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?
No, you will have to wait until next year for dental coverage to reset. 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.
If you are fairly healthy and still want to remain insured, more affordable insurance alternatives to COBRA may be available based on where you live. Term health insurance is a popular option and available in most States. This can protect you from high medical costs of new injuries or new illnesses that unexpectedly occur while allowing you to use any licensed doctor. Coverage is available up to $1 million per person. For more information and pricing, you can call us at 1-877-262-7241 or complete a free quote online.