What happens if I change my name while on my mom’s insurance?
I’m planning to legally change my name in the next few weeks. Currently, I’m still covered under my mom’s health insurance, and I’ll be on it for a few more years or until I marry my fiancé this spring and switch to our own plan.
My mom is unaware of my name change, and I don’t intend to inform her. Will her insurance drop me since my legal name will no longer match the name on their records? If that happens, will they notify her?
I’m located in Colorado, in case that matters. Thanks for your help!
Edit: I should clarify that I don’t want to stay on her insurance because she’s unsupportive, and I plan on going no contact with her soon. I just want to keep my name change private.
When you change your name legally, it’s important to consider how that might impact your health insurance coverage, especially if you’re on your mom’s plan. Here are some things to keep in mind:
Insurance Policy Names: Insurance companies typically require that the name on the policy matches the name of the insured individual. If you change your name, it could create discrepancies in their records.
Notification: Insurance companies may not immediately kick you off the plan if your name changes, but they could flag it when they process claims or review coverage. If they do notice the discrepancy, they might reach out to the policyholder (your mom) to clarify the situation.
Procedure After Name Change: It’s a good idea to contact your mom’s insurance company directly to ask how name changes are handled while on her policy. Policies can vary, and they may have specific procedures in place.
Future Coverage: If you plan on transitioning to your fiancé’s insurance soon, it may be worth waiting until you’re covered under that plan to change your name, especially if you’d prefer to avoid complications.
Legal Considerations: Since you’re in Colorado, you may want to consult a legal expert or someone familiar with insurance law in your state to understand your rights and what steps to take after your name change.
Remember, while it’s understandable to want to keep your name change private, ensuring there aren’t any unexpected repercussions with your insurance coverage is essential.