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Top Health Care Considerations During Divorce

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    Dear Divorce Information NOW,

    I am getting divorced and am concerned about health care costs for myself and my children. What should I be thinking about? Please be very specific because I am not employed and one of my kids always seems to be at the doctor’s office.

    Thank you, Beth

    Dear Beth,

    In answer to your question, consider these top ten issues for health care, behavioral health, dental care as well as optical care.

    Although you are not employed at the moment you might be employed in the future in which case…whose insurance plan -yours or the children’s father/mother – will provide coverage?

    1. Who pays the insurance premium?
    2. Who is responsible for the co-pay?
    3. For professional expenses, procedures and medicine… not covered by insurance: Who pays those charges?
    4. Duration of insurance responsibility?
    5. Who pays the co-pay for medicine?
    6. Who pays the co-pay for physical therapy?
    7. Who pays for mechanical devices?
    8. How are chronic health issues paid?
    9. Investigate your eligibility for health coverage under a COBRA plan.
    10. How are elective procedures/surgeries covered?

    The requirements/entitlements to health care access vary according to the state in which you divorce. Having said that, health care coverage and costs for you and your children are negotiable, as are so many other parts of a divorce settlement. Our answer serves as a reminder of issues to consider that you might otherwise forget. As you speak to your spouse, financial adviser and/or lawyer keep these thoughts in mind to include in your settlement proposal.

    Hope this helps,

    The Divorce Information NOW Team

    Divorce Information NOW

    info@DivorceInformationNOW.com

    203-912-7220

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      divorceinformationnow: Divorce Information NOW is the “who, what, where, when and how of divorce." Our products and services give individuals going through divorce the step-by-step guidance needed to effectively manage the numerous components of the divorce process. By having sound knowledge of the financial, legal & familial aspects of divorce, Divorce Information NOW helps people gain more control and more confidence, as they work with their lawyers, mediators, financial advisors and other professionals that they hire during a divorce. Our mission is to help people maximize financial results & manage family relationships, ultimately reducing the stress that comes with each stage of divorce.
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