Maintaining Health Insurance Coverage After Divorce

Maintaining Proper Coverage

Divorce is a complex process, but it doesn't have to mean losing access to health insurance. In California, formerly dependent spouses can maintain health insurance coverage after a divorce if they take the proper steps. This blog will discuss those steps and how to ensure you stay covered during this uncertain time. We'll also cover other essential topics, such as understanding your rights under the law and finding affordable coverage options that fit your needs.

How Insurance Works After Divorcing Your Spouse

Regarding health insurance coverage after a divorce, it is crucial to understand your rights under the law. In California, a divorcing spouse may be eligible for coverage under their former partner's insurance plan if they meet specific requirements. If you are divorcing your spouse and you are covered under their group health insurance provided by their employer, it is important for you to seek out a qualified expert in the area of health insurance in general and COBRA benefits, in particular, to learn about and understand your opportunities for continuing health insurance protection following your divorce.

Once a divorce is finalized, those who qualify may be able to continue coverage under their former partner's plan through COBRA for up to 36 months. COBRA stands for Consolidated Omnibus Budget Reconciliation Act and allows people who lose access to employer-sponsored health insurance due to unavoidable circumstances—including divorce—to continue coverage temporarily. To qualify, you must have been covered by your former partner's employer-sponsored plan within six months before the qualifying event (in this case, divorce). You will also have to pay your portion of the premiums associated with your coverage.

If you do not qualify for COBRA or if it is not financially feasible, other options are available such as purchasing an individual health insurance policy or signing up for Medicaid or Medicare (if eligible). When searching for an individual policy, compare premiums, co-pays, deductibles, and out-of-pocket limits offered by different plans to get the most value from your purchase. Additionally, look into any special programs available in your area, such as high-risk pools or state subsidies, that can help offset costs associated with individual policies.

Get Answers from a Family Law Attorney

While losing access to health care can be a daunting prospect during a transition like a divorce, knowing what steps you need to take and understanding your rights under the law can go a long way toward helping you maintain access to quality care throughout this challenging period of life. If you have questions about any aspect of divorce, be sure to discuss your situation with an experienced family law attorney.