Baby dental insurance claim question
I am not on good speaking terms with my X-wife however, we have two children that are four and seven years old. My seven year old son had to go to the dentist for three fillings. Which just get me upset that she is not on top of his teeth care. (note he is with her most of the time I only get to see my sons twice a month for two week ends a month. )
Any way the deal is she has our boys on her dental insurance plan though Delta Dental and I pay for all the co payments still do the dentist. However she goes to a dental that makes her pay in full for the dental services and then shes get the refund back form the insurance company.
This makes me left paying the complete dental bill. The problem is since the dental insurance is in her name and not mine they send the refund to my wife payable to my wife. Then I have to fight to get this money back or she would just keep it to spend on herself. I am left never knowing if she is really given me back all the money that was due me. As well as having to wait five times longer to get back what I do get.
Is there anyway to get the insurance company to give me the refund that is due me? And not to keep sending it to her? If so how do I go about it?
Related posts:
- Dental question, Can a child get Gingivitis
- Dental question, How are different teeth refer to by a dentist.
- Getting dental insurance for a six year old
- Dental, Orthodontic question about Baby teeth.
- Tooth Extraction, To pull or not to pull that is the question
- Baby teeth, Wierd baby tooth question
- Baby Dental Insurance, The benefits of geting dental insurance for you family
- Poop question regarding baby
- Baby Teeth Question
- Baby Teeth question
- Newborn question, do you wake your baby to nurse.
- Baby dental insurance, Getting family dental insurance in Georgia
- Potty training question
- Floridia dental care for babies, Fillings needed no dental insurance
- Dental Insurance for Children Space Maintainers
Tuesday, Aug. 31st 2010 8:21 AM at 8:21 am
The truth is it seems to me you are in a tight spot. If the dental insurance is in her name you may not get much information from the insurance due to privacy issues. The dental office would not be any help since you are paying them in full.
My thinking is you have a right to get a copy of the check she received from the dental insurance company so that she she gives you the money back you can see that you are receiving the full amount due you
Tuesday, Aug. 31st 2010 8:24 AM at 8:24 am
I would first confirm with the dental office that you do in deed need to pay in full for their dental services. I would see about making them bill the insurance company and then you pay the remaining balance due them. If you been with this dentist for a long period of time I would try seeing if they would work things out with you. The dental office may be willing to do this if you have good enough credit. That way you do not have to feel like you are being cheated by your X wife.
Tuesday, Aug. 31st 2010 8:26 AM at 8:26 am
I would try talking to her about changing dentist. Tell her you would like the children to go to a dentist that will bill the insurance company first and then send you the bill for the remaining balance due. If she has a PPO dental insurance plan see if she is willing to choose a dentist that is in the plan network. Most in network dentist will send the bill to the insurance company first and bill you for the remaining charges.
Tuesday, Aug. 31st 2010 8:29 AM at 8:29 am
Well if you are not on good speaking terms with you X wife I am not sure how much you can really talk to her. Seems to me you are a little suck with how things are unless you get her to work things out better.
I not sure how much you want to fight over dental office and insurance. I would so far the suggestion are good ones but you need to sit down with your wife because it take two do do the changes suggested.
Tuesday, Aug. 31st 2010 8:33 AM at 8:33 am
Sounds like another bitter X-wife move to me. She may be giving you back all the money but she makes sure she keeps you in the dark about it.
Hopefully your children do not need much dental work so that you are only having to deal with two times a year. It that is the case I would let it go not worth fighting over.
However if your children have larger dental needs then maybe pick up the dental insurance for your kids and bill her for the premium due on the insurance. That way you are the one dealing with the dental insurance since it is you paying for the claims.
Tuesday, Aug. 31st 2010 8:54 AM at 8:54 am
Well you sound like a jerk to me. First you blaming your X-wife for your son cavities. Your son is old enough to know how to brush and floss his own teeth.
You only see him for four days out of the month (your words.) Your X wife is taking care of them the rest of the time. How do you know she not making them brush?
Some kids have week tooth enamel so they get cavities easily. Or your son may not be brushing well enough when he does brush. Kids get cavities maybe you should think about getting him dental sealants which would help prevent him from future cavities if you are so upset about this.
As for claims I have to pay my dental bills in full too and sometime I am waiting over a month to get my money back from the insurance company. You think she just sitting on the check but she may not be getting it as fast as you think she does.
Anyway if you sit down like normal people and talk things out you maybe able to get her to pay the dental billing and then she can bill you for any adjusted differences.
That is how my X and and I worked things out. I send him the billing from the dental office with a copy of what was paid by the insurance company. He then either drops me off a check in the mail or gives me the adjusted difference when he pick up our kids.