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 HEALTH INSURANCE/CHILD SUPPORT
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| Author | Topic: HEALTH INSURANCE/CHILD SUPPORT |
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SLEEEK7 Member |
posted 03-08-2006 02:18 PM
  
MY EX HUSBAND WENT UNDERGROUND TAKING MY DAUGHTER'S CHILD SUPPORT AND HEALTH INSURANCE WITH HIM. RIGHT NOW I'M CONCERNED MOSTLY ABOUT THE HEALTH INSURANCE BECAUSE I WORK FOR MYSELF AND INSURANCE IS SO EXPENSIVE WHEN YOU AREN'T WORKING FOR A COMPANY. ANYBODY ELSE OUT THERE W/THIS PROBLEM? NO ADS, PLEASE. JUST CHAT AND MAYBE A SUGGESTION OR 2 WOULD BE GREAT. I'M ALSO CURIOUS ABOUT HOW MANY OF US ARE IN THIS SITUATION W/THE INSURANCE. |
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reasmon Member |
posted 03-08-2006 03:23 PM
When I went to court with my daughter's father, the judge decided that since I was going to be the one handling most of the doctor visits, I should be the one who handles the insurance. I was afraid that it was going to be really expensive, but I talked with an insurance agent - they ended up setting my daughter up on an individual plan through Blue Cross Blue Shield. It runs just under $100/month. I didn't think that was too terribly expensive. The explained to me that young healthy people don't usually have to pay too much for insurance. Have you looked into any companies or gotten any quotes? |
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Suzanne Member |
posted 03-08-2006 09:21 PM
SLEEEK7- Is your ex my ex? Seriously though, get your own insurance otherwise you will ALWAYS have a problem. My son was born with 4 heart murmers and my ex canceled the insurance without telling me and I almost didn't get insurance because of pre-existing conditions. My son was almost rushed to emergency when I found out..."I'm sorry Miss your son's insurance was cancelled 6 months ago." WHAT!!!! To me that was endangering my childs life and that's the last time I ever talked with his father.... Of course he jumped state soon after. Go figure huh? Do yourself a favor don't ever be effect of someone else always put yourself in charge and at CAUSE!! You'll be SO Happy and proud that you did. |
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SLEEEK7 Member |
posted 03-09-2006 04:09 AM
Thanks for getting back to me!! Yes, I have spoken w/ many insurance agencies and my daughter has a pre-existing blood disorder (very rare) and, since it's on record from her previous insurance, her rates will be over $280.00 per month on an individual plan. On a group plan, however, like mine from my old coorporate job, and the one on my ex husband's previuos job it's less than 1/2 that with much better coverage. It just bothers me to no end that child support services can't get these guys AND that insurance companies can make individual plans so incredibly expensive. I'm not a political person, usually, but I'd love to see the powers that be in the govt. change their policies, in general when it comes to health insurance. Especially for our little vulnerable ones. Any one else have an idea or an opinion? At least I'm getting it off my chest!! It's nice to just spew venom sometimes and get it all out of your system. Thanks again for getting back to me and I wish both you guys well. |
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mommyof2 Member |
posted 03-09-2006 10:25 AM
Have you looked into Healthy Families? It might be your best be; It doesn't matter if your child has preexisting conditions. |
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reasmon Member |
posted 03-09-2006 12:44 PM
I am sorry to hear about your child's condition. Maybe you could check with your local health department for state assistance with health care. If you are going to be the one providing the insurance, I would also suggest making it be known to the judge or court that your ex has disappeared and you are now taking over the responsibility of insurance. |
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Suzanne Member |
posted 03-09-2006 08:39 PM
I'm sorry about the pre'existing conditions. I understand that one.Also another thought? Do you know who the insurance is and if it's not discontinued if you can transfer the program to just the child and bill you?Mommyof 2 is right Healthy families is great if you qualify. (You can only make a certain amount of money)It's a step between medical & INS. If not then I also agree that you should go to the court even if they can't help you get it on record that he bailed & ins. got canceled knowing your child has this illness. Personally I think men(and women) like that should be charged with a crime....But then unfortunately we would never get our support cuz they'd be in jail.Definately let us know what happens. |
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Bluebird Member |
posted 03-12-2006 10:44 AM
This is happening to me, too. My ex agreed to postpone finalizing our divorce (and taking my and our daughter's health ins away) until I got a job with benefits. I've been working temp assignments with no opportunities for permanent employment with benefits. He got fired from his 3rd job in 4 years because of disciplinary reasons-- and with it goes our health insurance in April. I was covered under his Cobra and then he decided to finalize the divorce-- I lose my ins because he can't cover an ex-spouse. He was given a decent severance settlement when he lost his job-- and was making 6 figures-- so I know he has the money to help insure us! I have preexisting conditions-- one is asthma that gets pretty serious in the warmer seasons. It really scares me to be without health ins-- I don't know how I'll pay for my meds. I've started looking at individual policies-- but they are so expensive with a preexisting condition. To top it off, my ex isn't paying a dime of support now and I don't have the money to pay ins premiums without any help. To me, this is one of the scariest things--- we're just one serious illness or accident away from financial devastation. Even one bad asthma episode, and the need for medical treatment without ins, could financially push me over the edge. I agree that doing this to spouses and children should be considered a crime! Taking away my ins-- and forcing me into a situation where I can't afford these asthma meds-- literally puts my life in jeopardy. Yesterday was our first real warm day-- and the pollen must really be out there because my asthma was bad yesterday. No insurance with this? What will I do? |
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Suzanne Member |
posted 03-12-2006 02:23 PM
I'm sorry that you have to go through that ,too Bluebird. I know you and SLEEEK will make it through. It'll be rough ( it was for me) but soon you'll find that things will not only be fine with out him. It'll be better then you can imagine. I've always found that people like that have a tendency to supress a persons inner strength which helps them do well in life. They're toxic. And after the "toxic Clean up" ..HEE HEE. You'll have a clean slate to grow a nice life. (too bad we couldn't grow a customized partner,too) :-) |
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SLEEEK7 Member |
posted 03-12-2006 03:32 PM
Wow! You guys are great for giving me so much info. Thanks! I also feel for all you guys, too. This is just inhuman! What kind of a father and what kind of a society would do this to an innocent child? Thanks for letting me know about Healthy Families. I'll check it out. (This is yet another time since my divorce that I hope I'm not making too much money. What a crazy system!) Also, as far as the health plan he used to have (could still have), we don't know where he is anymore and child support services never did tell me where he had the previous job. I guess he has to tell me that--so I don't even know who to call. I decided to hirea private detective and sent the guy a check that BOUNCED! Ouch! I forgot I'd spent that $$$ on an overnight fieldtripfor my daughter. Apparently "everyone" at school is going and it really does sound like a great program, so... Don't ya hate not being able to take care of your child? Sometimes it just breaks my heart to the point of pure, raw despair. I hope you all and your kids have a great weekend! Thanks again! |
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Suzanne Member |
posted 03-12-2006 09:46 PM
SLEEEK7 I saw your profile and you live in Santa Ana. I live in Orange behind Main Place. ( I lived in S.A.for YEARS. )I know all about OC DA's Office. Go on my profile and email me if you need any help! You SHOULD contact the healthy families . Out here the cost of living is higher so they make more allowances. OC is actually AWESOME on finding deadbeat dad's and making them pay. You have to keep calling the office though.(7am best time) and sit on hold. They found my ex after I gave them all the leads I had. And when he went to work they tracked him down HALFWAY across the US in Wisconsin and contacted Wisconsin's DA and they got him to pay. He tried to bail more then once so hopefully he has learned that he can run but he CAN'T hide. California's LAW is that the payee of CS HAS to carry insurance on the child or GO TO JAIL! (Do not pass go)Anyhow I could go on about this so let me know if you have any questions or need any help. Suzanne |
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kedcse Member |
posted 03-24-2006 10:19 PM
Suzanne, I must disagree with you on the California law regarding the payee of child support providing the health insurance..Actually, the law relates that both parents are responsible for providing health insurance and financial support, it's just that all IV-D agencies(child support agencies) are required by mandate to enforce the health insurance provision(if there is one)against the payee of child support. There are many orders done thru divorces which state the custodial parent is required to furnish health insurance. Also, health insurance can only be enforced if the non-custodial parent's(payee)employer carries coverage thru employment. I would also like to add that the child support agencies in California are no longer part of the DA's office, and in fact,none of our letter head can list such. The state of California decided to take the responsiblity of the child support away from the DA's office, because Los Angeles had screwed up too many cases and not too mention, there are other issues. |
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Suzanne Member |
posted 03-26-2006 12:02 AM
Well, My son's father and I were never married and I wasn't even asking for health insurance and the JUDGE told my ex in Court that by law he had to cover the health insurance and if he didn't he would put him in jail and revolk his liscence. Maybe he just made that judgement for me but that is what he said. I have not pursued it and have carried insurance on my son myself so I will never be effect like that again.As for The DA not being involved in Child support any longer. I am not aware of that for Orange County.Checks as of January 2006 are disburssed from a seperate agency. But out here I still call the DA if I have any questions. But who knows, they may be in the midst of changing and not fully done yet out here and that may be why I still am supposed to call the DA's office. [This message has been edited by Suzanne (edited 03-26-2006).] |
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JAYJAY Member |
posted 03-26-2006 10:56 AM
Hi, i have been reading through your posts. i live in the uk so we dont have this problem -x-x- [This message has been edited by JAYJAY (edited 03-26-2006).] |
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Suzanne Member |
posted 03-26-2006 08:42 PM
Jay Jay- Out of Curiousity what do they do in the UK? I am always very interested in how other countries handle this stuff Like child support. What do they do out there? Suzanne |
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JAYJAY Member |
posted 03-29-2006 02:10 AM
Hi, We have to go to court or have a personal agreement on child support. In the uk we have the NHS which means unlike you we get free health care for our children and ourselves. when we pay our taxes some of it goes towards If you want you can also pay for private health care as well, our children are also I often worry how it would be for most people if health care was like My parents have private health care. While in there it cost £1,800 a day to keep him,this was payed by the Nhs,and his taxes. When he is well enough he can be moved to a private hospial, although he could not have better care than he is getting now. Hope this tells you alittle about health in this country.
[This message has been edited by JAYJAY (edited 03-29-2006).] |
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