Can I Keep My Dental and Vision Plans While On COBRA?
When I elect coverage under COBRA, are my dental and vision plans included?
Yes, COBRA Has Dental And Vision, If You Had It Previously
Yes, if you had dental insurance and vision coverage when you were an active employee. The COBRA health insurance law allows you and your beneficiaries to continue on the exact same health benefits that you had with the group health plan. Employer sponsored health care plans may consist of dental insurance, vision insurance, prescription plans and health savings accounts.
New Dental And Vision Insurance
If your work health insurance does not have dental or vision plans, you may apply for individual coverage.
Core Dental Insurance
Individual Ameritas Core Dental Insurance is intended for persons who do not have access to employer-sponsored dental insurance. With Core Dental Insurance, you can visit any licensed dentist.
EyeMed Vision Benefits
Vision benefits make regular eye checkups and prescription vision correction more affordable. Choosing the correct vision plan is an important step toward financially safeguarding your vision. Individual and family vision plans from EyeMed may help you safeguard your eyesight while also saving money.
Dependents’ Insurance Stays The Same
Your dependents also qualify to continue with the same benefits if they were insured prior to the qualifying event that led to job loss. So, they will receive the same dental care and vision coverage as before. In most cases, you may use COBRA for continuing coverage for up to 18 months.
If you haven’t done so, check with your former employers COBRA Administrator for more information.
Your Annual Out-Of-Pocket Maximums Stay The Same
The amount you’ve paid toward your dental plan for the year will only reset when the plan year ends.
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