Are you currently going through the divorce process? It’s a difficult time and health insurance is usually the last thing on your mind. However, it’s something that needs to be addressed by both parties, as health insurance is typically provided by one person for the entire family through their job. After a divorce, the employer-based health insurance will no longer be available for the employee’s ex-wife or husband. But remember the divorce has to be finalized before you can drop the spouse which protects Floridians from spiteful ex-spouses. But still, this creates a difficult situation for the individual without health insurance. If you’re finding yourself in similar circumstances right now, you’ll want to read these important health insurance questions and answers. Florida is very similar to most states and their particular laws can be very stressful.
Can I stay on my spouses’ employment-based health insurance program after we’ve divorced?
Unfortunately, there are few, if any, circumstances that allow you to remain on your spouses’ employment-based health insurance program after divorce except COBRA. You may want to explore options under COBRA (The Consolidated Omnibus Budget Reconciliation Act), which allows you to stay on your spouses’ health insurance plan, but only for a maximum of 36 months and at a much higher rate.
What are my health insurance options after I’ve been divorced?
You can possibly remain on your spouses’ policy under COBRA, but it does expire in 36 months or if you remarry before then. Perhaps the best option involves obtaining coverage from your own job, if it is available. If not, you may try asking for some type of health insurance coverage in your divorce settlement. If that too is not possible, your last option is purchasing your own health care benefits plan. Many people cannot afford the same type of coverage they had under an employment based program, but it’s better than nothing.
How do I apply for COBRA coverage?
In most cases, you simply need to inform your spouses’ health plan administrator within sixty days of the divorce. After those sixty days, you cannot receive COBRA coverage at all.
What about our children?
If you have children under your spouses’ employment based health insurance plan, they can typically remain on that plan or switch to a different plan. It’s usually a decision worked out between both parties.