Can you choose whether your ex or your new spouse is covered by your medical insurance?
Well, I will try to keep my personal comments to myself in regards to your future husband continuing to have his ex on his policy. I would suggest you call the Department of Insurance for your state government and pose this question. They can give you all the answers. Be ready to wait and go through a few people when you call but you should be able to get your questions answered. You could also call the insurance company anonymously and ask this question as well.
I have always been under the impression that coverage is only available to those persons that are dependents of the head of household, which is usually determined by income. Now that your husband will be YOUR husband, he becomes the head of household for you and not his ex unless you bring in more income to the household. If you bring in more money, you will be considered "head of household." He may still be required to keep insurance on her, however, if it is court ordered such as part of her alimony (if any was allotted). Legally, I don't think she has right to coverage because she is no longer his dependent because she is no longer his spouse even if by common law. Whether the insurance company will keep coverage will depend on your husband paying for it if they give him an option. If after investigating this you find that she will be cancelled, make sure to tell her. Even if she gets mad over it, she needs to be told that she will be uninsured. It wouldn't be right to cost her money for an expensive procedure or medical stay because she never realized her coverage was cancelled. In fact, I would put this in writing with a copy in your files so that she cannot try to sue for not notifying her of cancellation. This would be a good time, too, to review coverage of the children. Determine who will keep coverage. If she will be paying for coverage, then ask if the insurance company will send cancellation notices to more than one address. That way, if for any reason, she cannot pay for her premiums (non-payment is not always avoidable), your husband can pick up coverage until she can resume.
Once it's your X, they are no longer eligible. So it would be your new spouse. Your x though could get COBRA.
When I answer a question - I like to show you the SOURCE and proof. Here's an excerpt from the Blue Cross CA Individual Brochure
Members who become divorced or who have children's coverage and become overage dependents will be moved to their own policy.
Under federal law a spouse is entitled to coverage on your group health plan for up to 36 months under COBRA. If you keep the spouse on your health plan as a regular dependent after the divorce is final that is considered insurance fraud and prosecutable by the insurer. It is a very serious crime and can, and usually does, result in large financial penalties and felony convictions that include prison time. However, under COBRA that ex has the right to coverage. The only time you would have to pay for it is if it was part of a divorce settlement or ruling by the divorce court that you were responsible for the premiums.
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You would have to sign a waiver on your insurance stating that you have prior coverage. Your application that your employer gives you should have that on it. The above answer …assumes that you have the right to opt out. Here in CA if your employer pays 100% of the premium you can not opt out even if you are eligible for other group coverage. Often the employer will tell you that they pay 100% (and they actually do) but the plan documents will say that they only pay 99%. This would then allow you to decline coverage.
Is it required by law to bill a patients medical insurance for all procedures performed regardless of the medical facilities knowledge of whether or not it a covered procedure by the insurance?
Not that I know of. If the provider isn't billing - then just send the bill in yourself along with a claim form. When you realize that insurance companies hire inexperience…d workers and also that the right hand doesn't know what the left hand is doing, it is easy for the bill to be unpaid. If your provider does not use the right code for the procedure, it can also be overlooked. Before paying any of your hard earned money, try to get to the bottom of the issue. Keep detailed notes of phone calls and the names of the people you talk to. Write letters if you need to, but usually a copy of the bill faxed to a local number at a sympathetic person's advice, works. It may take a few months, but as long as you communicate with everyone, it will work out. If a necessary procedure is denied by the insurance, it may take a letter from you or your doctor to get it approved. Even if you do this after it has been done.
What does unreimbursed medical expenses mean Does it mean not covered by Insurance you get medical bills all the time from the ex you are only to pay per your divorce Items not covered by insurance?
This does mean expenses are not covered by insurance. If this iswhat the divorce decree says, then you are responsible for thesebills.
Major medical insurance covers a variety of services. Some of theseinclude a certain number of regular doctors' checkups annually,dental insurance, as well as prescription med…ication.
If you are the custodial parent and have no health insurance but your new spouse does will your ex-husband's health insurance be primary or secondary?
Answer . The birthday rule is often used to determine which plan is primary and which is secondary. Under this rule, the plan of the parent whose birthday occurs first in t…he calendar year is designated as primary. The date of birth is the determining factor-not the year-so it doesn't matter which spouse is older.. Like most rules, the birthday rule has exceptions:. If both parents share the same birthday, the parent who has been covered by his or her plan longest provides the primary coverage for the children. . If one spouse is currently employed and has health insurance through a current employer, and the other spouse has coverage through a former employer (e.g., through COBRA), the plan belonging to the currently employed spouse would be primary. . In the event of divorce or separation, the plan of the parent with custody generally provides primary coverage. If the custodial parent remarries, the new spouse's coverage becomes secondary. And finally, the non-custodial parent's plan would provide a third layer of insurance protection. This order of payment can be altered by a court-issued divorce decree or by agreement, but the insurance companies must be notified.
If you are covered under medical insurance with the exsiting job and switch jobs while pregnant will the new medical insurance cover you?
Typically yes. HIPAA allows you to be covered for pre-existing conditions if there is no break in insurance coverage. If your prior coverage didn't cover deliveries, the quest…ion may or may not be more complicated. Contact the Insurance Commissioner's office in your state.
You can name anyone as beneficiary.
No. Absent a court order, He is not required to provide your insurance. Bare in mind though, That as a married couple, Common law does make each spouse financially liable for …the others incurred bills so long as you are a married.
If you are covered under your spouses insurance and get a job that provides insurance with no lapse in coverage is any medical condition you have considered pre-existing?
No, most states require that pre-existing conditions be waived when moving from a group policy to a group policy. Pre-existing condition clauses apply when the break in covera…ge is greater than 63 days.
Answer Yes, for a medical reason. This isn't common but the pannus would have to be unusually large to the point that it chafes and repeatedly gets infected.
Yes - if the insurance company will allow it. Some medical insurance companies will not.
Yes, of course you can. You can take your prescription to a diffrerent pharmacy and you don't even have to tell them you have insurance. You can specifically ask that your pha…rmacy doesnt submit your prescription through insurance... but they still might inform them or at least inform the doctor. They do that to make sure you are not getting a controlled substance too soon. But if you are worried about it, just have the doctor call in that medication to a different pharmacy or have them give you the prescription and you take it to any pharmacy you want. When they ask you if you have insurance, so no. Hope that helps. :)
In any state, as soon as the divorce was legally final, the ex-wife does not qualify to be covered by the ex-husband's plan as a spouse. She could continue on the plan under C…OBRA for 36 months.
sure, so long as he/she no longer lives in your household and does not have regular access to your vehicles. You may have to provide evidence of this (utility bill, etc), or i…f they have their own car insurance, proof of coverage will work.
The coverage of medical insurance varies, depending on the company and the plan chosen by the individual. Medical insurance may cover (entirely or partially) annual physical e…xaminations, routine blood work, blood glucose tests, blood pressure and blood cholesterol monitoring, cancer screenings, electrocardiogram and X-rays, if needed, and recommended immunizations.