What happens if you try to use your secondary health insurance as your primary?

  • by thecamel2
  • Oct 30,2017
  • 4 answers

I have been the one providing health insurance for my son for the past 6 years, my ex recently got a new job which also provides benefits, she wanted me to take our son off of my plan so she could be the only one providing his health insurance when she gets it in December but I refused. She s not happy about that, and she even tried passing it off that it won t be allowed and even if it is hers would be primary because he lives with her. I called my insurance company to confirm and they said he can have to policies and the policy he s been on the longest would be considered his primary and the other his secondary, when I told her it made her even more upset.
I have a feeling that once she gets her insurance that she s going to try and go to a completely different doctor, not his primary, and try to pass her insurance as either his primary or only insurance even though he s still on mine which would be primary, I would like to know what can happen if she tries to do that?


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Insurance Answers (4)

Greg 2 months ago

She would be committing insurance fraud and can lose coverage.

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A Hunch 2 months ago

The plan he has been on is NOT primary.
If both plans are from parents, the parent with the birthday earlier in the year is primary. I understand it's strange but that's the way it goes. If your birthday is in Jan and hers is in June, yours is primary. If your birthday is in May 3 and her's is May 2, her's is primary.
Insurance is listed in a database kind of like a credit bureau. If she tried to use her insurance as primary and it's not, it will pop up in the computer system that it's not primary.. just like it will with your's if your birthday is later in the year.
I have no clue why you care which plan is primary and secondary. Stop being so controlling.

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babyboomer1001 2 months ago

Insurance fraud. Don't worry about it. She would be the one facing prison, not you. And, you would get custody of your child.

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lucy 2 months ago

I “think” you can’t take your son off (till) open enrollment. My question is, why does she want to have him on her (new) employers insurance, when he has insurance with you? She will have to pay for the cost to add son, which will be deducted from her paychecks.
Now unless her employers insurance is better than yours, like lower deductibles, would make sense. In the past, how have both of you paid for your son’s medical bills, like who pays if insurance does not cover (under the deductible).
Now it is understandable if she loses her job, thus would lose the insurance, but, if that happens, then that would qualify as a life event, that you could put your son back on your insurance w/in 30 to 60 days.

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