Fear of Health Insurance
HER EMPOWERED DIVORCE PODCAST
HOST: Beverly Price, Divorce, Empowerment and Pre-Mediation Coach
GUEST: Bailey Artis, Insurance Agent
SUMMARY:
On this episode of Her Empowered Divorce, we’re solving the dilemma of what to do about health insurance during/after a divorce. Host Beverly Price’s guest is Bailey Artis, an insurance agent with Charter Financial Group of Carolina. Having helped Beverly solve her own health insurance dilemma, we know Bailey is someone you can trust to guide you through this stressful time in life. She knows every step of the process, every option you have, and she’ll even choose a plan for you if you’re too overwhelmed.
“One thing that I’m really good at is taking [stress and overwhelm] off my client’s plate,” Bailey says. Listen in to learn the various health insurance options you have as a divorcing/divorced woman and the simple action steps you can take to get yourself (and your kids) covered at an affordable cost.
Health insurance is a huge financial decision, but whether you’re employed, over 65 and on Medicare, or younger and looking for private insurance, you have lots of options and guidance at your disposal. “You come to me saying I’m getting divorced, I need insurance, and I will handle it from there,” Bailey says. “You don’t need a spouse to do it, you can do it on your own.”
KEY TAKEAWAYS:
· You Have Options:
o COBRA – The exact same coverage, but the employer doesn’t pay their match (you pay double).
o The Marketplace – Go to healthcare.gov to find individual health insurance plans.
o Employer’s Group Plan: If you’re working for a company that offers insurance, opt in!
· Your Kids Stay Protected: Children under 26 can remain a dependent on your spouse’s insurance policy or they can switch to yours.
· Medicare: When and how do I apply for Medicare after a divorce? Is my Medicare eligibility affected if I get divorced?
· Affordability: What do I do if I can’t afford COBRA? How affordable is it to insure children? Does Bailey charge for her services? (Spoiler: She’s free of charge!)
· Overcoming Financial Overwhelm & Shame: How to approach finances and insurance when it’s easily overwhelming + Bailey’s best advice
· Dealing With the Emotions & Stress of Divorce: How Bailey helps divorced women through the stress and overwhelm of choosing a health insurance plan.
· The Scariest Part of Navigating Health Insurance & Divorce:
o “To think that all this time, I’ve been covered and I’ve never had to worry about health insurance.” Do you resonate?
o The stipulations of health insurance are expensive and you can be penalized for not having it.
· Word to the Wise: Don’t Worry, You Can Do This!
o You have affordable options.
o You can be independently on your own health insurance policy.
o The lower your income, the more options you have! Even if you have high income, there are subsidies that can help lower monthly costs.
o There’s nothing shameful about being on Medicaid. Take the Medicaid if you’re eligible for it!
· Top Three Tips for Women in the Midst of Divorce:
o #1: Don’t stress or worry about health insurance. You are going to be covered and it’s going to be affordable.
o #2: You don’t need a spouse to do it, you can do it on your own.
o #3: Gather your financial information and make sure you’re in a good financial position first. Get the help you qualify for to get yourself where you need to be, then contact Bailey!
NOTABLE QUOTES:
· “You don’t need a spouse to do it, you can do it on your own.” (Bailey)
· “The kids have to come off [insurance] at 26. At 26, they’ll have to do their own thing, whether they’re working or going on the marketplace, but if they’re young children, then they can definitely stay on that spouse’s employer coverage or they would most likely qualify for Medicaid or a CHIP through the state.” (Bailey)
· “One thing that I’m really good at is taking [stress and overwhelm] off my client’s plate. Basically, you just give me some info that I need and I will find the best option for you. If you tell me to choose, I will even choose the plan for you, send it over, you sign for it, it’s done. I will make sure that that process is off of your plate.” (Bailey)
· “Just like many attorneys and divorce professionals recommend someone like me, a divorce coach, to guide someone through the divorce process, I think the health insurance process is so confusing that it’s awesome that you do it.” (Beverly)
FURTHER RESOURCES/RELEVANT LINKS:
· Beverly’s personal Facebook page can be found here.
· Women’s Divorce and Empowerment group discussion available here.
· Schedule a complimentary private consultation with Beverly. You can reach out to her at this link.
ABOUT OUR GUEST:
Bailey Artis is a dedicated health and life insurance agent with a passion for guiding people with their planning. She loves making connections with people and creating lasting relationships. Bailey is an award-winning Medicare and health insurance producer within her company, American Senior Benefits. Bailey is a wife and mother of 2 small boys. When not working, you can find her at the beach, pool, or spending time outdoors with her family.
FOLLOW OUR GUEST:
WEBSITE | FACEBOOK | CALL/TEXT: (843)-353-4209 | EMAIL: bailey@cfgcarolina.com
ABOUT OUR SPONSOR – SOBERLINK:
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ABOUT YOUR HOST:
Beverly Price is a CDC Certified Divorce Coach®️, Women’s Empowerment and Pre-mediation coach with over 25 years of experience. Her passion lies in supporting women through every aspect of separation and divorce. She offers a comprehensive coaching experience that goes beyond just empowerment work to help clients develop their communication, conflict management, boundary setting and negotiation skills. Beverly also provides expertise on the technical, legal, and financial aspects of the divorce process. Women will learn how to evaluate whether they want to stay or go in their marriage and how to make the best possible decisions for themselves and their families. With a holistic approach that combines goal-oriented strategies with emotional support, Beverly’s coaching helps clients build a positive and fulfilling future for themselves and their families during and after divorce.
CONTACT YOUR HOST:
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