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Are you covered individually? Group insurance or a private policy? I'm a single SAHM, and when the divorce is final in a month or so I will no longer be covered under his policy, although the kids will remain on it. Does anyone have health insurance advice for me?
 

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COBRA is an option. I don't know much about it, but I just applied. It was available to me for the 36 months following the divorce at a rate of $933 per quarter. I got it put in my divorce that XH pays for it. I was so pissed when he left me because I am uninsurable due to pre-existing conditions (diabetes). I was just diagnosed last year, so I had no clue about any of this. My XH left me shortly after I found out I was Type 1.<br><br>
Anywho, of course I could get a full time job with group benefits and I would be covered, but I am a single SAHM too. I really want to stay that way until DD goes to school, in 3 years.<br><br>
DD is staying on XH insurance.<br><br>
About the COBRA, I applied through his insurance company. Its available to divorce spouses and other people who lose benefits for different reasons.<br><br>
The price varies, but I don't know much about the reasons why. For a divorced person I think its around 300-500 a month when the children are covered elsewhere.
 

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I am covered by the state insurance. It is my children's secondary insurance and my only insurance.<br><br>
i am so thankful it is available.
 

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I'd like to know too...this is one of my biggest concerns. I hope to have it put in the divorce agreement that STBX will be responsible for paying for it, at least for x amount of time. I also hope to continue being a SAHM until DS is in school full time. DS will stay on STBX's insurance indefinitely.<br><br>
My neighbor is self-employed and she said she was able to find group insurance for about $175/month. I don't know the details of it, but I'm guessing it's a plan with fairly high deductibles, so not ideal but would work if necessary. I might just start calling around to the major insurance carriers in your area and see what kind of plans they could offer you.
 

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Check out COBRA as pp suggested, but for me COBRA was prohibitively expensive -- $1500/mo, and then after 18 mos., they can charge you 150% of the premium.<br><br>
Also, see if you qualify for Medicaid or any state program.<br><br>
Then, see if your state has a dept of insurance. I'm in MA, and our site lists plans available in state and 800 numbers you can call to see what the best plan is for you.<br><br>
I'm disabled, so I get Medicare and I'm learning that it absolutely bites. They're nickle and diming me to death -- $160/mo for parts A and B, then I needed drug coverage for another $34/mo for Part D, with over $250/mo in copays, which only goes through Sept., then I fall into the so-called "donut" and have to pay all costs up to $2500, then I find the reimbursement is so low that mental health providers (I'm bipolar) don't accept it unless you have a back-up, so there's another $168/mo for Part C. My kids qualified for Medicaid, but I can't because I have Medicare. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/angry.gif" style="border:0px solid;" title="angry">
 

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<div>Originally Posted by <strong>willowsmama</strong> <a href="/community/forum/post/10321731"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">i am so thankful it is available.</div>
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MN is a great state for this sort of thing. I, too, am thankful that it is available. It paid for my son's birth and my wisdom teeth removal, amongst other things. I will probably never complain about the high state taxes in MN ever again.
 

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I have a high insurance rate, but when i hear about others, I realize that it is low. We I have an individual family policy, it actually covers myself, my X (!!!) and the 2 kids and it is $650. a mo. It seems like alot, I can barely pay it, but I am self employed and have not been able to find a good group (I have looked) Plus, I have a pre existing condition and was told that I was uninsurable if I tried to change my policy, that is why I am still on Xs insurance, we split the cost.<br><br>
I am angry at the insurance companies, it is not fair, but unfortunately it is the way things are.
 

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My children are covered by state insurance, but I don't qualify (I make $50 too much per month to be covered). So I'm in the awkward position of making too much to be covered by state insurance, but making WAY too little to get private insurance. So, I'm uninsured & hoping not to get sick.
 
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