Illinois Info

Illinois Divorce Start Your Divorce Find Professionals Illinois Articles Divorce Facts Divorce Grounds Residency Divorce Laws Mediation/Counseling Divorce Process Legal Separation Annulments Property Division Alimony Child Custody Child Support Divorce Forms Process Service Grandparent Rights Forum Illinois Products Divorce by County

Illinois Articles

Agreements Attorney Relationship Custody & Visitation Child Support Collaborative Law Counseling Divorce/General Divorce Coaching Financial Planning Mediation Parenting Property Division SEE ALL

Info Categories

Contemplating Divorce Children & Divorce Divorce, Dollars & Debt Divorce Laws Divorce Process Divorce Negotiation SEE ALL

More Information

Articles Checklists Research Center Cases of Interest Dictionary Encyclopedia Encyclopedia (pop-up) Blogs

For Professionals

Advertise With Us Free Network Page Join Our Network Submit Articles Case Management Sign In

Network Sites

Illinois Divorce Support Illinois Divorce Online

The Dilemma of Health Insurance After Divorce

When looking at this issue it is easy to be mislead into thinking that there are easy solutions to this problem. Current research gives some very pat answers to a question that is extremely complex. The key to understanding the insurance dilemma facing divorced spouses is to look at long term solutions and to understand the need for an advisor to negotiate the process.

Current literature leads many to believe that opting to continue their ex-spouses health care group plan under COBRA is an easy solution. Not only does it provide seamless coverage, but it eliminates the need to search for individual coverage. Indeed for up to 36 months you can maintain the coverage you have become accustomed to but the problem is that this coverage will cost substantially more than you were used to. Employers can charge up to 102% of their cost for this coverage and premiums can reach upwards of $600 per month. And again, this is only a short term solution. At the end of the 36 month period, the divorced party will still be going to private insurers for individual coverage. You should also keep in mind that if you incur a long-term illness you may be unable to get private coverage as this will be considered a pre-existing condition. This is when, "finding an advisor who is sensitive to insurance needs is imperative."

One of the most common scenarios is the woman who is facing divorce and finds it necessary to consult professionals to help her deal with the emotional consequences inherent to end of a marriage. These professionals can provide the therapy and medical support that can help women resolve these issues and move on with their lives in a productive way. But, once these women go into mental health treatment future insurers often decline coverage due to the nature of the treatment. So, by seeking healthy alternatives, women may be creating more problems down the road.

This is where, according to Alan Nadolna, the right advisor makes all the difference. "When submitting a heath insurance profile to future underwriters, the way that profile is submitted is critical," Because exclusions and denials are common in the beginning of the process, "presenting the individual case in an aggressive way can overcome negative responses," adds Alan. "finding a sensitive advisor who can direct and guide a woman's search for health insurance can make the difference in obtaining coverage."

The health insurance dilemma has no clear cut solutions but the situation is not without options. Trying to navigate this process alone can be time consuming and risky but utilizing the support of professionals available can maximize your opportunities for success. Insurance, like every element of the division and settlement process, can be tricky but relying on your advisors and remaining an informed consumer can pay off for long-term solutions.


Was this helpful? Like our site & let us know.

Related Articles


Start Illinois Divorce Start Your Illinois Online Divorce Today
Easy, Fast and Affordable with a 100% Guarantee.
Illinois Divorce Find Illinois Divorce Professionals in Your Area:
Join the Network
Illinois Divorce Products, Services and Solutions Illinois Divorce Products, Services and Solutions
Illinois Divorce Resources to Help You Through the Process.
Online Parenting Class Illinois Mandatory Online Parenting Class
Easy and convenient - complete at your own pace online.
Divorce and Custody Books Discount Divorce Bookstore
Over 100 Titles of the Best Books on Divorce & Custody.
Divorce Downloads Divorce Download Center
Instantly Download, Books, Manuals, & Forms.
Divorce Worksheet Free Illinois Divorce Worksheet & Separation Agreement
Your Guide to Get Organized and Put Everything in Writing.
   
When the parties cannot reach an agreement on property division, the Illinois court will divide all the property and debts for them equitably. When a property settlement is finally reached, it must be in writing and signed by both parties.
Divorce Lawyers & Mediators
 

Find Professionals

Easily Connect With a Lawyer or Mediator
Have Divorce Professionals from Your Area Contact You!
Enter Your Zip Code:

 

Start Your Divorce File for an Illinois Divorce

 

Settle Your Divorce Negotiate Your Illinois Divorce

 

Support Forum Illinois Support Forum

Children In Between - Online Parenting Class


FEATURED TOOL - Divorce Research Manuals (detailed discussion and analysis with references to cases, articles, and other resources)

Guarantee Official PayPal Seal Facebook Twitter Versign Secure Site
Limited Offer Women's Rights Manual For Divorce
Cover Price: $55.95
Your Price: $29.95
You Save: $26.00

"The Absolute Best Investment in Your Divorce"

Men's Rights Manual For Divorce
Cover Price: $55.95
Your Price: $29.95
You Save: $26.00

"Uncover Your Options and Unleash Solutions"