I appreciate your response but again I am not looking for a family law
response here-I have that angle well covered. I specifically posted this question to understand the specifics of the HIPPA law and I apologize if that wasn't clear. HIPPA is an issue because the insurance companies are citing HIPPA as the reason they cannot talk to me.I believe I have found my answer from another source. Last night a friend connected me with someone they know who works at the federal government in Health and Human Services. I learned that,
-HIPPA law section 45 CFR 164.502(g) specifically states that parents with legal custody (joint or sole) are considered a minor’s personal representative and are authorized to act in place of the minor in all dealings with a covered entity. An insurance company is included in the definition of a covered entity.
-In addition, many state laws also give custodial parents
the right to interact with insurance companies. For example, Virginia Code Title 38.2-3401.2, C. says “Any insurer, health services plan, or health maintenance organization providing coverage to the child of a noncustodial parent shall (i) provide to the custodial parent, upon request, any information that is necessary to obtain benefits for such child under such coverage; (ii) permit the custodial parent, or the provider of health services if approved by the custodial parent, to submit claims for services without the approval of the noncustodial parent; and (iii) make payment on claims submitted pursuant to clause (ii) directly to such custodial parent, provider, or the Department of Medical Assistance Services.” The governing state law is determined by the state the insurance policy is incorporated in, and these provisions are often described in insurance laws, not the family court laws.