What happens if I change my name while I’m still on my mom’s insurance?
I’m planning to legally change my name in the next few weeks. I’m currently covered by my mom’s health insurance for a few more years, until I hopefully marry my fiancé this spring and switch to our own plan.
My mom is unaware of my name change and I intend to keep it that way. Will her insurance drop me because the name on their records won’t match my new legal name? If that happens, will they inform her?
I’m in Colorado if that makes a difference. Thanks for your help!
Edit: To clarify, I don’t want to remain on her insurance because she’s unsupportive, and I plan to cut contact soon. I just want to keep my name change private.
Changing your name while you’re covered under your mom’s insurance should not automatically result in you being dropped from the plan. Insurers primarily look for the individual’s identification number rather than the exact name matching the one on file. However, there are a few things to consider:
Insurance Provider Policies: Each insurance provider has its own policies. While a name change might not lead to immediate cancellation, it could be wise to check directly with the insurer to understand their protocol around name changes.
Notification: Typically, insurance providers do not notify the policyholder about name changes unless there is a discrepancy or issue that arises, such as billing or claims being denied because of the name confusion.
Future Coverage: Since you mentioned plans to get on your fiancé’s insurance soon, it may be a good idea to weigh how changing your name could impact any transitions.
Potential Issues: If any claims or healthcare services are processed under your new name, it might lead to complications if not communicated properly with the insurance provider.
If you’re aiming to keep your name change private from your mom while you’re still on her insurance, you might have to navigate situations like doctor’s appointments or prescriptions where the name might come up.
If you’re concerned about privacy and support, consider exploring your own health insurance options sooner than later, especially if you’re planning on going no contact with your mom. Best of luck with your name change and future plans!