My question involves child support in the State of: Utah
Per our order, I carry medical insurance for my children. My ex wife also carries medical insurance for our children, so our children have double coverage. My insurance is primary, my ex's insurance is secondary. The double coverage automatically covers procedures and copays for appointments, so there are no out-pocket-costs on those. Prescriptions and prescription copays are also double covered at 100%, however it doesn't happen automatically. The primary insurance covers the prescription, and the secondary insurance covers the copay. However, the secondary insurance requires a receipt and a reimbursement form to be submitted after the copay has been paid at the pharmacy. Once the secondary insurance recieves those, they send out a check reimbursing the copay.
We've had this set up for about two years. My daughter has a monthly prescription, the copay is $25. For the first six months or so of having double coverage, my ex wife sent in the receipts and reimbursement forms to her insurance and was reimbursed 100% for the copays on my daughter's prescriptions. She didn't send the receipts to me. Then my ex started only submitting the reimbursement forms periodically for the prescriptions. She was paid out by her insurance on the reimbursement forms she did submit, however sporadically she submitted them. I know this because she made me an authorized user on her insurance and I can access info regarding my childrens' coverage/expenses, etc. Several months ago she also started sending the receipts to me every month demanding that I reimburse her for half of the copays directly, despite the fact that the copays are covered by her insurance.
Our order states: "Both parties share equally all reasonable and necessary uninsured and unreimbursed medical and dental expenses, including deductibles and co-payments incurred for the dependent children and actually paid by a party."
I see the receipts for the copays she sends to me as only unreimbursed because she hasn't bothered to submit them for reimbursement. I can't submit the receipts for reimbursement from the insurance because I didn't incur the costs. The copays are not "uninsured" because she does get paid out for them when she does bother to mail in the forms. So either way I look at that section of our order, I can't figure out where she gets that I am still responsible for half of the copays. Also, if I did pay her half of the copays, what is to stop her from submitting the receipts for reimbursement to her insurance after I've already paid her? I have absolutely no problem whatsoever paying her my half of the expenses left over *after* insurance, but now she wants me to pay her back even before she mails the receipts to her insurance.
I think I shouldn't have to pay half of the copays just because she all of a sudden decided to not utilize the available secondary insurance for prescriptions. She thinks I have to pay her back half of the copays before the receipts are submitted for reimbursement.
Who's right?
Per our order, I carry medical insurance for my children. My ex wife also carries medical insurance for our children, so our children have double coverage. My insurance is primary, my ex's insurance is secondary. The double coverage automatically covers procedures and copays for appointments, so there are no out-pocket-costs on those. Prescriptions and prescription copays are also double covered at 100%, however it doesn't happen automatically. The primary insurance covers the prescription, and the secondary insurance covers the copay. However, the secondary insurance requires a receipt and a reimbursement form to be submitted after the copay has been paid at the pharmacy. Once the secondary insurance recieves those, they send out a check reimbursing the copay.
We've had this set up for about two years. My daughter has a monthly prescription, the copay is $25. For the first six months or so of having double coverage, my ex wife sent in the receipts and reimbursement forms to her insurance and was reimbursed 100% for the copays on my daughter's prescriptions. She didn't send the receipts to me. Then my ex started only submitting the reimbursement forms periodically for the prescriptions. She was paid out by her insurance on the reimbursement forms she did submit, however sporadically she submitted them. I know this because she made me an authorized user on her insurance and I can access info regarding my childrens' coverage/expenses, etc. Several months ago she also started sending the receipts to me every month demanding that I reimburse her for half of the copays directly, despite the fact that the copays are covered by her insurance.
Our order states: "Both parties share equally all reasonable and necessary uninsured and unreimbursed medical and dental expenses, including deductibles and co-payments incurred for the dependent children and actually paid by a party."
I see the receipts for the copays she sends to me as only unreimbursed because she hasn't bothered to submit them for reimbursement. I can't submit the receipts for reimbursement from the insurance because I didn't incur the costs. The copays are not "uninsured" because she does get paid out for them when she does bother to mail in the forms. So either way I look at that section of our order, I can't figure out where she gets that I am still responsible for half of the copays. Also, if I did pay her half of the copays, what is to stop her from submitting the receipts for reimbursement to her insurance after I've already paid her? I have absolutely no problem whatsoever paying her my half of the expenses left over *after* insurance, but now she wants me to pay her back even before she mails the receipts to her insurance.
I think I shouldn't have to pay half of the copays just because she all of a sudden decided to not utilize the available secondary insurance for prescriptions. She thinks I have to pay her back half of the copays before the receipts are submitted for reimbursement.
Who's right?
Expenses: Double Coverage and Reimbursing Expenses
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