EOB's, Divorce and Custody

I have seen many cases where a divorce judgment or custody order says the parents are to split 'non-covered' medical expenses for the children.   Then, one parent brings the other parent to court -- claiming they're in "contempt of court" for failing to pay their share.  Problem:  What is the amount of those "non-covered" expenses?

Every time someone presents a medical-insurance card at a doctor's office, the insurance company will generate an 'Explanation of Benefits' form, also called an 'EOB.'  This form will list the original cost of the treatment or procedure, the discount granted to the insurance company (for being part of their network), the amount to the insurance company is going to pay, and the remaining amount.  It is this remaining amount, the patient's share, that is the true "non-covered" expense.

So... if you have a judgment or child-support order, and the other parent is giving you an invoice or bill sent directly from a doctor's office or hospital, don't believe it!  Those raw bills are not the true picture of what is owed.  Make sure to request a copy of the 'EOB' form for each treatment date.  If you have the insurance (through your company, for example) then download or request the EOBs yourself!  Those can paint a very-different picture (very different) from simply looking at raw bills or invoices from treatment providers, doctors or hospitals.

For more information, or to schedule a $50 analysis of your situation, please call my personal cell number 312-493-4241.

- Kevin J.

www.divorce.nu

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