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Dutchess_III's avatar

Should my son have to carry health insurance on his daughter?

Asked by Dutchess_III (42442points) September 24th, 2014

My son has a two year old, whom we shall call Adrionna. Her mother, whom we shall call Voldemort, has her covered under state health insurance. However, Adrionna is also covered by my son’s health insurance through his work, which costs him an additional $30 a month.

Shouldn’t his daughter be covered by the state insurance no matter who she is with?

Or, conversely, covered by my son’s insurance no matter who she is with, therefore having no need for the state insurance coverage?

The state insurance is, of course, far better coverage.

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22 Answers

janbb's avatar

It sounds like your son is electing to have family, rather than individual coverage and that’s why he’s paying the extra. Usually one plan will be primary and submitted to first and then the other may pick up some of the denied costs. This sounds like something he needs to work out with his employer and the child’s mother unless there is a divorce stipulation that he provide.

Boy, life can sure be complicated!

osoraro's avatar

You like your daughter in law, I see.

Dutchess_III's avatar

It’s confusing. It’s not family coverage. His wife works in the same place and she has coverage for herself, and her son is also covered through the state. Just texted him to ask who covers Zoey. He said she’s covered by him and the state. Yesterday his wife told me their work didn’t offer family coverage, but that sounded really bizzare.

What a mess! I’ll get clarification when he picks Zoey up.

LOL! She’s the biological mother. They aren’t married. Good God. Who would want to marry someone named Voldemort?!

jca's avatar

When you say “State” health insurance, is that Medicaid?

Dutchess_III's avatar

Yes. Chris and I are going to talk about this when he gets off. Is it possible that their work doesn’t have a family plan that they can all be on, rather than carrying separate insurance?

CWOTUS's avatar

It’s standard subrogation, not at all out of the ordinary. Insurers – including the state – want to and are entitled to defray costs among all responsible parties.

janbb's avatar

@Dutchess_III I wonder why if he didn’t want to marry “Voldemort” he had a child with her? That does seem to complicate things a bit.

Dutchess_III's avatar

Voldemort was a rebound relationship. Three months into it, just as he was starting to see that she was not the person for him, she got pregnant. She had gone off the pill in secret, all the time telling him she WAS on the pill. So, that’s how it happened. He has Adrionna most of the time, from Wednesday night (Wednesdays always make me happy because of that!) to Sunday morning.

marinelife's avatar

In the best interests of the child, he should keep the secondary insurance.

marinelife's avatar

Because costs not covered by one policy would be picked up by the other policy.

chyna's avatar

So the extra $30.00 a month that seems like a lot now will be worth it if he doesn’t have to pay for just one trip to the emergency room which could wipe him out financially for a long time.

Dutchess_III's avatar

@chyna State health insurance is far better insurance than anything anyone gets through their employer. It pays 100%, no copays, no deductible.
Perhaps you didn’t read the details closely enough.

Well, we talked about it. I still don’t fully understand it. Apparently it’s cheaper for them to have their own insurance and to cover the kids, rather than getting a family plan, which includes spouses. .... IDK.

Dutchess_III's avatar

@marinelife State insurance covers everything. It’s not like private insurance at all.

chyna's avatar

@Dutchess_III Actually I did read your details closely. No where did you say that the state health insurance pays 100% with no deductibles and no coinsurance until you addressed me.

jca's avatar

@Dutchess_III I asked you if “State Health Insurance” = Medicaid and you didn’t answer.

Dutchess_III's avatar

My bad. I did answer, but wasn’t clear. I just said, Yes.

Dutchess_III's avatar

Well, that’s how it works, @chyna. I know from experience. And I did say in the details, that it is far better insurance, but didn’t give the specifics.

jca's avatar

@Dutchess_III: Just because Medicaid has low or no co-pays, doesn’t make it better than regular health insurance.

Dutchess_III's avatar

I’ve had it in the past. It beats anything we have today. When I went in the hospital the total bill was some unbelievable amount. Insurance paid 90%, which it great, but it still left me with $2000 to pay off.

In 94 I wound up in the hospital with an ectopic pregnancy. Had emergency surgery. I had Medicaide then. I never saw a bill. Then, something changed in the politics and I lost my coverage. The kids still had it.

trailsillustrated's avatar

How old is your son? 19? Are you the custodian of the child? Perhaps he and I forgot her name and you could gather to discuss it? have no clue how American insurance works

Dutchess_III's avatar

He’s 26. He has shared custody with Adrionna’s mother, who is a horrible bitch. He actually has the baby more than 50% of the time. He got married to Jenna about a year ago. They have 3 kids between them. They just bought a house this past spring.

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