Health Insurance After Divorce in Arizona
One of the most important things people consider when they change jobs is health insurance. Even the most basic of plans can be very expensive. So, if you and your family have good health insurance, you want to keep it as long as possible. The problem is that, typically, when you get divorced, your spouse comes off your policy. In fact, the law requires you to notify your insurance company of your divorce because it qualifies as a major life change. However, your Arizona divorce lawyer can help you apply to keep your insurance coverage intact.
While you can certainly handle this on your own, it may not be the best idea. If you don’t follow the rules perfectly, your ex can end up losing their health insurance. This is why you want to make sure it’s handled properly from the start. If you have any questions about this, read on. Or call and speak with one of our skilled Arizona divorce lawyers.
Most Families in Arizona Share Benefits on One Parent’s Plan
If you’re like most other families, you share one health insurance plan for you, your spouse and your children. Not only is this usually the cheapest way to do things, but it also ensures that your entire family can be treated by the same doctors. Healthcare can be complicated enough without worrying about managing two plans. This is why it’s so important that you think long and hard about whether you want to keep your spouse on your plan after you get divorced.
Arizona Divorce Lawyers Encounter this Issue Often
In divorces that involve families who have kids, health insurance is almost always an issue. Your family’s health is the most important things. You simply can’t risk taking the chance of getting injured or sick and find out that your treatment isn’t covered. Arizona divorce lawyers help their clients navigate the confusing world of health insurance post-divorce. They’ll explain the law to you and answer any questions you may have. They’ll also make sure they negotiate a fair compromise with your spouse’s attorney.
Thankfully the Laws in Arizona Allow You to Cover Your Ex-Spouse
In Arizona, if you decide to get divorced, you can legally keep your spouse on your health insurance. However, you must report your intention to do this to the insurance company. If you choose to do this, however, your spouse will only have the option to continue under COBRA. The premiums for COBRA are usually much higher than your normal benefit rates. You can also arrange for your spouse to take over their own payments for their share of the plan once your divorce is final. If you agree to continue to pay these premiums, your Arizona divorce lawyer can make up for it in other ways. For example, they can negotiate a reduction in alimony or spousal support.
Let an Experienced Arizona Divorce Lawyer Help
Because the requirements for health coverage post-divorce are so strict, you probably want an attorney’s help. If you’re already using one of our Arizona divorce lawyers to handle your divorce, they can take care of this for you. If you’re planning on representing yourself, you can retain an attorney to help with this portion of your divorce settlement. The last thing you want to do is wait until the last minute and find out you didn’t file the proper paperwork. It’s a good idea to call and meet with one of our Arizona divorce lawyers as soon as possible.