Health & MedicineDivorce & Health Insurance

Divorce & Health Insurance

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Recently, I had a question from someone who was going through a divorce and was concerned about lost health insurance coverage because she was covered under her husband’s insurance. She was concerned not just for herself, but for her children as well. 

This question comes up a lot. See if this answer helps you better understand what to do. If you have additional questions on this topic, feel free to add to the blog, and I’ll answer them.

Medical Insurance and Divorce

To answer your questions specifically, here are some ideas to consider.

  1. You and your children are automatically covered under your husband’s insurance as a dependent until you divorce.

2) When your divorce is final, you have the opportunity to continue your husband’s insurance by triggering what is called “COBRA”. (Note: there is another blog entry that defines COBRA.) This will continue your coverage for an additional 18 months; unfortunately, you will have to pay the full cost of the coverage (and the company can have you pay 102 – 105% of the coverage cost).

Your children, by law, will be covered under the parent’s coverage whose birth date occurs first in the calendar year.

  1. One suggestion is that when you hire an Attorney to assist with your divorce, you might want to ask, in the settlement negotiations, to have the price of the COBRA payments included in your settlement. 

This would be particularly important if you happen to have the early-in-the-year birth date, and will be paying for the children’s health insurance coverage. This cost should not have to come out of your child support, as it can be VERY EXPENSIVE.

  1. Whatever you decide to do, keep all documents together. Whenever you talk to anyone, document to whom you talk, get the name and telephone number, and what was said by all in the conversation as soon as possible after the conversation. In this way, you document what is said, and do not have to rely on memory. 

Also, when you send anything to anyone, keep a copy for yourself, and send it by registered mail, so that you have proof of receipt.

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