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Additional Details
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peter p | Can my family still be covered by my health insurance? |
i am in ny and i pay for family coverage for my x-wife and daughter,as long as i pay the premiums is this coverage still good.they are in florida
Additional Details
i have a 1000.00 benifit package wiyh my job freeeeeee so i dont feel the crunch...if i do not take it i will not be riembursed |
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sarah314
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You haven't provided enough information to accurately answer the question.
What type of coverage is it?
If it is coverage that you obtain through your employer, then your ex-wife is not eligible. She should be removed from the plan as soon as possible - to keep her on would be insurance fraud, and your employer could take action against you (such as recouping what they paid out for your ex-wife's medical expenses, going after you for insurance fraud, disciplinary action on the job for you, etc.). Your biological daughter, however, should likely still be eligible. Your employer would be able to confirm that for you.
If it is a family policy through a private insurer that you purchased for all 3 of you as a "family," then no...your ex-wife cannot remain on the policy. You are no longer married, and therefore not eligible to be on a "family policy" together. (If the insurer finds out, they can rescind your policy and go after both of you for medical expenses paid out.) Once again, your biological daughter should still be able to remain on a family plan with just you...check with your agent to confirm.
The only way your ex-wife can legitimately remain on a "family" policy that you are paying for is if you purchased the policy specifically for just your ex-wife and child. You and your ex-wife cannot legitimately be covered together under the same policy, because you are no longer married.
If you're paying for a separate policy for only your wife and daughter, you should be good to go. If you and your ex-wife are being covered at the same time under this same "family plan," you're committing insurance fraud. |
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KG Mom
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Depends. What type of coverage (PPO, HMO, etc)? Are they visiting Florida or have moved there permanently?
Call you carrier, defintley |
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George S
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While your New York plan might "cover" the other family members in Florida, it might only allow emergency care for them if they use out-of-network doctors and health facilities. I'm sure one of your highest priorities is to protect your daughter. If she is of school age, United Healthcare offers "kids only" health insurance plans that provide children's coverage for sickness and accidents. Their plans are written through school districts and many private K12 schools throughout the US. Their health plan is designed to be affordable, at just $98 every 2 months. Check out www.k12studentinsurance.com to see if your child's school district or private school is participating. Click on the "Plans & Pricing" tab, enter the district name or private school name and the state in the search box and review the plans. |
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Donna <><
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Yes, it should be ok as long as your premiums are paid on time. |
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kwflamingo
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It should be fine. But I would check with your carrier. |
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thatartistwin
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Certainly! Medical coverage is not based on location. They will be covered even if they are visiting abroad. Relax. |
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