Couples know that a divorce can bring both welcome and unwelcome changes. Since married couples and families are usually on the same health insurance plan, often their coverage will change after a divorce. This can leave one spouse, who had been covered by the other's employee benefits since the start of the marriage, without adequate coverage. Luckily, those going through divorce have many different medical insurance options during this trying time. If you are considering a divorce, it is important to evaluate your health insurance options to prepare for the future.
Temporarily continue coverage under your ex-spouses' insurance policy:
The Consolidated Omnibus Budget Reconciliation (COBRA) Act is a federal law that allows the family members of employees to continue receiving health insurance coverage for up to three years after a divorce, death, loss of job, or other circumstances. The plan automatically terminates if you re-marry or obtain insurance coverage of your own within the three-year window. Although the plan was designed to protect workers and their families, the premiums and fees for COBRA coverage are very high compared to other insurance options, and as a result, many people simply cannot afford them. In addition, if a person develops a medical condition under their COBRA plan, they may have difficulty securing another plan later because of their preexisting condition.
Secure coverage from your current employer:
If you are currently working but obtaining health insurance from your spouse's coverage, examine your own employer's medical insurance options. Even if it was cheaper to have your spouse's insurance previously, you may find an affordable, quality option with your own employer.
Purchase an individual health insurance plan:
There are various insurance plans available to individuals. Although they are often more expensive than plans offered to married couples, affordable, high-quality options do exist. Speak with different health insurance agents to determine if there is an option that is right for you and your current situation.
Ask for insurance coverage as part of your divorce settlement:
If you find your own insurance separately from your ex-spouse, you may still be able to receive partial compensation from your ex-spouse to help cover your medical costs. If children are involved, you may be able to secure health insurance for them and possibly yourself as well in your child support agreement.
If you are currently dealing with a divorce, Your divorce lawyer or separation lawyer can further explain your health insurance options and can help you make informed decisions about preparing for your future. For more information or legal advice about divorce, separation, child support, alimony payments, and other divorce-related issues, contact a Raleigh divorce attorney from the Marshall & Taylor Law Firm.
Joseph Devine
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