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What is a National Medical Support Order (NMSO)?
Answer in detail:
The NMSN is a notice sent to employers from the child support enforcement agency. The NMSN is ordering you as an employer to enroll your employee�s child in your employer-provided health insurance coverage pursuant to a Qualified Medical Support Order (QMSO).
Its purpose is to ensure that children receive health care coverage when it is available and required as part of a child support order. It is designed to simplify the work of employers and plan administrators by providing uniform documents requesting health care coverage.
The NMSN/QMSO is divided into Part A and Part B. Part A is a Notice to Withhold for Health Care Coverage, the Employer's Response, and Instructions. Part B is a Medical Support Notice to the Plan Administrator, the Plan Administrator Response, and Instructions.
Payments deducted from an employee's pay pursuant to enrollment in health insurance pursuant to a NMSN/QMSO, are subject to Consumer Credit Protection Act (CCPA) limits.
It is at this point that the employer may determine that the premium and ongoing child support exceed the Consumer Credit Protection Act (CCPA) limits under the state priority for withholding. If so, the employer will notify the child support enforcement agency, using the "Employer Response".
The employer completes Part A if the employee is not eligible for health insurance, if the employee has been terminated, or if there is not enough disposable income to cover the health care premiums. If the employee is not eligible or is no longer employed, the employer returns the completed Part A to the child support agency and discards Part B.
If the employer determines that the employee is eligible, the employer forwards Part B to the Plan Administrator. The Plan Administrator completes Part B and returns it to the child support enforcement agency. The Plan Administrator may enroll the child in existing coverage or notify the child support agency of options for the custodial parent to choose from. Once the child is enrolled in a plan, the plan administrator will notify the employer of the proper premium deduction. The Plan Administrator may take whatever steps are necessary to enroll the child(ren) pursuant to the order to enroll.
STATE OF INDIANA - DEPARTMENT OF CHILD SERVICES
