They will recieve a COBRA packet in the mail, so if they still need insurance they can elect COBRA or their mom can cover them under her policy.