Exwife's is wanting money for secondary insurance coverage, do I have to pay?

Question

I am required to provide insurance for the kids, and I do, she also carries secondary insurance on the kids, but mine is primary. I have to pay for any uninsured cost. My insurance covers 85%, and her insurance covers the rest, but she still wants me to pay the 15% to her directly. Is this allowed?

Answer 1

You really need to talk to your lawyer. He will be able to interpret the divorce decree better than anyone on this site including you. Although it does sound like she is trying to get more money from you it does seem like you have been made to cover the cost of the insurance for the children. My guess is that the agreement doesn't specify if it is secondary or primary. That might mean that you will have to re-imburse her for the money that she spends on the insurance.

In any event, I am certain that you would gladly pay this money if it meant that if she just dropped the insurance so that it did not exist you would have to cover what was not covered by the primary insurance. That amount might be a lot more.

Answer 2

You only have to pay what is specified in the divorce decree. As you stated, you must provide the full cost of the primary insurance. My decree is the same in this regard but for uncovered medical, dental, vision care I must pay 1/2 and she pays the other. Your statement says you are responsible for any uninsured cost... where this is all or half has some bearing but not much. Here's why...

You ex is paying for a secondary policy that covers any cost not covered by your insurance. This is actually a great idea.. provided that the annual cost to do so is less than the yearly deductable/maximum patient responsibility. Check your medical policy and see what that is. Also, you should evaluate how much you paid last year for uncovered expenses and determine if that amount is more or less than the annual policy amount.

What you need to figure out is, is this secondary policy a 'good deal' and will it save money over time. If so, I suggest you reach an agreement with your that that you will pay the full policy cost but no other med/dental/vision cost that remains. If your decree says you only have to pay 1/2 of uncovered and the policy is a good deal in total, the you should agree to pay 1/2 of the secondary policy cost. The reasoning here is that in the long run it will save you both money.

Now.. if through these calculations you determine that the policy cost is to high and not worth the risk, explain that to her, show her the numbers you used to calculate it and the decree verbage that specifies exactly what you have to pay. Then tell her you won't pay for any of the secondary policy.

In this case, it's not about who came up with the deal.. but if it's good for you and your ex and it covers the kids better... then just do it.

Hope this helps and good luck!

Answer 3

If her insurance is paying the 15% and she wants you to give her the 15% that the insurance has covered thats called insurance fraud! She can get into a lot of trouble with the law. NO it's illegal.
Call your insurance company and ask.
If she wants you to pay for the secondary insurance with her or to take up the kids portion that's something the two of you can negoitate. However if she is wanting you to give her the 15% of the bill which the insurance has already paid. INSURANCE fraud unless she is paying back the insurance company the 15%.

Answer 4

that's noted as coverage on account which you're taking most of the possibility out of a extensive price that with a bit of luck won't happen. Any surgeon can refuse to settle for medicare as finished cost for their amenities. Hospitals can invoice you for overages that medicare won't pay. in case you do no longer use medical doctors -- and how many seniors can assure that? -- you may get via via paying the quantity your self. My adventure is that my entire surgeon care is nicely under $1000 a year so paying $1200 is wise on condition that i concern that i could desire to advance some thing like a heart condition or maximum cancers which could value $250,000 for medical doctors, hospitals and medicines. that could desire to bankrupt me. So, i could go with to take the $1200 hit to guard against the extensive hit merely like I definitely have sources vendors coverage and characteristic never as quickly as accumulated. yet whilst my homestead does burn to the floor or is robbed or in spite of, i will a minimum of have the coverage to change a number of what i could desire to pass on.

Answer 5

"she still wants me to pay the 15% to her directly"
NO, its not.

You may have to pay half the uncovered medical expenses, but not to her. You would pay it to who ever is billing you/her for your child's treatment. Ask her for a copy of the medical bills. I recommend to do it via email so you can print it out and file it with the bill. I have a feeling she might be the type to lie and claim you are not doing your fair share. People are always saying things they will never want written down so keep it on email.

Answer 6

I don't see why it would be that you would have to pay her share. i think that you should talk to a lawyer or a judge and find out if that is a recommended course of action to pay for her share. And if she wants you to pay it to her directly..do you really think it is going to go to the insurance?

Answer 7

Since you're already providing insurance, I dont believe that this is required of you. If she wants it, then her pay for it. Follow the directives in your divorce decree.

Answer 8

What a user *****. And all that over 15%. You are doing just fine with the way it is. I actually think she could get in trouble for insurance fraud.

Answer 9

NO let the woman pay for her own crap. Just another example of evil woman sucking the man for everything she can. Get a lawyer if you have to and fight her in court.

Answer 10

It depends upon the judgement of the court. U have to support your ex if she is not married still.