Insurance question
So Bm randomly text Dh advising him that her new husband is adding Ss6 to his insurance because she lost her medicaid after she got married. Dh currently covers Ss on his insurance thru work and Bm was using Medicaid as the secondary. My question is, if stepdad adds Ss to his insurance plan, who is primary? Does it matter? Do we need to do anything? Being that she lost medicaid, I'm guessing she is having her Dh add Ss to try to avoid a copay but I'm just wondering if we have anything to worry about?
*Also, we're planning on switching to my insurance thru my job in the new year and I plan on covering Ss... Does anyone know if Stepdad covering will affect that?
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My ExH used to carry
My ExH used to carry insurance on the kids. After he had another child with SM he needed to switch to the family plan. SM had cheaper insurance,and dependents was a flat rate rather you had 1 or 10.
She carries my Bios on her insurance, every year she sends me the details on where they can and can't go in and out of network, new cards, and if I have questions she is quick to help me find out the answers.
We do not carry secondary health insurance.
It works good for us.
that sounds a lot like my
that sounds a lot like my insurance thru work which is why we'll be switching in the fall. I can only hope BM will act like a civilized person when that time comes because my insurance is really good.
I'll start with in
I'll start with in California, when there is dual coverage. The carrier determines the primary to be the person who's birthday comes first. Silly I know. For instance my EXH birthday was in July and mine in Sept so his was primary which was a pain in the ass for me because I had the kids all but 4 days a month.....sorry ma'am but your not on the plan....no shit my kids are.....anyway that's how its done here in CA. You don't really need to anything.
Hmm I wonder if it's the same
Hmm I wonder if it's the same here, I'm in NM. That's good to know we don't need to take any action. I just want to avoid as many hiccups as possible.
Well I would make sure you
Well I would make sure you have the info for both plans because the secondary will pick up costs or amounts that are capped under the primary so it is less out of pocket expenses. Make sure all doctors/hospitals have both plan info.
I have blue cross blue
I have blue cross blue shield. I just got a letter in the mail that said mine as step parent would be third after BM then after SO
I see, so maybe they take
I see, so maybe they take into consideration the bioparent. I wonder how that would work once we switch over because Bm doesn't work so she has no insurance and my family plan is better than Dh's.
BM had medicaid too. When
BM had medicaid too. When she got married, they counted her income and his income and the kids no longer qualify for free health insurance. Her husband is auto mechanic so he doesn't have insurance anymore. My situation is like Glassslipper. I pay the same flat rate. I have four children and myself and family coverage is family coverage. So during open enrollment I added SO and his two children. We aren't married but we are certified domestic partners. First time BM tried to use my insurance it was denied. We got a letter in the mail saying they still show that BM has medicaid for the children and if she does then hers is primary and if SO has insurance on them then his is secondary and then mine would count third. So we had to get the letter from medicaid saying she was kicked off when she got married and kiddies too. SO is under my plan
that's what I'm sayin'
that's what I'm sayin' Mairenn!!! When Dh first added Ss to the insurance Bm blew a gasket because office visits carry a 25 copay... She said Dh should be able to provide better insurance for Ss because she couldn't afford 25 copay. After that altercation we didn't hear anything else from her. Well at court we found out why. She still had SS on edicaid so they were picking up what our insurance didn't cover. I was disgusted. I understand that some people need help... I get that. HOWEVER, I don't think it should just be your go to insurance if you know what I mean. What do I know, though? ::eye roll::
It baffles me because if Ss lived with us fulltime there would never be any need for any type of public assistance but that is a battle that we cannot afford... shhhh just going to court this last time for joint legal, visitation, taxes and transportation cost us 5k!
At first ours was set by
At first ours was set by birthdays. Then sometime down the line, they decided that the bio should be primary and SM's should be secondary. I had BCBS