does your previous employers plan even allow for such distributions?
Any portion of a nonqualified distribution that comes from earnings will be subject to the 10% penalty unless the following requirements is met - this is for your situation. there are also others where no penalty is involved
the distribution does not exceed the amount of medical expenses that you can claim as an itemized deduction for the year.
this means that the qualified portion is the total qualified expenses reduced by either 7.5% or 10% of your adjusted gross income (AGI) say your is $40,000 and your medical expenses are $35,000 if the 10% applies the $35k must be reduced by $4k leaving only $31k that can be withdrawn penalty free.
