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COBRA Dental Coverage

COBRA Dental Insurance

Given the extremely high cost of dental care, most people considering COBRA want to know about COBRA Dental insurance and whether or not their dental plan can be continued as well. Unfortunately, there is a straight-forward answer to this question and it will depend on your specific dental insurance plan and health insurance plan. In most situations, people can keep their dental insurance with COBRA if it is part of the larger group health insurance plan. When dental plans are separate and provided through a different insurance plan, normally COBRA dental insurance is not an option.

Qualifying for COBRA Dental Insurance

In order to be able to continue to use your dental insurance as part of your COBRA insurance, three things must be true:

  1. The covered employee/family member qualifies for COBRA insurance
  2. The covered employee's health insurance plan includes dental coverage as part of one plan (i.e. the dental and medical insurance are provided by one company and under one plan)
  3. The covered employee/family member is opting to enroll in COBRA. You can't decide to only opt into COBRA dental in most cases.

If those things are true, then when you enroll in COBRA your dental coverage will automatically be included since it is part of the group plan you are continuing with COBRA. However most people find that they do not qualify for COBRA dental coverage for the following reasons:

  1. Their insurance plan is separate and provided through a different company
  2. Their company did not offer a dental insurance plan
  3. The dental insurance plan at their company no longer exists
  4. They are not enrolling in COBRA health insurance and just want dental

Other Options for Dental Coverage

Since most people do not qualify for COBRA dental insurance, the best option is to sign up for a separate dental plan that will cover your costs. Plans start as long as $10 monthly. The easiest way to find a dental plan that works for you is to get a quote below and begin exploring the options available in your state. When you conduct your search and investigate the plans make sure to keep in mind the deductibles, co-payments, yearly maximum payouts, any co-insurance, and the network. Specifically look at yearly maximum benefits because this can severely limit what your dental plan will actually pay for.

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Dental insurance works in much the same way that medical insurance works. For a specific monthly premium, you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services required to promote general dental health.