If you are contemplating divorce, or a separation from the other parent of your children, health insurance can often be a major stumbling block. If you are no longer covered by your spouse, how will you get coverage? What if you have a pre-existing condition? How will the children get adequate health coverage? In the case of divorce, RSA 415:18, VII-b permits a former spouse to stay on an employer-provided health insurance policy, as though you are still married, for up to three years, with certain exceptions. However, this does not apply to all employers, and might not be the best coverage for you. In a parenting case, health insurance coverage for the children may not be affordable for either parent.
Thankfully, there is now another option. The Affordable Care Act has opened up new, and more affordable, avenues for individual and family health insurance coverage, and removed many of the prior obstacles, such as pre-existing conditions. If you are considering a change to your family structure, NOW is the time to investigate your options during the Health Insurance Marketplace Open Enrollment period, November 1, 2015 - January 31, 2016.
LRGHealthcare is offering Open Enrollment Fairs on January 9, 2016 from 9am - 1pm and January 23, 2016 from 9am - 1pm, both at Lakes Region General Hospital. Contact LRGH for more information, or to make an appointment at a different time (603) 527-7171 or log onto CoveringNewHampshire.org for more information about Open Enrollment and additional resources.
Knowing your options for health care coverage, for you, your children or your whole family, can take some of the worry out of life.