Health Insurance Options

iVillage Member
Registered: 02-23-2010
Health Insurance Options
9
Fri, 09-24-2010 - 4:46pm

CO states that parents are to share all medical costs - including insurance premiums 50/50.

iVillage Member
Registered: 11-26-2007
Fri, 09-24-2010 - 4:53pm

<<>>

It seems according to the CO that both parents could insist on their insurance coverage and then a petition to the courts would have to be made for a QRDO. ((what the heck is that??))

But does it say who does the petitioning? Both parents could cover the kids and bill the other parent 50% of the premium. That could get interesting.

I would think the bio parents would look at the actual coverage and cost to make a determination. And coverage would be WAY more important to me than cost. For example, my hubs can cover his kids for 100 less a month then my insurance. But my insurance pays 100% of med bills, no deductible, no limits. His pays 80% with deductible and limits. This is a no brainer. The 100 bucks a month is well worth the better insurance coverage.

brc

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iVillage Member
Registered: 02-08-2010
Fri, 09-24-2010 - 4:56pm

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New baby or not... sounds like he'll still pay whatever he already pays so why not just let BM switch the kids over to hers? Leaving her out of pocket for the sake of giving baby a plan and keeping the kids on BD's doesn't exactly help the older ones.

Suppose he can always propose to split it 3 ways (assuming they share 2 kids, can't remember) and BD covers 50% of his kids' portions.

Then again, just let her switch and continue paying what he's paying. It might not be 'fair' but at least nothing's really changing on his end.

iVillage Member
Registered: 09-13-2009
Fri, 09-24-2010 - 4:57pm

ARGGG if insurance were that simple.



My X and I are at least able to compare policies on a purely economic basis.



But unless the DH has some objective reason, if it wont cost any more money to put the joint child on BMs family policy, I dont see why that is not the right answer, and then BM should not have to pay any more $.

A Stepparent is as much a parent as an ex-wife is a wife.
iVillage Member
Registered: 03-26-2003
Fri, 09-24-2010 - 5:04pm

"My X and I are at least able to compare policies on a purely economic basis."

How? I mean, my crystal ball is busted. We can compare cost of premiums just fine but then you start to factor in co-pays (mine are much lower) and prescription coverage (his is much better) and the uncertainty of how often kids will go to the doc or what (if any) meds they will need and suddenly we're back to a crap shoot. And that's without factoring in if either of us had other dependents to carry!

In the OP's case, it seems reasonable to let BM cover all kids but there are a whole variety of factors that would change my mind that weren't specifically addressed. (PS: You can get around open enrollment in these cases.)

















iVillage Member
Registered: 02-23-2010
Fri, 09-24-2010 - 5:19pm

Ok...more details I should have included in the OP...sorry :)



BM's insurance is a bit more expensive...but the coverage is WAY better.

iVillage Member
Registered: 09-18-2006
Fri, 09-24-2010 - 5:33pm
"Ok...more details I should have included in the OP...sorry :)

BM's insurance is a bit more expensive...but the coverage is WAY better.



funny pictures of cats with captions
iVillage Member
Registered: 02-23-2010
Fri, 09-24-2010 - 5:37pm
BD's is a PPO with a $1000 deductible.
iVillage Member
Registered: 01-20-2010
Fri, 09-24-2010 - 6:02pm

Do the cost of it annually one vs the other and show him. In the long run I imagine the HMO will be cheaper than the PPO. Assume you will be using the full deductible etc.

They switched us from HMO to PPO and I was freaked, the annual cost if we were hospitalized was a lot more than the other plan. They just switched it back after everyone freaked out. Plus as you said the HMO you get better services and mainly because you actually use them rather than not to keep your payments down.

iVillage Member
Registered: 11-26-2007
Fri, 09-24-2010 - 6:17pm

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This is how my insurance compares to my husbands. You would have to be a fool to not choose my 100% coverage, no deductible, no limits insurance. ((caveat for extraordinary services...which would still more than likely be covered by my insurance.))

If I were BM in this situation, I would enroll my children in my insurance, tell BD I was done paying 50% of his premiums, and let him know that I am willing for him to take it to court because I am confident that the differences in insurance coverage will make it obvious that mine is the best choice for the children.

What will BM be charging BD for the insurance? Is he responsible for 1/2 the cost of the difference between family and single coverage?

brc

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