If my girlfriend cancels my dental insurance after we break up will i be charged in full for all my bills?
My girlfriend and I are in a bad situation and I think its time to leave, the only problem is that she is covering me under her dental insurance?
What would happen if she removes me from her policy after we break up?
(HumanaDental if that helps me)
Tagged with: bad situation • Dental Insurance • girlfriend • humanadental • insurance
Filed under: Dental Insurance
Any services you had before the date the plan ends will still be covered. Any services after the termination date will not be covered at all. You want to be careful about getting services after the break-up and before you are notified it is cancelled, because she might have the termination backdated. For instance, if you break up June 1st, but her employer doesn’t notify the insurance to cancel your coverage until August, you’ll show up as still being covered until August—BUT they’ll tell the insurance to end your coverage BACK to June 1st, since that’s when you were no longer eligible, since you broke up. So any services they paid between June and August, they’d collect back, leaving you liable. So it’d be best to not have services after you break up, even if the insurance tells you you’re still covered—they may just not have been notified to cancel it yet.
Simple: you are responsible. I doubt that you are truly eligible under her policy anyway since you are not married.
If she removes you you will have no dental insurance.
She can’t cancel you until open enrollment.
It’s pretty unusual that she has you covered, unless she lied and said you were her husband - in which case, she’ll need to provide divorce papers to cancel you. If she THEN claims you were never married, then they will require you - or maybe her - to pay back every cent they ever paid on your behalf, as it was paid out due to fraud.
if the ins has already paid for what you have done than that is covered..lets say you had dental work done 2 months ago and the ins paid .that is cover but lets say you have a appt in a month and she canceled before you go to the dentist than you have to pay the full price.
You will have to either get your own policy or not have insurance. It isn’t usually possible to cover people who aren’t your family under insurance so you were lucky to have it at all.