Can a mother file for Medical when the father of a child is already providing ins.?

Question

I've have been paying 4 health insurance 4 my daughter for 10 years now @ my place of work + providing monthly funds to her mother that we both agreed on ( did not have to go to court). I've found out that she has Medi Cal for my child, how is that possible? Can this hurt me in the future? Should I be worry? What is the worst that can happen?

Answer 1

If the child has a medical card, then she does not need any other type of insurance. I suppose you are wasting your money, eh!

Cheers

Answer 2

Obviously -- both of you are living in separate households and with separate incomes and NOT married at this time.

Under child support .. here is what is generally required of EACH Parent in this situation:

FOR The MINOR Child -- EACH Parent MUST provide Health, Hospitalization, Dental, Major Medical Insurance to cover that child -- so yes, you DO Need to keep your insurance in place on the child at this time.

Now for the Mother of the child (your ex), she is ALSO Required to provide the SAME insurance as well ... and given that HER insurance on the Child is Medi-Cal -- that tells me that her INCOME is LOW ENOUGH that the Mother qualifies to have the child covered under the State Program because she (the mother) has NO Benefits at work and her earnings are BELOW the threshold for the state.

Now when the child goes for Medical Treatment .. the Provider needs to bill TWO insurance companies (which is quite to be expected and standard) -- YOUR insurance company, Medi-Cal, and then .. the Remainder (which is the co-pay or deductible) is split based on the agreement in place between you and your ex.

Should you worry at this time?? NO! There is no need to worry. This is typical when one of the parents does not earn enough from their employment and has no benefits .. so she just simply qualified for the program for low-cost insurance for the child.

There is nothing 'worst' about this -- except .. the billing order ... which ... if I am anticipating the order ... is that YOUR insurance is billed first, then Medi-Cal. The Medical Provider will already have collected the Expected Co-Pay/Deductible at the time of service ... so that is already taken care of.

Answer 3

It really depends on how the Medi Cal is set up. I don't know much about it. Not all states require you to be without insurance. It could be set up to cover all the areas that your insurance doesn't cover, thus using your insurance as the primary and Medi Cal as the secondary. You'd have to find that out yourself.

I don't think it would be damaging to you because you have documented proof that you have been providing the coverage for your child as agreed upon. However, if you are supposed to split all additional medical costs 50-50 (such as copays) then she should have to share all the information about Medi Cal with you so that you aren't paying more than your fair share of the costs. If you have joint legal custody, you may be able to find out more about your daughter's coverage with Medi Cal on your own, just by calling them and giving them her social security number.

Answer 4

I don't know what "Medi Cal" is so you need to explain this one as I live in the USA.


I didn't know anything about Medi-Cal and after hearing from the poster, I decided to search out what Medi-Cal actually is and what state or country it is associated with before I replied to the question. It is close to what I know as Medicaid.

I would suggest you contact Medi-Cal, tell them you have health coverage for your child and tell them that your wife has applied for Medi-Cal and you need to get the facts on how your health insurance and Medi-Cal work together. It is much better to get the info directly from them ... so you cover all the bases.

I apologize to the poster when I asked for an explanation of what is Medi-Cal as I never heard of it in the USA. Each state has a different meaning of Medicaid.

Answer 5

It depends. Is she actually using the insurance (ur child)? The other thing is you'll be able to prove it because it is something that is deducted from ur pay. Keep ur shirt on pal, she can't hurt you, it can only help you because it will show a judge that want and have been taking care of you're responsibility. Also, I would suggest going to court to and having the support payments monitored by them, instead of doing it with the mother. The question here is are you paying 17% now, or more than that? That's what the court will make you pay for child support.

Answer 6

I could be wrong, but if you are paying for insurance for your daughter through your work, and she applied for Medical for her, that could be fraud. There must have been someplace on that form she filled out that asked if she is already under someone else's insurance. It would be the same if she were drawing welfare and you were paying her child support and she wasn't reporting it. That happened to my son and ex-wife. It has been a nightmare for him. In your case I wouldn't think they would come after you for reimbursement, but she could be in a lot of trouble for not reporting it. Monetary wise I don't see how it benefits your exwife, unless there is something she is doing that somehow she is getting a cash benefit without you knowing it. Like I said, I could be wrong, but I definitly would report this to the county because it really sounds like fraud to me, since Medi-Cal is funded by our tax dollars.

Answer 7

If your baby mother took your daughter to the doctor with the medicaid care and medicaid finds out that she has other health insurance they are going to kick that claim to your health insurance. Your health insurance is the primary and medicaid is second. This matter to me. I had medicaid before my son was born and then he went on his father's ins. Medicaid kicked his medical bill to Aetna from when he was born. Aetna paid for all the bill because they are primary and because a child is covered from the day they are born. Just tell you girl to get rid of medicaid if the child is not using it, It should be going to a child who can not pay for ins.

Hope this helps

Answer 8

If you are offered insurance coverage through your employer, Medicaid will require you to carry it on the children. Medicaid will act as the secondary insurance coverage. This way, the kids can have Medicaid, but your insurance carrier will have to pay some of the bill. Its totally okay, your only in trouble if you refuse to cover them under your insurance policy too.

Answer 9

I would contact the state and ask them if it is damaging you to have the child on both your insurance and on the state run insurance. The state may not know that the child has other insurance. Or maybe the state is just making sure that every child had health care....