Qualified Medical Child Support Order (QMCSO) Overview

What's a QMCSO?

A QMCSO is designed to provide health coverage to a child(ren) of an employee through his or her employer's group health plan. The QMCSO process occurs through the court system.

A medical child support order becomes qualified as a QMCSO if it satisfies the employer's legal and administrative qualification requirements.

The Employee Retirement Income Security Act of 1974 (ERISA) and the employer's group health plan guide the employer's QMCSO process.

What's the Difference Between a QMCSO and a NMSN?

While both a QMCSO and a qualified National Medical Support Notice (NMSN) provide health coverage for children through a group health plan, the process in reaching this objective differs.

A medical child support order is a court order and must be signed by a judge before being submitted for qualification as a QMCSO. The NMSN process, meanwhile, primarily involves a state child support enforcement agency representing the interests of the children and submitting the notice for qualification.