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Question regarding insurance after divorce

Jess09 posted 8/12/2019 08:47 AM

Hello all. My divorce will be final this coming Friday. Finally!!! My health insurance thru my ex’s company will end that day. I dont begin my new job for a week. I really dont want to pay cobra. Really pisses me off to pay that because my ex is a slimeball. What did any of you do in my position?

99lawdog99 posted 8/12/2019 10:23 AM

usually you are covered for about 30 days from the time of a divorce. Most companies have that little grace period to allow you time to find new insurance. Not saying your husbands business has it, but just check it out to make sure.

Snapdragon posted 8/12/2019 10:46 AM

It is a huge cost for one week? Or, do you have to pay for a full month? I know COBRA can be very expensive. But, if it were me, that would be the week that I broke a bone, had a heart attack, and came down with a roaring case of food poisoning requiring hospitalization. Yep, one bad week!

LilBlackCat posted 8/12/2019 19:52 PM

If you are able to get covered by the federal insurance thing.. Go that route till you get your own through work.. Some employers do not start coverage till after a trial period.

Good luck.

homewrecked2011 posted 8/12/2019 20:56 PM

I got D about 6 years ago.

It was a federal law that the person being taken off the ins was allowed to get Cobra for 18 months—-at the Corp rates!!!

You can choose ins alone, or whatever else you had like dental and vision. Mine was really cheap.

thishurts123 posted 8/17/2019 19:46 PM

My insurance was through XWH and they gave me 90 days to find new insurance before taking me off his. Really pisses me off. If we were living together unmarried he could insure me but as an exwife I'm screwed. Navigating insurance now - it's not easy to understand. Good luck to you.

little turtle posted 8/18/2019 12:48 PM

I went without insurance as neither myself or XH could afford cobra. When the Marketplace healthcare came around a few years later, I signed up for that.

Who said your insurance will end that same day? I'd get confirmation on that and maybe you have a grace period like others mentioned.

allusions posted 8/18/2019 13:56 PM

I think that's a big reason why a friend of mine is opting to go with a legal separation instead of a divorce, at least for the next few years. She gets to continue on his insurance since they are still married.

ibonnie posted 8/18/2019 14:05 PM

I think that's a big reason why a friend of mine is opting to go with a legal separation instead of a divorce, at least for the next few years. She gets to continue on his insurance since they are still married.

That's what I did, because I was a SAHM and it would be cheaper/easier for my WS to pay me spousal support than if we put our LO in daycare or hired a nanny. We legally separated so I could remain insured during that time.

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