How can I fix this?

Extremely frustrated. I have Kaiser and work for the government so my plan is amazing. Prior to this year I had never received a medical bill unless I forgot to pay a copay while I was at the doctors. I’ve learned how to deal with the system and am very adept at managing both my kids appts.

Then, my husband decided to sign up for a high deductible plan at work because “it’s a free $2,400 if we sign up, and since then it’s a nightmare. I found out through the third party therapist my son is seeing that we now have to go through that insurance first before Kaiser will cover anything. And both my kids have this useless insurance plan as their primary because of “the birthday rule.”

This has led to all sorts of high medical bills, and I have to be on the phone with Kaiser billing to sort it out all the time. They always say it’s because of this being my son’s primary insurance that billing got messed up and just to wait until everything goes through. In the meantime while they “sort it out” I’m still receiving late payment charges that are racking up.

He refuses to handle the healthcare, and refuses to not sign up for the plan again. Our son has a lot of medical needs and I just cannot keep doing this, it was so much more simple before. My question is, do I have any authority to get my kids off this plan?