Q: I used up my annual max for dental coverage for this year. When I get laid off next month, if I start paying via COBRA, does COBRA reset my dental coverage, or do I have to wait till next year to receive any dental coverage?
A: No, you will have to wait until next year. COBRA is simply a continuation of the exact same coverage you have while through an employer. You’re keeping the same plan, and continuing on it, so there would be no reason that it would start over in the middle of the year.
There are other alternative plans available, especially since you being laid off is a qualifying event that triggers a special enrollment period for you. We can help you. Click href=”http://cobrainsurance.com/ here for a quote, or call us at 1-877-279-7959 (8am-5pm CST) and we can help you find an alternative plan.