If you separate from your hubby and the health insurance is through him would I still be covered??

Question

or do I have to get my own policy?

Answer 1

PLEASE READ THIS!!!

You are entitled to COBRA as long as you are legally separated or divorced. Remember, this has to be a legal separation in order to qualify. If you are not legally separated then he still has to maintain you on his policy, as you are still legally married.

If you become legally separated, make sure that you write into the separation documents who is responsible for the COBRA premiums.

Also, because this would be a legal seperation or divorce, you are entitled to COBRA for 36 months,, not the standard 18 months.

If you are healthy, it may be more feasable for you to purchase an indivdiual plan. When doing so, make sure you work with a local agent to help you decide which policy works best for your situation

Bottom line is cover yourself legally - if you are going through a separation - do it legally and address your health insurance issues with the courts.

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Answer 2

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RE If you separate from your hubby and the health insurance is through him would I still be covered??

or do I have to get my own policy?

Answer 3

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Answer 4

Technically, if you separate, and don't live with him, you may or may not have coverage depending on plan language determining spouse/dependent status. Typically, you do. However, if your husband works for an employer with more than 20 full time equivalent empoyees (other rules apply), and your coverage ceases, you'll qualify for federal COBRA coverage even if you get a divorce. And you must be notified if your coverage ceases and the employer is a COBRA eligible firm. Some States have stricter rules (more towards your favor). The downside is you have to pay for this coverage at full price +1 or 2%.

Answer 5

I might suggest you to try this web page where you can compare quotes from the best companies: http://COVERAGEFINDER.NET/index.html?src=3YAumjnaCA66

RE :If you separate from your hubby and the health insurance is through him would I still be covered??
or do I have to get my own policy?
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Answer 6

I would recommend you to visit this web site where you can get quotes from different companies: http://COVERAGE-FINDER.NET/index.html?src=2YAbulwsEI56

RE :If you separate from your hubby and the health insurance is through him would I still be covered??
or do I have to get my own policy?
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Answer 7

Maybe. The problem is, in some states, that's a "qualifying event" to allow him to take you off the policy, but YOU won't necessarily be notified if you're taken off.

You're just going to have to babysit the plan, or talk about it, if you're on speaking terms with him, to find out if/when you get dropped.

Answer 8

Separated, yes. Divorced - maybe. I know people who've put it in the divorce agreement that the ex- stayed on the plan until remarried or they get their own policy.

Answer 9

You would still be covered until the divorce is final, at which time, you would be eligible for continuation under COBRA law (provided hubby's employer falls under COBRA).

Answer 10

That is actually pretty much up to him. If he has you covered through a plan where he works, he can take you off the plan. There are some state regulations on when and why he can remove you from his coverage, and, if it is a group plan, there may be other coverage available to you.