My question involves a child custody case from the State of: Alabama
According to our divorce decree "Husband shall provide and be responsible for health, hospital and major medical insurance coverage for the minor children of the parties. The parties shall divide the cost of any non-covered reasonably necessary major medical, dental, orthodontic, hospitalization, prescription drug, psychiatric and optical expenses for the minor children with the husband paying 60% and Wife paying 40% thereof."
This year my ex-husband elected to change from traditional coverage plan ($30 office copay, $1,000 deductible) to an HSA plan. Under the HSA plan each of our children have a $5,000 deductible. No medical expenses are covered until the deductible is met. His employer funds a portion of an HSA account which is supposed to cover a some of the out of pocket expenses up to the deductible. This move was optional, the traditional plan with higher coverage levels was still available.
This change leaves my out of pocket medical expenses (at 40%) much higher than under a plan with copays and coinsurance. For a regular visit to the pediatrician, in the past I would have paid $12 (40% of the copay) Now if the visit is $230 I pay $92.00 (40% of billed charges). With four children the visits add up. I do not benefit from any of the employer paid contributions, or other benefits from the HSA account.
Do I have any legal recourse?
According to our divorce decree "Husband shall provide and be responsible for health, hospital and major medical insurance coverage for the minor children of the parties. The parties shall divide the cost of any non-covered reasonably necessary major medical, dental, orthodontic, hospitalization, prescription drug, psychiatric and optical expenses for the minor children with the husband paying 60% and Wife paying 40% thereof."
This year my ex-husband elected to change from traditional coverage plan ($30 office copay, $1,000 deductible) to an HSA plan. Under the HSA plan each of our children have a $5,000 deductible. No medical expenses are covered until the deductible is met. His employer funds a portion of an HSA account which is supposed to cover a some of the out of pocket expenses up to the deductible. This move was optional, the traditional plan with higher coverage levels was still available.
This change leaves my out of pocket medical expenses (at 40%) much higher than under a plan with copays and coinsurance. For a regular visit to the pediatrician, in the past I would have paid $12 (40% of the copay) Now if the visit is $230 I pay $92.00 (40% of billed charges). With four children the visits add up. I do not benefit from any of the employer paid contributions, or other benefits from the HSA account.
Do I have any legal recourse?
Expenses: Medical Expenses Under New HSA Plan
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