Keep Adult SD on Insurance?

>> Wednesday, July 4, 2012

Our medical insurance has a fund maximum and once you meet that, you have to pay 100% up to a certain amount. My daughter was in the ER for second degree burns not too long ago to her hand and that entire visit will now come out of our pocket. Ack.

Now if my adult stepdaughter was not on our insurance as her secondary provider (her mother's insurance is primary), we would not have a huge medical bill for this ER visit heading our way right now for our minor daughter. We will be paying this bill off for at least the next year or two! My adult stepdaughter used up a chunk of our fund on her psychiatrist appointments her dad has no say in and that she doesn't need when she is here...she apparently needs them when she lives with her mother. Pfft...should tell her something.

This irritates me. The adult child who disses her dad and thinks he doesn't do enough to financially support her adult self has no friggen clue what she still costs us as an adult while she gripes about us not paying to support her (get an actual job comes to mind).

We have no court order for her anymore so I don't think she has to be on our insurance? It is our choice, right? She does have coverage with her mother.


Robin July 6, 2012 at 1:40 PM  

It sounds like she has been a little snot for way too long, let her remain on her mother's insurance and take her off yours. I like your idea of her getting a job even better. Have been following you for a few years...

Katy July 11, 2012 at 11:55 PM  

Keeping her on the insurance may not be the issue. I'm not an expert, but I do work in healthcare. If your SD is over the age of 18 she is her own guarantor, meaning that she is financially responsible for any medical/hospital charges not covered by insurance. You may want to check with the hospital and your lawyer to be sure, but you may be able to ask them to put the balance in her name. Maybe she will learn the value of money through something like this?

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