How to Use a Spouse's Health Insurance After a Divorce
Instructions
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Read the forms regarding COBRA continuation coverage as soon as they arrive in the mail. The letter and accompanying forms will give you all the information you need regarding how to elect continuation coverage and eligibility requirements. After receiving the information, you'll have 60 days to elect coverage.
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Fill out the forms to elect COBRA continuation coverage and send it to the appropriate address. You don't need to submit payment immediately, though it is due within 45 days of opting for continuation coverage under your spouse's health insurance plan. At this point, you can elect coverage for yourself and for any qualifying dependents.
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Understand that there are limits to COBRA continuation coverage. Generally speaking, you will be allowed to use your spouse's health insurance policy for 36 months after the divorce. You will be responsible for paying the health insurance premium on time each month for coverage to remain effective.
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