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Post by Deleted on Mar 25, 2018 6:44:24 GMT -5
As I’m learning how to adult over here, I’m wondering what I do for health insurance for the month or 2 when my divorce is final and I’m without my husbands and not yet employed. This is a potential for me.
Can I be without health insurance for 1-2 months? Do I need to pay a penalty? How much is it?
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Post by greatcoastal on Mar 25, 2018 11:12:58 GMT -5
Don't take what I say as gospel, this is new territory for me as well.
1) Continued health coverage can be part of your divorce agreement. You can negotiate the amount of time.
2) There is cobra , which the other spouse will have to pay for.
3) If you remain unemployed and are recieving alimony and child support you most likely will be eligible for medicare.
Once you sign up you are still eligible to recieve it for a year.Even if you get employed a month later.
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Post by northstarmom on Mar 25, 2018 11:23:13 GMT -5
Negotiate it in your divorce settlement.
At 61 when I divorced, I paid $600 a month to continue my health insurance under my husband’s plan. If you are younger, you’d pay less. You also could by insurance on the open market. I don’t suggest going without as if you become ill, the financial consequences could be high.
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Post by greatcoastal on Mar 25, 2018 11:43:32 GMT -5
What about your auto insurance?
In some cases your health coverage will last another 60 days. His employer may cover that.
If you want to go without for a month or two that is a choice.
Driving without auto insurance will get you a ticket and/or arrested.
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Post by Deleted on Mar 25, 2018 13:53:04 GMT -5
Thank you guys! So in other words, this is not a reason to delay finalizing divorce, as my STBX says it is. I just really want it done by July. Probably because that was the exit date in my mind for all these years and I kind of like to be on schedule. ;-)
Also, I’d like him out before the kids start back to school in August. We need to start our new normal.
If we finalize in July and I start a FT job in late August, early September, it sounds like I can just pay for continued health insurance for a month or 2. Question for my lawyer...
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Post by northstarmom on Mar 26, 2018 11:38:37 GMT -5
You also can call the insurance company and find out how to extend and what the payment will be. That’s how I got my info. The cost varies by insurance company. Your lawyer won’t know it. The companies are used to finding out the info.
If you get mental health benefits I suggest that you use them as the support is helpful while divorcing.
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Post by elynne on Mar 27, 2018 3:09:14 GMT -5
Thank you guys! So in other words, this is not a reason to delay finalizing divorce, as my STBX says it is. I just really want it done by July. Probably because that was the exit date in my mind for all these years and I kind of like to be on schedule. ;-) Also, I’d like him out before the kids start back to school in August. We need to start our new normal. If we finalize in July and I start a FT job in late August, early September, it sounds like I can just pay for continued health insurance for a month or 2. Question for my lawyer... Or move to Holland, where my health insurance is €220 per month and covers eye exams, prescription medication and dental for me and my kids! No co-pay. Got to love socialized medicine. |
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Post by Deleted on Mar 27, 2018 6:23:26 GMT -5
elynne, I would move there in a heartbeat.
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Post by shamwow on Mar 27, 2018 8:31:15 GMT -5
As I’m learning how to adult over here, I’m wondering what I do for health insurance for the month or 2 when my divorce is final and I’m without my husbands and not yet employed. This is a potential for me. Can I be without health insurance for 1-2 months? Do I need to pay a penalty? How much is it? As part of our decree my ex was able to stay on my insurance (we wrote it in) for a couple months and she paid me for the premium. You might want this ask your attorney if that is legal where you live. |
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Post by Dan on Mar 28, 2018 9:31:25 GMT -5
You also can call the insurance company and find out how to extend and what the payment will be. That’s how I got my info. The cost varies by insurance company. Your lawyer won’t know it. The companies are used to finding out the info. If you get mental health benefits I suggest that you use them as the support is helpful while divorcing. +1: call your INSURANCE company, and get the info for free. Don't ask your lawyer, who will a) charge your for the call or email, b) refer you to your insurance company. Once you find out the options and cost, then let your lawyer know "I want this in the agreement; write it in." Update: Also note: having a job on the horizon is great, but: a) have a plan if that job disappears before you get there, b) many employers don't make you eligible for their health plan until you've been an employee for 3 or 6 months. Having the OPTION to stay on your H's health plan for six months (or at least until his next open enrollment) would be a convenient safety net, and if you are paying him for it until you don't need it, then no skin off his nose. |
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Post by WindSister on Mar 28, 2018 10:40:57 GMT -5
So glad there are smart people with the legal stuff here to help you, Elle. You got this.
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Post by Deleted on Mar 29, 2018 21:51:42 GMT -5
So glad there are smart people with the legal stuff here to help you, Elle. You got this. Thanks! Me too! And thanks Dan and shamwow. I'll call my insurance company instead of my lawyer. |
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Post by shamwow on Mar 30, 2018 3:33:38 GMT -5
So glad there are smart people with the legal stuff here to help you, Elle. You got this. Thanks! Me too! And thanks Dan and shamwow. I'll call my insurance company instead of my lawyer. So a couple other options you may have. If you do not yet have a job someone suggested Medicare. I believe they meant medicaid. Not to get political, but if you are in a minimal income situation many of the plans at www.healthcare.gov (Obamacare) can provide coverage with a subsidy that covers your entire premium. Also, I used to get self coverage at www.ehealthinsurance.com. They have short term bridge plans as well as non traditional "medishare" plans where private people pool together. Just a few options that popped in my head. |
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