Dental Insurance Options if You Lose Your Job

3 Dental Insurance Options if You Lose Your Job

May 4, 2018

Losing your job is a stressful event. Whether you were terminated,  you were laid off, or you are leaving voluntarily you have to deal with significant financial issues that arise with income insecurity. Along with your concern for your standard bills (home, car, water, power, TV service), you have concerns for your health and dental insurance. Don’t panic, though. Because here are some dental and health insurance options you need to know about if you’re unexpectedly thrust into an employment transition.

As soon as you’ve lost your job, check out your current insurance benefits. Find out when your benefits get cut off. You may discover that your health and dental coverage continues through the end of the month. If that’s the case, make a dentist appointment while you still can, as every week of extra coverage matters.

Apply for COBRA Insurance

COBRA stands for the Consolidated Omnibus Budget Reconciliation Act. It’s a way to continue to get insurance from your former employer. COBRA requires employers that have more than 20 employees to offer continued insurance coverage for up 18 months after termination. If your employer insurance includes vision and dental coverage, COBRA will cover those benefits as well. That’s the upside. The downside of COBRA is that it’s the former employee and not the employer who is now responsible for the premiums, which can be costly.

Purchase Dental Insurance on the Washington Health Benefits Exchange

The Washington Health Benefits Exchange is a key part of the Affordable Care Act. The Affordable Care Act creates a marketplace for each state to offer health and dental coverage to individuals and families. It’s an easily accessible, online marketplace where you can find, compare, and enroll in Qualified Health and Dental Plans. You can also get information on tax credits or financial aid to help cover co-pays and premiums. And since losing your job is often considered a qualifying life event, you don’t have to worry about the annual enrollment period; you can enroll right away. Visit or call 1-855-923-4633 to learn more.

Purchase a Dental Plan Directly from Delta Dental

When it comes to your dental insurance, check us out. We offer:

  • Easy, year-round enrollment
  • A broad range of coverage and prices (cost as low as $1 a day)
  • 5 plan options for individuals and families

Shopping for dental coverage? We offer 5 individual plans designed to meet any smile's needs or budget.

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*This blog post updated in May 2018.