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Forum: July, August & September 2012 Playroom

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  • 1 Post By Mrs_Crystal_K

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  #1  
May 9th, 2012, 09:25 PM
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Join Date: Dec 2011
Posts: 65
My daughter's from my ex-husband are on Kaiser, which is under ex's name/job. I offered free insurance through me, but he signed them up for kaiser which my insurance won't piggyback off of.

He lives 45 minutes away. With it being a private insurance policy, my daughter's must go to a Kaiser location to receive all medical car. Only in desperate emergencies are patients covered at another hospital, and with that is only partial coverage as well as a $100 copay. The closest Kaiser is one hour south, or one hour north of us, but nothing here.

What this means, is when my daughters need to a see a doctor, I must drive an hour north, or an hour south. Unless it's life threatening. We have the custody split exactly 50/50, down to the hours. Once my older daughter starts preschool in August, I will have them about 3/4 of the time.

I am *so* tight on money right now, every penny counts, and we can't afford to put $10 of gas in for a week or two sometimes, let alone $30+ to drive two hours round trip.

I've not really brought it up to the ex yet, but I have talked to my family and friends about it, and a lot of them think I'm over-reacting which shocks me.

So, am I over-reacting? What should I do? It just sucks. I know my daughter will get sick this next school year from sore throats and ear aches... and now I have to be prepared to drive 120 miles round trip for medical care, as opposed to down the street as I have always done.

And not to mention that I now have ZERO say-so as far as medical appointments. Her physical on Tuesday double dosed her on MMR, chicken pox and d-tap. She got those shots a year ago!
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  #2  
May 9th, 2012, 10:56 PM
Super Mommy
Join Date: Jan 2012
Location: Cincinnati, OH
Posts: 711
My step-family used to be on Kaiser, as well as my mom. Both of them ended up getting screwed over by them. My mom had to fight to keep her children, and the insurance argued that it was a "pre-existing condition" and they wouldn't pay for their premature births. How in the heck is that a pre-existing condition?

I'm biased, but I would say talk to your ex about a different insurance if at all possible, or have him drive them? I'm not sure about your situation, but that's what I would do~
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  #3  
May 10th, 2012, 04:16 AM
3Sapphires's Avatar Platinum Supermommy
Join Date: Feb 2008
Location: the mountain state
Posts: 11,201
I am in a similar situation, DH works in Maryland but we live in WV, I must drive 45 minutes to see the closest doctor on our insurance.

As of now I don't have much choice, but if I could change it a plan that covered stuff in our area I would.
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  #4  
May 10th, 2012, 04:20 AM
smashley8's Avatar Mega Super Mommy
Join Date: Jan 2012
Location: Syracuse, NY
Posts: 1,637
It sounds like you need to talk to your ex and let him know that it makes more sense for them to have different insurance. Would he be reasonable with that request? Is it still possible to put them on your insurance or do you need to wait until an enrollment period?
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  #5  
May 10th, 2012, 06:05 AM
Repti.Mom's Avatar Platinum Supermommy
Join Date: Aug 2007
Posts: 15,641
Even being on state insurance (there is a kind for EVERYONE even some that have small co-pay if you 'make too much') would be better than this. Then what you can do is present his insurance first, even if it's at a place that his doesn't cover 100% and the state insurance will cover the rest. So it's a $10 co-pay per visit.. that just means you saved $20 in gas.
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  #6  
May 10th, 2012, 02:30 PM
Mrs_Crystal_K's Avatar Super Mommy
Join Date: Jan 2012
Location: Parker, CO
Posts: 585
Do you guys have a custody agreement? Does it specify which parent will provide the medical insurance (usually if you're to provide it, you'd get more child support, and if he is to provide it, you'd get less child support.)

If there's no such agreement in place, I'd talk to your ex and see if he will work with you. If not, you kind of either have to deal with it, or motion the courts to let you provide the insurance for your stated reasons.
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