In my divorce it states i must provide medical insurance for my daughter, do I have to use my employers insur?

Question

I need to know if i must use my employers insurance or can i get my own policy somewhere else for her only. It is very expensive through my work and really the coverage isnt that great.

Answer 1

First, does the divorce decree just state that you have to provide health insurance, or does it go into more detail as to the type of coverage? Many divorce courts are getting more savvy as to the details of the coverage because there are many insurance plans that don't have good coverage.

Second, to put it bluntly, how well do you want to provide for your daughter? Health insurance is not a "one size fits all". When you shop for a new car you have a choice between the basic low end model with no options, a fully loaded luxury car, or something in between. Health insurance is the same. If you shop for the cheapest you'll get the basic low end model which may or may not have the benefits and coverage you are looking for.

You can probably get a plan that's less expensive than the plan through work. Visit a local agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you won't get with the plan. There is no extra charge using an agent.

Answer 2

No, but that is the less expensive route.  You can get medical insurance on your own!!!

Answer 3

You need to carefully read your divorce decree and see what it says about what KIND of health insurance you must provide.

If it just says you have to provide health insurance without specifying what kind, then you are free to give her any kind of insurance.

If you really don't care what kind of insurance she gets, then you can shop for a high deductible health plan with a low monthly premium rate.

But you'll have to consider if you are going to be financially responsible for co-pays and deductibles.  If you are, then you'll probably want your employer sponsored plan (which is usually a self-funded ERISA plan that is almost always going to be cheaper than what you can find in the marketplace).

But if you ex is picking up the co-pays and deductibles and you are just paying the premiums, then find a private policy with a high deductible and you'll save money.

Answer 4

if she would pass a physical, and has no pre-existing conditions you could take out a separate policy on her.

assuredhealth.com

Answer 5

I would think you could use any insurance as long as she is covered.

Answer 6

Yes, you can get a private policy through a local agent.  Expect to pay $200 a month for a good, low deductible plan.

Usually the employer's plan is cheaper.

Answer 7

As long as you provide medical insurance it is fine, either through employment or somewhere else. I worked as  a HR Manager and dealt with child support garnishments and medical garnishments, it doesn't matter how you provide the insurance you just have to. I would go for the cheaper one. Make sure you look into all the plans out there that you are eligible for. It gets quite confusing, some have higher deductibles and some have higher co payments, etc. Good luck

Answer 8

Talk to the court, but I would imagine that you can shop for health insurance on the individual market so long as you purchase acceptable coverage for her.

She would need to be in good health to qualify for individual insurance.  If she is not, then your only option might be to put her on your group health plan.  I'm sure either way, you would want her to have good health coverage and benefits.

You can begin to get an idea of costs here:

http://www.ohioinsureplan.com/index.php/...

Answer 9

You can go shopping for health insurance and take out a policy on just her.