Getting divorced can be a trying time, and the least of your worries should be adequate medical coverage. Fortunately your Medicare policy is not directly related to your spouse, which allows you the personal freedom to do whatever you please in your personal life. What you must consider however is how your financial situation may change. Being married means combined assets and financial security. Being separated could potentially make your Medicare coverage change if you get divorced. Make sure to notify the Medicare office so they can update your file.
Since your financial situation will probably change dramatically it will be important for you to know where you have adequate coverage, and where you do not. Knowing this information will allow you to decide if a supplemental plan is the best idea. You may even find that you want to use Medicare as a supplemental plan and a primary policy from a private company. You can’t lose your Medicare coverage if you get divorced, but the amount of coverage can change greatly depending upon your new financial situation.
Many people don’t realize that there are deductions available for IRS credits that can help to offset the cost of medical care with Medicare. That means that a divorced person who uses these credits can save even more money, prolonging there retirement savings. Again, you can’t lose your Medicare coverage if you get divorced, but your policy more than likely will change. Be proactive from the beginning notifying the proper authorities to these changes and making sure that you have the health care coverage you need to stay healthy.