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I do not know about over the counter stuff but I would get in touch with some sort of legal service. I believe it is against the law or something like that to just remove children from a parent's insurance. Did he tell you that? Or did you find out because your kids needed a doc or meds and they were denied. If you are basing this off of what he says then you need to call the insurance company and confirm. Open enrollment for insurances is in October or November and that is when you make changes. You cant just change things whenever you want .
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