Tripping over herself
I love watching BM backpeddle so fast. I wrote about how she DEMANDED SO start carrying insurance. Now I think she's afaird he will.
Back when they did the divorce it was decided what he had avilable was so bad he shouldn't have to provide it and its not any better now. SO handed her the insurance pack with all the infromation and the look on her face was priceless. It was amazing how fast she decided stepdad will put the kids on his plan and we'll just cover half of that. It's less than 1/3 the cost of what SO's would be paying and it's 10 times better. Just the deductable alone is insane. SO's plan deductable is in the THOUSANDS per individual. Step dad's plan is less than 1000 per person.
Stepdad works for a much larger company that can offer much better options where SO is still considered contract and they only provide insurance becuase they are legally required to. We'll get the bare minimum for SO because it's better than nothing but if the kids were on this the out of pocket cost would cripple both houses plus his child support would drop and BM isn't going to give up that easy money.
What I also love is stepdad actally does what he's supposed to do. I know BM has told him all sorts of lies about how SO refuses to cover his part of bills and as we've both explained muitple times it's becuase BM refuses to provide reciepts or complete infromation. We've made it clear the only reason BM wasn't reciving money for the past insurance is because she refused to give us the plan infromation. She kept crying about how she's paying X amount per week and SO owes her half. Except no he doesn't. He owes half of what the kids cost. Stepdad sent the plan packet in full with a break down of cost as we've requested from BM mutiple times every year.
Now if stepdad can just get BM to stop playing around with medical bills they might get that money too.
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Comments
My DH has pretty crummy
My DH has pretty crummy insurance. I have my own and our kids are on mine as the primary, his as secondary. If there is anything mine won't cover his will pick it up, so far this hasn't come up.
BM insisted that they both have insurance for SD (make sense) but BM always has DHs as primary even though hers is better. So it's always a battle because his won't cover as much as hers. So it's always a stressful situation because she won't use hers as the primary so she always has to submit an extra claim. But to her this is her way of making him pay. He'd have the insurance anyway, she just makes more hassle for herself.
Can BM make hers primary?
Can BM make hers primary? Here, they have a rule that must be followed. if children are double insured, the insurance of the parent whose birthday is first in the year is primary.
That seems like a silly and
That seems like a silly and arbitrary rule. And my kids are double insured but this birthday rule has never applied. I guess it depends on the provider.
I misspoke.
I misspoke. I gave the rule we followed, but at the time it was for our biological kids only. There's a different rule here if the parents are divorced or separated.
Divorced or separated parents: The health plan of the parent with custody will be considered primary, and if the parents have joint custody, the birthday rule is generally used. But if there’s a court order requiring one parent to provide coverage, then that parent’s plan will be primary.
Here there are lots of rules/ regulations if there is double coverage. They may seem silly or arbitrary (and they are arbitrary in my opinion), but they are there and the insurance companies follow them. If there is a rule where the OP lives, it has to be followed.
Yep...unless there is a court
Yep...unless there is a court order staying who provides insurance...this is how insurance companies do it.