sahmof2
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Reged: 08/03/10
Posts: 4
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Insurance Coverage Mess
08/03/10 09:42 AM
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I posted this in the Missouri issues forum before I realized that it gets little traffic so I'm reposting here. Please forgive me as I know you're not supposed to really do that, but I promised a family member I'd try to help. Here's the situation: Divorce decree says ex is to provide health insurance for her child. He has done so for most of the time since divorce (several years). His coverage is always out-of-network for child since the parents live several hours apart. Btw, they have joint custody with my family member being primary residential parent (Child goes to ex during most of summer, some weekends and holidays). My family member has had family coverage with her new husband for several years which also covers her child from previous marriage. Due to birthdate rule, ex's policy would be primary so they just never listed it and used the new husband's policy only. Dumb! What should they do now? Once I pointed out that they were doing it wrong (just went through my own divorce and discovered this), they're panicked. They don't want to keep doing it wrong, but are afraid to just start listing both insurances for fear it will be discovered that the coverage was there in the past and not mentioned. Any suggestions? I don't want to tell them to do something and then have all the costs of the old claims come back to them or even get into something that could cause criminal issues. Should they just consult an attorney first? I'm at a loss of how to help.
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