If the insurance for the daughter is now in his name, then he is responsible for the payments. None of the personal stuff matters to the insurance company - it’s his policy, therefore, it’s his responsibility. If you turned on the electricity in your name, the electric company wouldn’t bill your neighbor for the cost - they would bill you, because you opened the account.
When you sign up for insurance, you sign a contract agreeing to their charges. Unless they’re not covering a contractually covered service, you are obligated to pay. You can minimize your amounts due by ensuring you ALWAYS take your child to a provider that is networked with your insurance company - CALL YOUR INSURANCE COMPANY because just because a provider accepts your insurance, doesn’t mean they are a networked provider. If they are non-networked, this means they don’t have a contract with the insurance company and they can charge above and beyond what the insurance covers, and you will be responsible for the difference. It’s not bs, it’s the way insurance works. So, choose networked providers, and always call to see if you need an authorization from the insurance company or a referral from your primary care physician before you go to any appointment. That can also make a big difference in what you have to pay.
Now, on to your other question…
His options for financial recourse:
- Pay the co-pays and any overages or deductibles that his insurance charges, and then send the ex a bill for half afterwards, that is his prerogative.
- However, if his daughter is seeing a therapist on his tab, and he doesn’t want her to, because he doesn’t want to be responsible for the charges, then he should call the therapist directly and notify them of the situation. Maybe find a therapist that is networked with your insurance, if this one isn’t.
- Either that, or hold on to the insurance cards and go with the ex to daughter’s appointments, so that he is the one authorizing treatment, instead of her going to appointments without his knowledge or consent, and then being hit with bills later on.
**My husband’s first wife has a tendency to do this… every Christmas she’ll send a 1-inch stack of “bills” from the prior year’s insurance billings, and expect him to shell out $2-$3K in December to finance her Christmas. He did this every year until he married me!!! I used to work in insurance, so I took her bills and matched up all the dr statements with the insurance statements… turns out from her $2300, only $200 was legitimate. She was charging him for the doctor’s statements, plus the insurance payout amounts… and he didn’t know how to match up the statements or interpret them, so he ws paying whatever she asked. Boy, was she pi$$ed, but not because we were stiffing her - because she got “Caught” in her scam. But, what she was doing was totally wrong, and she won’t pull any fast ones again… Also, she was taking the kids to non-networked providers, which meant both she and my husband (they’re supposed to split 50/50 the post-insurance costs) were paying much more than they needed to in co-pays and balance billings. So, when I explained to her that she could save HERSELF money as well, by using networked providers and getting authorizations for specialty providers, she was actually happy…
In your case and in ours, ultimately, this should be about getting healthcare for his daughter, and keeping his credit straight. Don’t worry about what the ex does/doesn’t do financially. Worry about keeping your daughter healthy, and keeping your credit in good standing. Just do what you can to minimize the impact, such as requesting that your husband accompany her to doctor’s appointments to present his card, or at least being notified ahead of time of the appointments, so he can check on the status of the provider.
Another solution: With my children, my nanny takes them to appointments since I’m at work during the day. I call ahead to the doctor’s office, explain the situation, and they fax me the relevant paperwork. I fill it out, and fax it back along with a copy of the kids’ insurance cards, along with a letter stating I authorize Ms. Nanny to take them to the app’t. That way, the doctor’s office has all their information, without the ex ever having the card in her hand. And for emergency treatment such as at a hospital, they will treat in the absence of a card, so long as they receive it during the visit, so don’t let her tell you that she needs the insurance card at all times in case of an emergency. In an emergency, you would be notified anyway and at that time could give them the information. Or, she can give the insurance info and the triage at hospital can call the insurance company to verify coverage is valid until the card is received.