Question
What is the name of your state? IL
My husband and I both carry full health, dental, vision, and life insurance on full family of 5. both of us and his daughter and my two children. We have had these insurances for many years now. All of a sudden, Blue Cross of IL wants copies of divorce decrees from the early 1990's. Now bear in mind, both noncustodial parents have NEVER paid child support or any support of any part as ordered in these decrees,nor will they ever. I feel that it one is none of their business, a violation of personal rights, and uncalled for after this many years and paying claims on all of us. Many thousands of dollars have been spent in filing cases to get them to pay their parts and insurances, but we just go deeper in debt, so there is no point in that battle. One is dead beat mental fluncky now on disability and the other is a dead beat in prision for drugs. Now why should I dredge up all of this for decrees that state they must pay 50% of uncovered medical costs, never will pay it, and will end up ruining my credit paying for all that the insurance company is paid a premium by both of us to take care of it?What is the name of your state?
Answer
Why should the insurance carrier be paying for claims that should be paid by someone else?
Answer
Because these two ex's have no ability to pay nor will they ever. and the reality of this is, they will not get the money from them, so in responsibility wise it will be us in claims court and having to pay it and the court costs. so that is why we take care of our kids, and those dead beats dont. they will end up costing us more. AND if both of our insurances paid, then there would be none for ANYONE to have to fight over or pay.
Answer
Because of COB clauses, one almost never get's by with zero out of pocket on a claim. Factoring in the cost of coverage, double coverage rarely makes economic sense.
Regardless of the financial aspects of double insurance, the carrier is not obligated to pay the claims of dependents who do not meet the contractual definitions for eligibility.
If an audit is conducted by the carrier, and it is learned that claims have been paid in the past on ineligible dependents, the carrier has every right to demand restitution. The one who wrongfully paid premiums for ineligible dependents is also entitled to a refund.