How to Remove an Ex-Husband From Health Insurance

Joint health insurance policies must be canceled after a divorce, according to the law. In some cases, the insurance company may keep a joint policy intact after a divorce. Inform the insurance company of the divorce promptly if you would like to remove your ex-husband from your insurance policy. If you are the policyholder, your access to insurance will not be impeded. If the insurance company makes payments in the belief that the divorce has not happened, you and your ex-husband will be liable for insurance fraud.

Instructions

• 1

  Contact the insurance company by telephone or letter informing the firm of your divorce. Keep written records of all communications with the company. If you would like to keep access to your joint insurance plan, apply for COBRA on the basis of your divorce. According to DivorceNet, COBRA coverage will cost the original premium plus a 2 percent service fee.

• 2

  Request that your ex-husband be taken off the insurance plan if you have access to it through an employer. If your husband is the primary policyholder, request that you be taken off the plan. Update all insurance information with hospitals and physicians.

• 3

  Contact the employer that provides access to the health insurance plan if necessary. The employer may not be aware of the divorce. If the company is not contacted regarding the divorce in a timely fashion, the employer may have the option of suing both ex-spouses for fraud.

• 4

  Contact a lawyer if payments have been made on the joint policy after the divorce. Once the insurance company discovers the error, it will be able to sue both parties for fraud and accessory to fraud. Insurance companies can sue for the payments made along with penalties and legal fees.