{"id":719,"date":"2015-11-11T10:45:55","date_gmt":"2015-11-11T16:45:55","guid":{"rendered":"https:\/\/simplydivorce.me\/?p=719"},"modified":"2015-11-11T10:45:55","modified_gmt":"2015-11-11T16:45:55","slug":"tips-on-obtaining-health-insurance-after-divorce-dont-delay","status":"publish","type":"post","link":"https:\/\/simplydivorce.me\/tips-on-obtaining-health-insurance-after-divorce-dont-delay\/","title":{"rendered":"Tips on Obtaining Health Insurance After Divorce- DON”T DELAY!"},"content":{"rendered":"

Health insurance is often overlooked by couples when going through a divorce. \u00a0Often one spouse carried the insurance for the family on a group policy through her employer. \u00a0While that group coverage can continue for the employee spouse and the children, that coverage ends \u00a0for the non-employee spouse when the divorce has become final.<\/p>\n

This leaves the other spouse find individual health insurance coverage. \u00a0Health insurance is complicated and expensive. \u00a0There are many different levels of coverage, definite times of enrollment and varying levels of deductibles. \u00a0Here are a few tips to help you get started:<\/p>\n

    \n
  1. Give yourself TIME to figure it out. \u00a0Do not wait until after you are divorced to begin researching. \u00a0The health care marketplace can be confusing and a through comparison is necessary so you understand what you are buying.<\/li>\n
  2. Include the cost of health insurance in your expenses for spousal support purposes. \u00a0Do not guess at the cost. \u00a0It may be far higher than you expected and make a difference in the award.<\/li>\n
  3. Pay attention to deadlines. \u00a0This is very important. \u00a0You can only enroll in health care plans at certain times. \u00a0Currently we are in Open Enrollment through the end of the year. \u00a0However, you have 60 days<\/strong> from the date of the divorce decree to obtain insurance outside of the open enrollment period.<\/li>\n
  4. Understand what you are buying and all the options. \u00a0While COBRA is always available for a limited time post-divorce, it is usually expensive and may not be the coverage you need. Make sure you understand terms like “stacked deductible” and “co-insurance” before buying a plan. \u00a0See if your doctor is covered and what exactly is excluded from coverage. Also, make sure that if you choose a high-deductible plan you set aside the funds to pay for a medical emergency<\/li>\n<\/ol>\n

    Choosing health insurance coverage should be part of a well thought out plan for your life after divorce. Do your research and \u00a0don’t leave this expense off the table when planning for financial stability after a divorce.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Health insurance is often overlooked by couples when going through a divorce. \u00a0Often one spouse carried the insurance for the family on a group policy through her employer. \u00a0While that group coverage can continue for the employee spouse and the children, that coverage ends \u00a0for the non-employee spouse when the divorce has become final. This …<\/p>\n","protected":false},"author":5,"featured_media":602,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[11,9,4,5],"tags":[],"yoast_head":"\nTips on Obtaining Health Insurance After Divorce- DON"T DELAY! - Simply Divorce<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/simplydivorce.me\/tips-on-obtaining-health-insurance-after-divorce-dont-delay\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kim Vanderbrook\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/simplydivorce.me\/tips-on-obtaining-health-insurance-after-divorce-dont-delay\/\",\"url\":\"https:\/\/simplydivorce.me\/tips-on-obtaining-health-insurance-after-divorce-dont-delay\/\",\"name\":\"Tips on Obtaining Health Insurance After Divorce- DON\\\"T DELAY! - Simply Divorce\",\"isPartOf\":{\"@id\":\"https:\/\/simplydivorce.me\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/simplydivorce.me\/tips-on-obtaining-health-insurance-after-divorce-dont-delay\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/simplydivorce.me\/tips-on-obtaining-health-insurance-after-divorce-dont-delay\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/simplydivorce.me\/wp-content\/uploads\/2014\/02\/money-questionsfinancial-advice.jpg\",\"datePublished\":\"2015-11-11T16:45:55+00:00\",\"dateModified\":\"2015-11-11T16:45:55+00:00\",\"author\":{\"@id\":\"https:\/\/simplydivorce.me\/#\/schema\/person\/66e6cdd21759bff3da791112cfceb71b\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/simplydivorce.me\/tips-on-obtaining-health-insurance-after-divorce-dont-delay\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/simplydivorce.me\/tips-on-obtaining-health-insurance-after-divorce-dont-delay\/#primaryimage\",\"url\":\"https:\/\/simplydivorce.me\/wp-content\/uploads\/2014\/02\/money-questionsfinancial-advice.jpg\",\"contentUrl\":\"https:\/\/simplydivorce.me\/wp-content\/uploads\/2014\/02\/money-questionsfinancial-advice.jpg\",\"width\":693,\"height\":693},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/simplydivorce.me\/#website\",\"url\":\"https:\/\/simplydivorce.me\/\",\"name\":\"Simply Divorce\",\"description\":\"Resolution. 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