People don’t give their Orlando health insurance too much thought when filing for divorce. However, arrangements will need to be made to continue coverage.
“When people get married, they usually figure they’re going to be together for a long time to come. Unfortunately, these days, the divorce rates are quite high. One casualty of the divorce that people don’t tend to think about is their Orlando health insurance,” said Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.
Whether a person is covered by their spouse’s insurance policy through their job or the insurance was bought from a private company, the spouses need to make some kind of arrangements about continued health insurance coverage. “If you’re wondering what you can do in a situation like this, I have a few tips that might come in handy. One of those tips is to join COBRA, but, only if you have a pre-existing condition. This federal law lets employees keep their health insurance coverage under an employer’s plan just so long as they keep paying the premium,” Tunis said.
Of interest is also the fact that the law allows spouses and other family members to keep getting coverage for up to three years after a divorce. “Yes, the premiums for COBRA are pricey, but if you are stuck, you at least have the option open until you can find Orlando health insurance through other means. This is really useful for those with pre-existing conditions; people who may have problems getting insurance from someone else,” Tunis said.
“Another thing to try is buying your own health insurance,” Tunis said. “Ask your employer if you can get on your company health plan, if they happen to have one. Don’t be too surprised to find out they may have a specific enrollment period to add new members. No company plan? Then you may need to opt for an individual Orlando health insurance policy, which is quite a liberating move when you’re involved in a divorce situation.”
When all else fails, there is the option of requesting a spouse keep the other member on their insurance policy. In other words, it would be mandated through the provisions of the divorce. This is a wise move if there are kids involved. In the alternative, a sum of money can be requested to help pay for insurance.
“For example, if you buy individual health insurance, you could ask that your spouse pay half. Make sure you have a good divorce lawyer in situations like this,” Tunis said.