legally access DH
's dental insurance? She is NOT an authorized user. Only DH and I are supposed to have access to it. DH has not filled out any paperwork allowing BM access. Our entire family's information is filed under the insurance. Our address was changed to BM's address in the system. I checked our online account, and saw an EOB for SD
for a recent appointment (that DH didn't know anything about), so I opened it. It was addressed to DH at BM's address. So, I checked, and DH's address was listed as BM's address for the insurance. ALL paperwork for our family would have been sent there (hopefully they didn't send anything! The last mailing WE got was in February, and it was insurance cards). She does not have access to the online account (it's password protected), but, she could contact them via telephone, email, or USPS. All she'd need is DH's full name, DOB, and his SSN (which is the policy number) to access the account.
DH has contacted the dentist and orthodontist to verify his contact information in SD's file (to prove that they have DH's address as a different address than what the EOB listed, in case BM tries to claim somehow the dentist or orthodontist changed it), and we have the EOB showing her address in case we need to prove it.
We will be password protecting the account for telephone, email, and USPS requests. We will be doing the same for the medical insurance. (There's no reason BM needs to access the insurance. She has all the information needed to use it to file claims, and DH is COed to provide the insurance, and pay any co-pays and uncovered expenses).
Can she legally access HIS account if she's not an authorized user and there's no way to access JUST SD's information (again, the account shows EVERYONE)? If not, what can we do about it?