Medical bills question
Hello all! It's been a while but all has been well over here! Therapy with DH and myself is going really good! Things with SD 14 has improved but she has not really been over since after Easter. One weekend she was sick and the next time she had a sports ball to attend but things have been good with SD and BM has been quiet. Except for today. SD was just over for her weekend and she has become enjoyable to be around, she plays well with her siblings now and starts conversations with me to my surprise! But of course BM has to text DH if he is gonna help her pay for an urgent care bill. She had to take SD to urgent care the weekend she was suppose to come. I'm not sure what expensive urgent care she took her to but she texted the bill to DH and it was $400, after insurance her balance is $180. My question is , is he obligated to help pay for it or pay it all? He pays her child' suppprt which includes insurance. I didn't think he would have to pay co pays too? I know when I take my BS12 to urgent cares or anything I usually just pay the balance and I don't ask my ex to help. Normally the urgent care is never more then $150 or insurance covers mostly all and I just have to pay like $50... I dunno thoughts? Just seems like
alot because our personal bills have increased , we also just had a horrible storm in Texas and spend a lot of money on wasted groceries and supplies and DH and I both lost a few days work due to no power for a week!
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Does the CO address medical
Does the CO address medical bills/co-pays?
He certainly should not pay all of it.
No it's says nothing of co
No it's says nothing of co pay, it only list the amount he is to pay for insurance
If it says nothing about
If it says nothing about splitting or paying for medical outside of the insurance, technically he is not on the hook for any of it. But if the insurance is under his name, I'm not sure who would be held legally responsible. He might want to check on that.
The insurance is under BMs
The insurance is under BMs name and he pays for it. I just don't see how she would still owe $180 after insurance. My sister just literally went to an urgent care last night and after insurance her balance was zero. This is almost the same when I have taken my children, I think I just pay an office fee which is never more then $50
I just don't see how she
I just don't see how she would still owe $180 after insurance.
Depends on her insurance.
Our CS order addressed out of
Our CS order addressed out of pocket medical expenses. It is usually in the fine print of the child support order. Our states that BM must pay $400 out of pocket before she can seek reimbursement from DH since DH pays a monthly average for medical in CS. The remaining out of pocket medical expenses (if there are any) exceeding that $400 is based on income differentials and states DH pays for 34% and BM pays 66% of all out-of-pocket medical expenses. BM makes significantly more than DH. Look closely and make sure percentages aren't listed (again they are often buried in the middle of the CS order with all the other legal jargon).
So for example, if BM pays a medical bill and the out-of-pocket cost is $100, DH is responsible for $34 and BM is responsible for $66. That remaining balance of $100 is split between them both based on the calculation. Your DH shouldn't be responsible for the full remaining balance after insurance. And BM has to provide the proper paperwork (insurance denials, EOBs, etc.) before requesting reimbursement/payment.
I'll look over it for sure .
I'll look over it for sure . She was just wanting DH to like send her the money for it which I don't think is right as well.
With no
documentation? Just her word?
She sent him the bill. I just
She sent him the bill. I just can't fathom a urgent care bill being $400!
Honestly, that seems low for urgent care.
Honestly, that seems low for urgent care. Read the fine print on the CO - medical expenses are usually spelled out.
Low ??! Really, that sucks.
Low ??! Really, that sucks. When we have to go it's usually like $50 for the office visit and insurance covers the rest . I think one time I had to pay out of pocket and it was $250 for testing and everything .
My DH wasn't ordered by the
My DH wasn't ordered by the CO to co-pay medical bills, but he has done so, at a max rate of 50%. BM amazingly hasn't taken advantage of that. Her only comment was that he could take her to some appointments too. (Well if he was even informed that she had appointments he could do so, but if he doesn't know because BM and YSD don't tell him or talk about medical care with him he cannot know!) He didn't have to but he wants his kids to have medical care so he decided it as ok to do. I agreed with him on that one.
If It's Not In The CO....
then you don't pay it. We covered insurance and it was in our name but BM was responsible for all out of pocket expenses. She actually tried to not pay once....the office sent HER into collections. For minors (and even adults), there is a place stating who is responsible for paying. That does NOT mean who pays for insurance. BM here had custody and took kids to all appointments (what she wanted). Add in we covered all the last two kids up till age 25, so we sure as heck weren't responsible for THEIR medical bills even though we paid for the insurance.
As to the cost....if she sent you the bill, that should have all the details of what was done, charges, what insurance allowed and paid and the balance. I will say that is high for Urgent Care. My insurance has a simple co-pay for Urgent Care. Last time I used it at the UC, I paid my $40. That visit included an X-ray. So, if the bill isn't detailed, request one.
Is it possible whe went the ER rather than Urgent Care?
The bill she sent has no
The bill she sent has no details as far as to what was done which is weird ! Normally they list out the test they did and office visit fee but nope nada. Just one line which states the cost and then what insurance covered and the remaining balance . I normally pay about $50 as well for urgent care . It's was a urgent care place not ER
Sounds familiar. Can you all
Sounds familiar. Can you all deal with the billing dept at Urgent Care?
Since the bill is BM name she
Since the bill is BM name she would have to call, the bill offers no details as to the cost
If the CO says nothing about
If the CO says nothing about copays or medical expenses not covered by insurance, then.. .nope. CS is all that the NCP owes unless otherwise mentioned in the CO.
Our CO addresses this topic. Both parties slit equally any medical expenses not covered by insurance. Copays, etc.... Not that they ever did. We have billed them for nearly 30 years for that stuff adding penalties and interest off of the IRS penalty and interest charts. To the point they are in the hole to us for well over $10,000. We have billed them twice a year every year since SS-31 aged out from under the CO at 18. The ball-less moron in the idiot Harry Potter robes slinging the Fisher- Price wooden toddlers hammer did not have the stones to nail them for failure to pay and for contempt of court for violating the CO. Nope. That dumbass 10%er of the legal profession on the SpermLand family law bench refused to address it and told us to take them to small claims court. I refused to accept that and directly challenged the robed dipshitiot on the fact that HIS CO clearly addressed it and it was his duty to uphold his CO and bend them over and ram up up their ass to pay and ... send their asses to jail until they did.
That went over like a fart in church. So, we keep billing them and applying penalties and interest. They whine about it each time they get the bill, whine that we need to let it go, etc, etc, etc.
We never will. For all of eternity we will bill them and upon occasion we will continue to have our attorney send them a nasty gram on legal letterhead. We really do not give a crap about the money. We make sure they know that they are a collective POS and that we will always own their idiot asses ... until they do the right thing. If they ever do pay, we will give it to our kid. Actually, we won't give him cash. They would no doubt immediately start the full court press for him to give that money back to them. SO, maybe a major vacation, or Rolex or something. Engraved from his mom and I just to minimize the chance that they would weasle him or otherwise guilt him into selling it.
The CO should have addressed
The CO should have addressed this somewhere. Generally, out of pocket medical expenses are split between the parents.. and not considered something that Child Support will cover.
400 for an urgent care bill doesn't sound overly outrageous.. they may have had to run tests that added to the cost (the bill if itemized should have shown that.. and maybe some meds etc.. were included?)
Unless the CS he pays is so plush (2K for example) that there might be an expectation that she cover some out of pocket medical costs.. I personally think the right thing for him to do is pay half of the out of pocket.. 90 dollars.
I mean.. think about it this way.. let's say a child is seriously ill.. medical bills out of pocket thousands a month.. do we really think it's reasonable to think that only one parent is responsible.. just because the kid happened to be with them when they fell ill?
Again, the kid is your husband's responsibility.. even when she is with her mom (and vice versa).. so for something like this.. I think he should pay.
But.. go through the CO.. for sure if he wants to take a stand that he won't pay.. she might try to go back to court ... esp if there could be circumstances where she might get a higher CS award.
I would balk at extras for clothes.. or other "extras".. but medical care seems like it should be both parent's responsibility and insurance is not the end of that.
Both sides
I see both sides of this one. He pays every month. He pays for the insurance every month. If he's obligated to pay half of the bill, she should be obligated to pay half of every monthly payment that gave her the coverage that reduced a $400 bill down to $180. In some ways, he has already paid his half. He just does so all year.
If there were thousands of dollars I would agree that he should pay half, but since he pays all year long, (unless support was reduced because of it), I would say that he alread paid. And I would be genuinely curious why the cost was so high. If most clinics only harge $150, and this one charges $400, perhaps she needs to be be aware of that and pick the better priced clinic in the future. If it was costs for tests etc, that makes sense. But if he just pays and it doesn't inconvenience her in any way, will she ever bother to find the cheaper clinic?
All that said, I'd probably pay the $90. It's just the principle of paying all year (while she pays nothing) and then paying more..that bugs me.
They may have factored in the
They may have factored in the value of the insurance in the overall CS payment.. so it may already be baked into "her vs him" and I think generally it is when they order it this way.
He does need to look at his CS order carefully.. to be honest.. it would be unusual for it to not be addressed at all.. unless their state/area dictates it "automatically".
My guess is that it is in the
My guess is that it is in the CO. But, if it isn't, I wouldn't contribute. If I were the NCP. Daily expenses and life events are what CS is for. If the Judge didn't split expenses not covered by health insurance, so be it.
I was thinking the same and
I was thinking the same and it's SO like BM to pick the most expensive urgent care to take SD to, she does this with other things as well. And I agree that he has already paid his part also he wants to know why the bill was $400 when there's nothing at all on the bill stating what was done , it only states a flat cost of $400! It's like ok why?!? He knows how much I pay when I have to take out kids to urgent care which is the max of $50 so this is why he questions a $400 urgent care bill. The bill is in BM name and it due soon so until BM can produce a better understanding of the cost I don't think DH will pay her
You have or get a copy of bill from urgent care
The whole bill. Dr $. Test A $. Test B $ others $. Not a paper with a total $. You may get medical codes what are on line. 1234 Dr.
Strange
I'm with others here - it would be very odd if medical bills isn't addressed in a standard custody order. I have joint custody of my kids and we split medical 50/50. If you're paying child suport though then I agree with others who say that it's on the mother to pay the uncovered portion of expenses. I get the impression the mother is waving the bill to see if your household will cover some or all of it, this is what my SS's mother does with my DH - if it's not addressed in the CO, he pays excessive child support to the bum and doesn't entertain her hints.
And yes, that bill seems rather high for an Urgent Care visit. Sounds more like ER fees. Proof of payment and itemized invoices should always be requested if you're dealing with a shady BM before you give any sort of reimbursement to her.
BM would not produce a
BM would not produce a itemized list , in fact when DH didn't text her back fast enough she replied " I guess that's a no" she's a real peach
Section 5 of 6 of our CO.
5. Each party shall be responsible for one half of unreimbursed medical, dental, optical, and orthodontic expenses incurred on behalf of the minor child.
Short and to the point.
The only other mention of medical costs in the CO, Spermidiot was ordered to provide health insurance for SS. He didn't for more than 10yrs. So, we initiated a CO modification for CS to be increased to cover the additional costs for us to provide insurance for SS via my employer or my DW's employer. When he finally did get coverage for SS, it was such crap that the Judge ordered him to provide that coverage and continue to pay for me to cover SS through my health insurance benefits. Not a ton of money since the companies I have always worked for have great benefits. It was only about $15/mo for me to cover SS on my insurance. So less than $200/yr added to CS for the NCP.