health insurance after divorce" />Many marriages maintain one medical insurance plan for the entire family because it is cheaper and easier to maintain. In some cases, the spouse who does not work cannot afford a separate coverage plan and must rely on their spouse’s. Many employers in the United States will establish the most qualified candidate as per all eligible requirements.
One of the most complicated issues to sort out after divorce is the shared health insurance plan. The non-subscribing partner will not be an eligible candidate for health insurance and cannot remain in their ex’s health coverage policy. It helps to know all the details regarding your healthcare after divorce and negotiate an affordable and sensible settlement.
Separation and health insurance
Several legal situations influence your health insurance policy, but separation is not of them. You can stay in your spouse’s policy after separation and only adhere to specific rules as required by the insurance company or state. As such, you only have to learn more about the effects of divorce on your shared health insurance plan.
Tips of choosing health insurance after divorce
Pay via the spouse’s existing plan
Some insurance providers allow one to stay in their spouse’s plan for up to 36 months after the divorce, as per the federal COBRA regulations. Some may be eligible for extended COBRA coverages if the spouse works for a small employer. It is best to determine whether the provider requires you to cover specific premiums and all the required administrative fees that support the plan.
The extended coverage plans are also relevant to members who lose their spouses through natural ways like death. Many states allow this kind of plan and offer instructions for you to continue enjoying the coverage at affordable rates.
Get the employer’s coverage plan.
It may be time to follow up with your employer if you cannot access your partner’s plan. The cost-effective option is to start a separate coverage policy that covers all necessary health needs.
Buy a short-term insurance plan.
Getting a short-term insurance plan is the best way to bridge the gap between your former coverage and a more permanent solution. The short-term solution goes a long way in affording you basic coverage as you transition from an effective insurance program. The short-term coverage can be as short as 24 hours or last up to one year, depending on your needs and the state of residence. Some of these plans allow doctors of their choice or maintain the same doctors from the insurance’s network.
Where to get the best health insurance after divorce
Fast Health Quotes offers a portal for you to get hundreds of affordable health insurance policies. Shop online by using our tools to compare different quotes as you find helpful data to choose a suitable program.
There are cons and pros to every health insurance plan you choose via Fast Health Quotes. Talk to one of our experienced officials at +1(855)-249-4939 for in-depth details of our services, or get a quote online for any preferred insurance policy.
View Larger Map