If he has purchased insurance coverage for your son and you decide to take your son to a different doctor so your ex-husband will still have to pay 56%, you will likely find yourself paying 100%. Judges do not like people playing those kids of games. Good luck!
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If you have your own insurance covering your child, you would not be required to use your ex-husband's insurance.
But, if you do not have insurance, and your ex-husband is now providing insurance that covers your child, as ordered by the court, you would be required to utilize his insurance coverage, or risk paying 100% of uninsured costs.
I understand that your son is comfortable with his doctor, and if you are willing to cover that cost yourself, then, by all means, go ahead and keep taking him to him. But, if you are not willing to shoulder the entire expense, you will need to find another doctor that participates with your ex-husband's insurance, that your son can also learn to be comfortable with.
We raised three children. We had to switch insurance and doctors many times during their growing-up years. If we didn't like a doctor, we found another. We got referrals from friends. We called the doctor's office and conducted a phone interview with the front desk staff, stating what we were looking for in a doctor and made decisions that way.
Best of luck to you,
John J. Keenan
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You need to use insurance. Perhaps the doctor would consider waiving the out-of-network fees? Or you could consider being solely responsible for the fees?
Contact me at 248-702-5303 for a free consultation. My answer to this question is for general informational purposes only and does not establish an attorney-client relationship. You should seek the assistance of an attorney to determine the best approach and potential consequences for your situation.
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