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Florida spouses have post-divorce options for health insurance

by | Oct 24, 2018 | Family Law

Moving through a divorce requires quite the juggling act, especially for spouses who already have demanding work, family or community obligations. It’s hard to cover all the bases, and it’s not uncommon to discover after a Florida divorce that a few things fell through the cracks. It’s important to prevent continuing health insurance coverage from becoming one of those things.

For spouses who have their own existing coverage through their employment benefits or a purchased policy, this isn’t a pressing need. For those who rely on their spouse’s benefits to obtain coverage, it should be a top priority. For those who have a pre-existing medical condition, it could be an urgent need.

Some spouses have the ability to simply sign on to their own employment benefits, which is often the simplest solution. Applying for COBRA extension is also an option, and has the benefit of continuing the coverage one is already used to. COBRA extensions, however, only offer up to three years of coverage.

Another option is purchasing a new policy on the open market. Not only can this be an expensive approach, it also requires a great deal of time and effort to compare and contrast the expense and details of coverage. There may be deals to be had, but finding those deals is not a simple process.

For those in Florida who are preparing to divorce, health insurance coverage is definitely something to consider. There may be more immediate needs that require attention, like child custody or property division, but few things are more valuable than one’s long-term health. Having the right coverage can support a healthy and happy life.

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