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May 02, 2012

Facing Divorce and Loss of Insurance: Need Advice

This topic is about a person who is facing a challenging situation due to an impending divorce, which threatens her health insurance coverage for essential ostomy supplies. She is worried about how she will afford these supplies once the divorce is finalized. Here are some helpful suggestions and insights for navigating this situation:

1. Legal and Divorce Settlement
- Consider hiring a strong lawyer or mediator to negotiate that your spouse continues to pay for your health coverage through COBRA or another plan for a set period, such as 18 months or more.
- Explore the possibility of a legal separation instead of a divorce, which might allow you to stay on his insurance policy if he agrees.
- Ensure any agreements about premiums or reimbursements are handled through the court to ensure payments are made.

2. Manufacturer Assistance
- ConvaTec offers a program for those in financial need, providing supplies once a year. You can contact them at 800-422-8811 or visit their website. Some people have received six months of free products through this program.
- Even if you don't currently use ConvaTec products, reach out to them as they may still offer assistance.

3. Low-Cost or Donated Supplies
- Check out www.ostogroup.org for low-cost ostomy products for uninsured individuals.
- Visit www.bestbuyostomy.com for discounted supplies and assistance for those facing financial difficulties.
- Look for unopened boxes of supplies at discounted prices on Craigslist or eBay.
- Attend local ostomy support group meetings or talk to a hospital wound-ostomy-continence nurse, as they often collect and distribute donated supplies.
- Some people in support forums who no longer need their supplies have offered to send them for free; consider posting a request in these groups.

4. Short-Term Strategies
- Ask your current supply company if you can place a larger order than usual before the divorce is finalized.
- Keep your existing insurance active as long as possible. If you are still "in network," you might be able to place another 90-day order now.

5. Emotional and Practical Support
- Remember that many people successfully rebuild their lives after medical-related break-ups. Focus on securing coverage first.
- Pets, grandchildren, support forums, and local groups can provide companionship and support during this transition.
See full discusison
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