Navigating a divorce or separation is undoubtedly a difficult process. However, it’s crucial to address the changes that will occur in your health insurance coverage and make necessary updates before finalizing the legal proceedings.
Here are some key points to consider regarding your health insurance needs during this transition:
- Continued Coverage: Depending on the circumstances, you may be eligible to remain on your spouse’s health insurance plan for up to 36 months
- Explore the option of COBRA coverage, which allows you to continue the same coverage through your spouse’s employer
- Insurance Exchange Policies: Investigate insurance plans available through the exchange. These policies may offer more affordable premiums and better coverage compared to COBRA
- Employer Coverage: If you need to seek coverage through your employer, check if they have a special provision that allows you to enroll in their plan due to a change in marital status
- Timing of Policy Changes: It’s important to note that you cannot remove your spouse from your health insurance policy until the divorce is finalized and the case is closed
- If there are significant changes in circumstances, such as a legal separation, you may be able to make adjustments before the divorce is officially ended
While divorce brings its challenges, ensuring appropriate health insurance coverage doesn’t have to be one of them.
Planning and understanding your options allows you to navigate the changes smoothly and safeguard your health and well-being during this transition. Consult with professionals and make informed decisions to protect yourself and your future.
Our Collaborative Mental Health Professionals are available to assist all parties in overcoming obstacles that stand in the way of reaching an agreeable solution.
Family Divorce Solutions comprises well-respected, experienced and trained attorneys, mental health professionals, financial professionals, and child specialists who work as a team to reach a complete and satisfactory resolution for everyone involved.
Contact us today to see how we can help your family understanding of how your health insurance is impacted due to divorcing.
Utilizing the Los Angeles Consensual Dispute Resolution Family Law Association can ease your anxiety and stress because you will know that when your divorce is finalized, each party involved, including your children, will have worked with experts who were invested in the longevity of your family unit.
Call us today if you would like to learn more about how our members at the Los Angeles Consensual Dispute Resolution Family Law Association can help your family through divorce.
Note: This information is general in nature and should not be construed as legal/financial/tax/or mental health advice. You should work with your attorney, financial, mental health or tax professional to determine what will work best for your situation.