If you share joint custody: You and your ex-spouse both will probably need to add the young drivers to your car insurance policies if the kids have regular access to cars at both homes. If your ex has primary custody: The teen drivers should be listed on your ex-spouse’s policy.

Do parents split health insurance?

Nearly every California child support order has a provision for health insurance, but health insurance coverage is separate from child support. In fact, the parent responsible for providing insurance may not be the parent paying child support.

How do divorced parents insure their teen drivers?

If the teen will be driving a vehicle at both parents’ homes, then the teen should be listed on both policies. The parent not listing the kids should still talk to an insurance agent. The insurance agent will often request a copy of your former spouse’s car insurance declaration page showing the kids listed as drivers.

Can a child be covered by both parents insurance?

The rules for whether kids should be listed on one or both parents’ policies are tricky because they vary by situation and by insurance company. In general, some guidelines apply — but the only way to know for sure whether your child is properly covered is for both you and your ex to check with your insurance companies or agents.

Can a parent have a secondary health insurance plan?

This is only true if the secondary plan includes medical care as part of its covered benefits. Insurers won’t compensate for services that are not covered in their health policies. In the case divorced couples, it is common to find that each parent has listed their children on their individual plans.

What happens to your children’s health insurance after a divorce?

If the health insurance company that typically covers the children doesn’t write insurance policies in the new state, it will be up to the parents to figure out how to get health insurance coverage for the children in the new state. They’ll likely head back to court to work out the details.

When do two parents have group health insurance?

Generally, two parents who are enrolled in group health plans follow what we call the “birthday rule”, when it comes to coordinating coverage for their children or dependents. Note that this procedure is an informal one, but has since been widely accepted by companies in the health insurance industry.