Life and Health Insurance Policies

Can my son be covered under his father's girlfriends health insurance?

I was just notified by my sons father that his current girlfriend would be covering my son under her health insurance policy through her workplace. It was stipulated through the courts that he was to supply coverage. I don't believe that she should even be able to cover my son, I am the custodial parent so its not like she can claim that he lives with them.

Public Comments

1. I don't think her health insurance policy can provide coverage for your son because they are not related and because they don't live together. Ask for a letter from her employer's human resource department saying that your son is covered.
2. It would be the exception rather than the rule if the girlfriend can cover your son under her policy. Very few policies in very few states will even allow a domestic partner be covered, let alone a child that is not related nor lives with her.
3. She can't, legally. He's not her dependent. Unless the father married this chickipoo, the employer's insurer won't allow the child to be added. I mean, hey, she could add a dozen kids to the plan, none of whom are related to her, otherwise! Can't be done.
4. The only relevant questions here are whether the child is covered and what exactly is covered. Demand a copy of the insurance contract, including full contact information of ins rep, then peruse with a fine-tooth comb. You'll need some assurance that GF, bless her, was indeed authorized to include your son. It may well be that GF's plan is bigger and better than dad's, that the company is in fact able to meet its payment obligations beyond next Wednesday. Really, that's all you need to know. Insurance is basically Contract Law 101.
5. You're probably going to get screwed on this. It would be highly unusual that the father's girlfriend's insurance would allow her to cover your son, especially considering that he doesn't live with her. If they get caught deceiving/defrauding her employer and the insurance company, your son's medical coverage can be retroactively terminated. When a policy is retroactively terminated, its as though the person was never on the policy to begin with. The insurance company will take back all money paid to doctors and hospitals. The doctors and hospitals will then come after you for the money, since you are the custodial parent. Your son's father is not meeting his court order by doing this, and if I were in your shoes I'd contact my attorney for advice immediately. P.S. I have worked doing dependent eligibility audits, and have busted people who try to get away with this sort of thing before. And it becomes very messy for the family down the road.
6. It's possible, but not probable. Domestic partnership rules are different company to company so the getting a letter from the HR department acknowledging that they understand that it's her domestic partner's child is a good idea. You don't want a large claim to find out that it's going to be denied because they failed to mention that on the application.
7. YOu are not the only one,I have met this type of problem before.I have good experience here http://www.HealthInsuranceFreeTips.info/free-health-insurance.htm to solve the problem though.
8. If you find the girlfriend's plan unacceptable, either you or your ex may want to check this out (assuming your son is school age). United Healthcare offers "kids only" health insurance plans that provide children's coverage for sickness and accidents. Their plans are written through school districts and many private K12 schools throughout the US. Their health plan is designed to be affordable, at just $98 every 2 months. Check out www.k12studentinsurance.com to see if your child's school district (or private school) is participating. Click on the "Plans & Pricing" tab, enter the district name or private school name and the state in the search box and review the plans. If you don’t find your child’s school district, call UnitedHealthcare StudentResources at 888-282-5957 to see about adding it.