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Things to do before getting divorced?

So...my divorce will probably be final in less than 2 weeks, and I feel like I need to prepare for the end, LOL. I'm covered under H's (awesome) health insurance, so I've already made appointments with the PCP, every specialist, dentist, and eye doctor. Anything else that would be beneficial to do before the divorce is finalized?

Re: Things to do before getting divorced?

  • Be cautious about these appointments.  I also had great insurance under XH and his atty said I was being gratuitious with doctors.  I'd have a reason for each appt.  You'll be covered under COBRA so you should still be able to get the same doctors after the divorce.  I'd ask your atty if you can go to the specialists and other appts in good faith so close to the divorce.

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  • imageMintChocoChip:

    Be cautious about these appointments.  I also had great insurance under XH and his atty said I was being gratuitious with doctors.  I'd have a reason for each appt.  You'll be covered under COBRA so you should still be able to get the same doctors after the divorce.  I'd ask your atty if you can go to the specialists and other appts in good faith so close to the divorce.

    I don't get this. It's not like it's costing him anything OOP for me to go, so...? I'm milking his insurance plan, if anything.
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  • imageMrsJenniferS:
    imageMintChocoChip:

    Be cautious about these appointments.  I also had great insurance under XH and his atty said I was being gratuitious with doctors.  I'd have a reason for each appt.  You'll be covered under COBRA so you should still be able to get the same doctors after the divorce.  I'd ask your atty if you can go to the specialists and other appts in good faith so close to the divorce.

    I don't get this. It's not like it's costing him anything OOP for me to go, so...? I'm milking his insurance plan, if anything.

    Possibly because once he takes you off the plan in 2 weeks, the insurance company might take issues with you milking them?  To be honest, I don't know, I'm just relaying information that I got through my lawyer before I got divorced.  I am also in NJ. 

    Yes, you should also stock up on confetti to throw up everyone's arses.  Fairy dust too.

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  • And walk around the gym locker room naked.  Oh wait, that's once you're single again.
  • imageUDscoobychick:
    And walk around the gym locker room naked.  Oh wait, that's once you're single again.

    Yes

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  • imageMrsJenniferS:
    imageMintChocoChip:

    Be cautious about these appointments.  I also had great insurance under XH and his atty said I was being gratuitious with doctors.  I'd have a reason for each appt.  You'll be covered under COBRA so you should still be able to get the same doctors after the divorce.  I'd ask your atty if you can go to the specialists and other appts in good faith so close to the divorce.

    I don't get this. It's not like it's costing him anything OOP for me to go, so...? I'm milking his insurance plan, if anything.

     

    I work in Benefits and Human Resorce department for a high tech company and I can tell you that is not how health insurance works.

    Your stbxh is paying for the health plan via deductions from his paychecks.  Once he submits the proof of dicorce (divorce decree) to the Benefits team, you become uneligible on the regular ongoing plan but however will become eligible to remain on the plan via COBRA.  COBRA is expensive!!! It depends on your divorce settlement on who pays the COBRA payments... it is common to cost around $500 dollars a month to stay on COBRA.  COBRA can last anywhere from 6 months to 1 year and after that you are on your own.

  • Not sure how your STBXH's insurance works, but if my XH had done that I would've been livid. My company gives us a certain dollar amount they cover towards the deductible. Onces that's met, we have to pay OOP to reach the deductible. If my XH had used up all of my "free" money from my company you can bet your asss I'd be doing something to recourse that money in the divorce. Just because it's not costing him OOP it doesn't mean it's not hurting him in another way.

    Get ready to CELEBRATE! Oh wait, you don't believe divorce is a reason to celebrate.

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  • LOLZ!  "You're all a bunch of pathetic, selfish _whores!  Now give me advice on my divorce!"
  • I agree you should milk the insurance as long as it won't cost him OOP.  Are you feeling better now about getting divorced?

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  • imageHeavenlyExcitedBride:
    imageMrsJenniferS:
    imageMintChocoChip:

    Be cautious about these appointments.  I also had great insurance under XH and his atty said I was being gratuitious with doctors.  I'd have a reason for each appt.  You'll be covered under COBRA so you should still be able to get the same doctors after the divorce.  I'd ask your atty if you can go to the specialists and other appts in good faith so close to the divorce.

    I don't get this. It's not like it's costing him anything OOP for me to go, so...? I'm milking his insurance plan, if anything.

     

    I work in Benefits and Human Resorce department for a high tech company and I can tell you that is not how health insurance works.

    Your stbxh is paying for the health plan via deductions from his paychecks.  Once he submits the proof of dicorce (divorce decree) to the Benefits team, you become uneligible on the regular ongoing plan but however will become eligible to remain on the plan via COBRA.  COBRA is expensive!!! It depends on your divorce settlement on who pays the COBRA payments... it is common to cost around $500 dollars a month to stay on COBRA.  COBRA can last anywhere from 6 months to 1 year and after that you are on your own.

    Thanks for explaining.  I don't really know how COBRA works.  Thankfully I didn't have to use it.  I do know that it's expensive though!

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  • imagePrettyInPearls23:

    Not sure how your STBXH's insurance works, but if my XH had done that I would've been livid. My company gives us a certain dollar amount they cover towards the deductible. Onces that's met, we have to pay OOP to reach the deductible. If my XH had used up all of my "free" money from my company you can bet your asss I'd be doing something to recourse that money in the divorce. Just because it's not costing him OOP it doesn't mean it's not hurting him in another way.

    Get ready to CELEBRATE! Oh wait, you don't believe divorce is a reason to celebrate.

    Our plan doesn't work like that at all. We go, pay the copay, the insurance covers the rest, and all is well with the world. The only time we get billed is if lab work is done or if we go to the hospital. Like I said, it's pretty awesome. Giving birth to DD cost us nothing. Thanks, but I'll take my chances with the insurance!
  • imageHeavenlyExcitedBride:
    imageMrsJenniferS:
    imageMintChocoChip:

    Be cautious about these appointments.  I also had great insurance under XH and his atty said I was being gratuitious with doctors.  I'd have a reason for each appt.  You'll be covered under COBRA so you should still be able to get the same doctors after the divorce.  I'd ask your atty if you can go to the specialists and other appts in good faith so close to the divorce.

    I don't get this. It's not like it's costing him anything OOP for me to go, so...? I'm milking his insurance plan, if anything.

     

    I work in Benefits and Human Resorce department for a high tech company and I can tell you that is not how health insurance works.

    Your stbxh is paying for the health plan via deductions from his paychecks.  Once he submits the proof of dicorce (divorce decree) to the Benefits team, you become uneligible on the regular ongoing plan but however will become eligible to remain on the plan via COBRA.  COBRA is expensive!!! It depends on your divorce settlement on who pays the COBRA payments... it is common to cost around $500 dollars a month to stay on COBRA.  COBRA can last anywhere from 6 months to 1 year and after that you are on your own.

    I won't need COBRA. I work and can get my own insurance. It just won't be as awesome as D's.
  • imagehainesherway:

    I agree you should milk the insurance as long as it won't cost him OOP.  Are you feeling better now about getting divorced?

    No, I'm not happy about it. It sucks. We've been separated for 6 months, so the separation has been pretty kickass, if anything. I mean, aside from the legal fees. I live with DD in the house and he's still on the hook for most of the bills. Life post-divorce will be more expensive, and my beloved married tax rate will be replaced with the crazy-high "single" rate. Yeah...can't wait to be a single mom. Woo hoo.
  • imageUDscoobychick:
    And walk around the gym locker room naked.  Oh wait, that's once you're single again.
    You know, I totally could. I've lost a ton of weight and my bod is smokin! Damn that pesky little thing called modesty.
  • imageMrsJenniferS:
    imagehainesherway:

    I agree you should milk the insurance as long as it won't cost him OOP.  Are you feeling better now about getting divorced?

    No, I'm not happy about it. It sucks. We've been separated for 6 months, so the separation has been pretty kickass, if anything. I mean, aside from the legal fees. I live with DD in the house and he's still on the hook for most of the bills. Life post-divorce will be more expensive, and my beloved married tax rate will be replaced with the crazy-high "single" rate. Yeah...can't wait to be a single mom. Woo hoo.

    Yup, you've confirmed you're still bitter!

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  • imageMrsJenniferS:
    Our plan doesn't work like that at all. We go, pay the copay, the insurance covers the rest, and all is well with the world. The only time we get billed is if lab work is done or if we go to the hospital. Like I said, it's pretty awesome. Giving birth to DD cost us nothing. Thanks, but I'll take my chances with the insurance!

    Yes that's how your insurance works while you are still covered under it... once you are divorced how are you still covered under his insurance? That is what everyone is trying to warn you about. But in the end it doesn't matter because you aren't really listening anyway....

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  • imageJustTheWayYouAre:

    imageMrsJenniferS:
    Our plan doesn't work like that at all. We go, pay the copay, the insurance covers the rest, and all is well with the world. The only time we get billed is if lab work is done or if we go to the hospital. Like I said, it's pretty awesome. Giving birth to DD cost us nothing. Thanks, but I'll take my chances with the insurance!

    Yes that's how your insurance works while you are still covered under it... once you are divorced how are you still covered under his insurance? That is what everyone is trying to warn you about. But in the end it doesn't matter because you aren't really listening anyway....

    I'm not covered under his insurance after we're divorced. Obviously. That's why I'm going to the doctor now. Insurance goes by the date services are rendered. Never mind....I'm going to ask my 2 year old what I should do. Thanks!
  • imagehainesherway:
    imageMrsJenniferS:
    imagehainesherway:

    I agree you should milk the insurance as long as it won't cost him OOP.  Are you feeling better now about getting divorced?

    No, I'm not happy about it. It sucks. We've been separated for 6 months, so the separation has been pretty kickass, if anything. I mean, aside from the legal fees. I live with DD in the house and he's still on the hook for most of the bills. Life post-divorce will be more expensive, and my beloved married tax rate will be replaced with the crazy-high "single" rate. Yeah...can't wait to be a single mom. Woo hoo.

    Yup, you've confirmed you're still bitter!

    Obviously. You can't put a happy spin on everything in life unless you're in denial or highly medicated. If divorce doesn't suck, I don't know what does.
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