What happens if I change my name while I’m on my mom’s insurance?
I’m planning to legally change my name in the next few weeks. I’m currently covered under my mom’s health insurance for a few more years, until I marry my fiancé this spring and switch to our own plan.
My mom is unaware of my decision to change my name, and I don’t intend to inform her. Will her insurance automatically terminate my coverage once my legal name no longer matches the name on their records? If that occurs, will they inform her?
Just to clarify, I don’t want to remain on her insurance as she has been unsupportive, and I plan to go no contact soon. I just want to ensure she doesn’t find out about my legal name change.
Thanks for your input! I’m in Colorado, by the way.
Changing your name while covered under your mom’s insurance shouldn’t automatically result in being kicked off the plan. However, it’s important to understand a few things:
Insurance Policies Vary: Each insurance policy can have different rules regarding name changes. Generally, they require that the name on the policy matches the legal name of the individual for claims and billing purposes.
Notification: If you change your name and it is not updated with your mom’s insurance provider, it could cause issues with claims or medical appointments where your name might not match the insurance information. If there’s a need for them to reach out for verification or if there are billing discrepancies, there is a chance your mom could be notified.
Future Plans: Since you mentioned that you plan to move to your fiancé’s insurance soon, the possible complications with your current insurance may be temporary. It’s important to ensure your new plan can accommodate your name change.
Legal Name Change: You might want to consider how and when you update the insurance. If you want to keep it private, be mindful when and how you inform the insurance company about your name change.
In summary, while it’s likely that you won’t be immediately kicked off, not updating your name could lead to complications. If keeping this private is critical for you, you may want to consult with the insurance provider about the best approach to avoid complications while maintaining your privacy.