Divorce and Health Insurance

There are many things to consider during divorce, and health insurance should be one of them.

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There are many things to consider during divorce, and health insurance should be one of them. Having adequate health coverage is important, especially if you have children. Overlooking the health needs during a legal separation or divorce can lead to costly mistakes in more ways than one and that includes financial ruin.

When a marriage ends, there are normally four good options to getting that needed health coverage for yourself and your children regardless of who will have custody and it can be just a matter of which option you desire to pursue:

Continue the coverage offered through your ex-spouse's policy:
The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal mandated law that was designed to protect employees and their families from losing coverage as a direct result of divorce, death, job loss and other life circumstances. It really is a stop-gap though because most people simply can't afford them!

For example, if your spouse maintains coverage through the company and the company employs at least twenty (20) people, than you may continue this coverage for up to three (3 years) providing you are willing to pay for the premium or monthly fee in its entirety for coverage up to 102% of the plan cost. Once you re-marry or obtain coverage of your own, under another policy, the COBRA law will then terminate.

Get coverage through your current employer:
If you are working and your employer offers an affordable health plan that works for you and your new budget or financial situation, than by all means see what it has to offer as far as vision, dental, prescription and more than enroll if it fits the budget and will meets all your and your children's needs.

Ask for coverage as part of the settlement:
This may or may not work but it is definitely worth discussing with your legal counsel especially if children are involved. The place you may want to discuss the issue is under the child support section. Ask your counselor if you were to find your own health benefits could you be compensated for a portion of this monthly fee in the divorce settlement if you find that you will need this financial assistance.

Purchase an individual health benefits plan:
In some or most cases, this may be your only or best option especially if you are trying to cut all tie-ins to what no longer works. Once again, you will have to pay the monthly fee on your own but you will be surprised as to what is available for the un-insured, on-going medical condition person, and the under-insured.

The benefits can range anywhere from no deductibles, co-pays and waiting periods to being able to have on-going conditions covered and being able to have all services under one umbrella per say like your ancillary, dental, prescription, vision etc. One place to go is HealthInsurance.com. Here you can do a Health Insurance Search and get FREE Instant Quotes!

It is estimated that over 50% of all pregnant women are uninsured, and the cost of maternity health expenses can be staggering for those paying out of pocket. MaternityCard saves our members up to 60% off the maternity related expenses. Best of all, you can get all the benefits of Maternity Card PPO even after you are already pregnant!

Maternity Card PPO guarantees to save our customers money on maternity bills, including:

� Doctor Visits� Hospital Stays� Lab Work� Sonograms� 24 Hour Counseling� 24 Hour Nurse Hotline� Anesthesiologist� Pre Natal Vitamins� Newborn Tests and checkups� Immunizations� Prescription Coverage

Plus virtually all other health care associated with your pregnancy!

Maternity Card PPO will provides you with a totally comprehensive maternity program. Our program includes EVERYTHING related to your maternity care. And remember, our Certificate of Guarantee that you will save at least the cost of your yearly membership or we will pay you the difference plus $200 and you get to keep the benefits for an additional 12 months free of charge.

If you're going through a divorce, and health insurance is something you just can't afford, then you might consider applying for Medicaid. This federal program provides for health coverage for children and pregnant women from low-income families. You can find out more about the program by visiting the Centers for Medicare & Medicaid Services.

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