February 02, 2006,
M. asks from Carrollton, TX on January 30, 2006
C. answers from Dallas on February 01, 2006
it is my understanding that you can continue COBRA benefits even longer than the standard 18mos due to the fact you're divorcing. I have a friend who was divorced but still had insurance through x's insurance and COBRA. I know that when my family and I were on COBRA, I was able to drop my coverage and my son's coverage but continue to keep my husband covered, even though I was the insured employee. I know COBRA is more than you're used to paying (you're paying for all coverage, even what the employer used to pay), but I also notice that you have a 9mo old who will continue to need shots. it might be worth the extra expense to continue the same care.
that said, I am now on a plan for self-employed persons. we have a high deductible, so my monthly fee isn't very high, but I pretty much wind up paying for our healthcare (up to the deductible, which we have yet to meet, $2500).
I was paying about $400/mo. for the family 2 1/2 years ago through my employer. I now pay about $100 for my son and I per month. for my annual exam at the ob/gyn's office, it's about $300 total. I pay about $125 each office visit for my son to see his pediatrician (I also have to pay for shots, but he's 2 1/2, so he's not getting many). I was paying $4800 a year just for the insurance, now I pay $1200 a year for insurance and a little over for what we have done. once I meet my deductible, I'm still paying $3700, which is less than what I paid when I was employed with a large company.
I hope all that isn't too confusing. if you need the name of an agent, I can look mine up and give you her name and number. I just thought you might want to exhaust your COBRA benefits before you do that. by the way, it worked out very well for my friend who was divorced. while she was still on x's COBRA plan, she remarried, got pregnant and had the baby under that plan. had she not been on COBRA, but self-employed, she'd have to pay cash to have the baby (about $10k).
let me know if you want my agent's name. or, if you want to do your own research, my husband is on Blue Cross Blue Shield, I am on Unicare.
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L.B. answers from Dallas on January 31, 2006
I'm not in a divorce situation right now, but my husband lost his job and we've been on COBRA for a long time. In fact, it runs officially 18 months and then we got a 6 month extension which available within the State of Texas. In the case of a divorce, you are still by law able to keep the COBRA (with payment of course) until it runs out and in fact, I'm pretty sure that in a divorce situation that you can get an extension of up to 18 months longer than the original 18 months. I went to a website that had all the information on it for Insurance law in the State of Texas. I'll try to find it and send it to you. In the meantime, we're trying to find affordable insurance too, as today is our last day of coverage. HOpe this helps. L.
S. answers from Dallas on January 31, 2006
I used to work in health insurance. You legally have the option to continue on your ex's COBRA for 36 months because divorce is considered a qualifying event. In the meantime, I would look to Blue Cross Blue Shield for affordable individual coverage. The website is www.bcbstx.com. I would also make sure your husband is legally obligated to cover your child through his employer-sponsored coverage. Get a Qualified Medical Child Support Order (QMCSO) if necessary. Ask your attorney if you haven't already. Good luck with everything.
D.H. answers from Dallas on February 01, 2006
I am a stay at home mom and not using my husbands insurance because it is too expensive. I checked into Unicare (http://www.unicare.com/)and Blue Cross/Blue Sheild of Texas (https://ratefinder.hcsc.net/ratefinder/ratefinder.htm). I ended up going with Blue Cross/Blue Sheild. They were a bit more expensive than Unicare but I liked the coverage better. Hope this helps. Let me know if you have any questions.
T.T. answers from Dallas on January 31, 2006
for insurance just get on the web and search for family health insurance they will find you
for your heart not to offend you please forgive me if I do be strong in the Lord and in the power of His might. He is able to do exceedingly abundantly above all we could ask or think.
I am a single mother of a two year old girl and am six months pregnant but i made a vow now at 23yrs old to be strong and walk in obedience and things are working out for us if you want you could email me personally @ ____@____.com
stay strong and find ways to keep your mind at peace i know it's easier said than done but you have a friend in me i understand more than you know
N.B. answers from Dallas on January 31, 2006
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C.M. answers from Kansas City on January 31, 2006
You can cover your children on Unicare with almost no hassle. Go to www.unicare.com and get a quick quote. You may have trouble covering yourself if you have pre-existing conditions, but you can put the coverage in your baby's name and cover both kids with no hassle. I cover three kids for $100 / month. Most pediatricians take it. Good luck.
A. answers from Dallas on February 02, 2006
I recently switched jobs and had to find healthcare for myself... Golden Rule is the cheapest I found and they are an affiliate of United Healthcare, which give you trust in the name: www.goldenrule.com