Westfield Mediation, LLC
  • Home
  • About us
  • Mediation Services
  • Resources
  • FAQ
  • Contact us
  • Blog

Health insurance options and divorce

5/1/2015

0 Comments

 
Insurance companies are able to provide insurance to an employee and his/her family members.  An ex-spouse is no longer a family member and eligible for coverage.  If you are in the process of getting a divorce then you need to plan for how you will have health insurance once your divorce is finalized.  At Westfield Mediation, LLC, we help our clients figure out this concern during the divorce mediation process.

No one wants you to go without health insurance, so you do have options. The soon-to-be-uninsured can keep the same coverage as when s/he was married if s/he is able to pay for COBRA coverage.  You are eligible for COBRA coverage for a maximum of 36 months from the date the divorce is finalized.  However, COBRA can be extremely expensive and cost prohibitive.  Some spouses are able to obtain health insurance from his/her own employer.  Perhaps you did not pursue this option before because you had better coverage through your spouse’s employer.  Divorce is considered a life-altering event, and you can opt in to health insurance after the divorce even if it is not during open enrollment.  If insurance is not an option through employment, then you can enroll in Obamacare.  Again, because divorce is a life-altering event, you do not have to wait until open enrollment for your coverage to begin. 

The cost of the newly acquired health insurance is something that can be negotiated during divorce mediation.  You need to do your research, find out various costs and investigate your options. We have had couples agree that the employed spouse would pay for the COBRA coverage for three years while the unemployed spouse looked for a job.  We have also had couples agree to an initial increase in spousal support to help offset the cost of acquiring health insurance.  A mediator can help you figure out what works best for your situation, so no one has to be uninsured. 

For more information about divorce mediation contact Randi M. Albert, JD, or Michelle Weinberg, LMFT, at Westfield Mediation, LLC, at 908.913.0373.  View our website at www.westfieldnjmediation.com or email us at info@westfieldnjmediation.com. 


0 Comments

Your comment will be posted after it is approved.


Leave a Reply.

    Authors

    Michelle Weinberg, M.Ed.,LMFT, is a Licensed Marriage and Family Therapist with many years of experience working with couples.

    Randi M. Albert, JD, is an attorney with experience in family law and public service.

    Categories

    All
    Division Of Assets And Liabilities
    Divorce Attorney
    Divorce Mediation Process
    Money
    Parenting
    TOP EIGHT BLOGS: DIVIDING ASSETS AND LIABILITIES
    TOP FIVE BLOGS: SPOUSAL SUPPORT
    TOP SIX BLOGS: CHILD SUPPORT
    TOP SIX BLOGS: PARENTING
    TOP TEN BLOGS: PROCESS

    RSS Feed

Powered by Create your own unique website with customizable templates.