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Is insurance coverage until 26, or 27?
I turn 26 in March, will I need to buy my own insurances then?
I'm gonna need to have health and dental insurance especially since my medications are expensive and I'm planning on getting dental implants late this year or early next year.
2 Answers
- ZarnevLv 74 years ago
The law states that your coverage will terminate the month you turn 26, so by law you'll need to get a new policy to become effective the first of March. However, depending on the situation your current coverage you might have coverage through the end of March. I've seen this with some employer provided plans. Other situations might extend that coverage even further.
Most dental insurance won't cover implants. Of those that do you'll have a waiting period before they'll cover implants. Depending on the plan you get that waiting period might be up to 24 months so plan accordingly.
Dental discount plans will have coverage for implants immediately and won't have any deductible.
Dental schools might be another option, where you can get good service at a reasonable price by students who are supervised by a dentist as they're working on you. Schools often charge about half of what your local dentist charges. You can find the nearest school here: http://yourhealthplanadvisor.com/dental-schools/ Be aware that you might have several other students watching while you are getting service.
Source(s): Independent Ägent