OK... first off.. the ONLY insurance company that I know of that has ANY right to tell you to go after child support is MEDICAID. Don't be ashamed of it. It is there to help. Use it! And YES they will cut you off in a heartbeat without a second thought. All you have to do is tell them you can not afford to file for child support yourself and every state has a district/commonwealth attorney that will file on your behalf. It is a free service to those recieving state assistance. They will take into consideration both parents income and make him pay a percentage...if he is in financial crisis with his new "family", that is NOT your problem. He can file for Medicaid too as far as that goes. Your only concern should be your son. His father helped make him, now it's time for him to own up and pay the price or he should have kept his "member" in his pants! Your son is owed this money, and he deserves to get it. If you don't stand up for him, no one will. It took me a while to stand up to my ex, but when I did he knew I was done playing his games and his "other situations" we NOT my problem. Good luck!