lost*in*cyberspace
DIS Veteran
- Joined
- Dec 30, 2005
This depends on whether or not the father can afford it. Getting a child support order doesn't mean you're actually going to get paid.
Health insurance question...
- Thread starter beno44
- Start date
This depends on whether or not the father can afford it. Getting a child support order doesn't mean you're actually going to get paid.
DisneyMandC
DIS Veteran
- Joined
- Feb 18, 2015
Well of course. But it sounds like she has one and he's been paying. That doesn't necessarily mean he could afford an increase if this health insurance cost did cause one, but it's just something for the OP to consider.
That was my question... why the health insurance is $500 a month and he is only paying her about $400 a month in child support.. she is a teacher making about $50K a year..
DisneyMandC
DIS Veteran
- Joined
- Feb 18, 2015
It depends on what he makes as well. So if she's making $50k and he's making $55k (for example), then the percentage they can contribute towards support for the child are not that different, so the amount he would owe in support is lower. With an increase in only about $70 in health insurance costs, assuming that's accurate, she would probably only get a couple extra bucks out of him a month to make up the difference. Unfortunately, probably not worth the court costs, legal fees, and headache to accomplish it.
If he is working a job with health insurance, she could always see about getting her ex to cover him. That would likely also change the child support amount, but it may be lower. Though again, I don't know the dynamics of the relationship here so that may not be a choice she's comfortable with.
havaneselover
Dreaming about a Disney cruise
- Joined
- Nov 9, 2009
Is there any chance the dad can cover the son cheaper and they can adjust the child support? So if the dad can cover the son for $250 he does and then he pays her $150/month.
havaneselover
Dreaming about a Disney cruise
- Joined
- Nov 9, 2009
Ugh. What a jerk!
DisneyMandC
DIS Veteran
- Joined
- Feb 18, 2015
I have seen judges order one parent to carry the child if it's comparable insurance and cheaper, but again you face the issue of him being a jerk (and it sounds like he might be) and costs associated. I've seen parents have to come to court simply because the parent carrying the child wouldn't give the other parents the health insurance card for doctor's appointments. It's sad that people have to be like that.
havaneselover
Dreaming about a Disney cruise
- Joined
- Nov 9, 2009
These stories make me realize I don't have it so bad. I don't always get along with my ex and he isn't able to pay the support he agreed to, but I have seen people spend as much on lawyer's fees as they're fighting over. Sometimes you just have to make the best of an unfair situation. And seriously that's pathetic that one parent wouldn't give the other an insurance card. They need to learn to love their kids more than they hate their exes.I have seen judges order one parent to carry the child if it's comparable insurance and cheaper, but again you face the issue of him being a jerk (and it sounds like he might be) and costs associated. I've seen parents have to come to court simply because the parent carrying the child wouldn't give the other parents the health insurance card for doctor's appointments. It's sad that people have to be like that.
DisneyMandC
DIS Veteran
- Joined
- Feb 18, 2015
Yup. It is truly awful. It's amazing how many times I saw child support cases where the main issue was the health insurance. One poor mother had her ex covering their daughter on his insurance. Unbeknownst to mom, dad dropped the daughter off his health insurance and she got into a car accident that month. Didn't find out until they got to the hospital and insurance wouldn't cover her. And as everyone knows, it doesn't have to be life-threatening injuries in order to have a livelihood-threatening bill. And it's awful because there's not much you can do to hold dad (or anyone for that matter) in contempt other than putting them in jail for a few, and then all that's done is potentially caused them to lose their job so now they can't pay support at all.
Long story short: can't we all just get along?
neatokimmo
DIS Veteran
- Joined
- Jul 1, 2006
So I feel like I am missing something here. Why would 1 person be over $500?
I am quitting my corporate job. For a few days we thought I'd have to get a gap policy until I could get on my husbands insurance. It was $120 a month for myself and my daughter.
Yes the deductible was high $2500 (which btw, is better than my Citi policy the last 5 years), but couldn't you get a policy like that, and take the $500 a month you are paying and put it into a HSA?
Are different states different costs?
I am quitting my corporate job. For a few days we thought I'd have to get a gap policy until I could get on my husbands insurance. It was $120 a month for myself and my daughter.
Yes the deductible was high $2500 (which btw, is better than my Citi policy the last 5 years), but couldn't you get a policy like that, and take the $500 a month you are paying and put it into a HSA?
Are different states different costs?
JohnDaleswife
Sharing the same birthday with Donald Duck!
- Joined
- Mar 28, 2014
Well, I just can't work my budget around another $800 a month payment. What if it were to get up to a $2000-$2500 a month bill, and that is what it cost, could you work with that to? But you are correct, it is/will be pretty much out of anyone's control when they have to choose between a health insurance payment every month and whether or not to buy groceries or pay the power bill. It's coming.
havaneselover
Dreaming about a Disney cruise
- Joined
- Nov 9, 2009
To me it's like taxes. I can whine about them but really the only thing I can do to avoid them is die. As far as the hypothetical, to me it's too silly to consider that they could go up to $24-$30K/year when median household is about $52,000.
And the total cost for me and my children would be $800, but the net cost to me would be $450.
JohnDaleswife
Sharing the same birthday with Donald Duck!
- Joined
- Mar 28, 2014
I agree about it being like taxes. If fact, when talking about this topic with other people I have made that very statement. That we will just get to the point of just having to die because we won't be able to afford the insurance. But I feel ever so strongly that at some point in my life, and I believe there are others as of this moment, who are already having to make the choice between this bill and eating or paying the house payment.
I do predict that the rates will be unattainable for many in the future.
I do predict that the rates will be unattainable for many in the future.
bearzabout
DIS Veteran
- Joined
- Jun 20, 2000
Try calling your current insurance company and explain your issues. They may be able to suggest a better option. Individual plans may contain a 6 month waiting period before preexisting conditions are covered, which is not a problem if the person is healthy.
FYI - many car insurance policies have injury coverage included that becomes the primary coverage if a person in a car accident has no health insurance. This coverage varies by policy and state, but anyone thinking of going without health insurance should at least check what coverage they have for injuries from car accidents on their auto policy.
FYI - many car insurance policies have injury coverage included that becomes the primary coverage if a person in a car accident has no health insurance. This coverage varies by policy and state, but anyone thinking of going without health insurance should at least check what coverage they have for injuries from car accidents on their auto policy.
aprilgail
DIS Veteran
- Joined
- Nov 10, 2001
Sounds high to me- my insurance is covered for me and my family 100% by my former employer until kids are out of college (or 26 I believe). If you are married it covers you and you husband. I would not be amused paying 509.00- I would think that the father should be paying at least half of that bill on top of other child support.
wendow
We create happiness.
- Joined
- Feb 11, 2012
Consider yourself very fortunate! Your plan sounds great! Our old one (with $2500 ind deductibles) was almost $900 a month. Our new one (which is a catastrophic plan with a 10,000 deductible for the family...no individuals) is almost $500 per month. We have spent over $3,000 so far this year on medical and our insurance has not paid a single penny. These are employer-sponsored plans. Our open enrollment is coming in about a month, so I am trying to figure out if there is anyway to change things for the better for next year. Probably not.
AquamarineSteph
DIS Veteran
- Joined
- May 1, 2013
Different states have wildly different plans and costs available. Insurance can easily run over $500/month for one person. There are too many variables to list here, but it always pays to shop around and explore every option to see what is available in the state in which the person resides.
tvguy
Question anything the facts don't support.
- Joined
- Dec 15, 2003
I did work for a company that covered everything for free, but that was 26 years ago. Trust me, $509 .....if it isn't o average for a private sector worker.....it's close.
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