What happens once I lost my dental insurance? I'm so scared?

  • by Strongman
  • Jul 21,2018
  • 13 answers

I will be 26 years old in 10 days and I dont qualify for social security or medicaid benefits. I still live with my parents while trying to save up for a place of my own and I am currently working so as of now I'm covered but say if I was to get laid off from my job with no notice and be jobless and because i qualify for nothing, what were to happen if I lost my job and if I was for some reason to get sick but don't have no income or earnings to cover it? Am I just obligated to work or be trapped to live with it until I find another job or is there still options that may work?


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Insurance Answers (13)

Billy 3 weeks ago

Dental insurance doesn't pay when you are sick, it is only for dental and social security Medicare doesn't pay for Dental.

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Casey Y 3 weeks ago

Work more and harder...

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Flower 3 weeks ago

You can purchase dental insurance for an individual. If you get laid off you may be eligible for unemployment benefits. You should get a prepaid dental plan now while you have income. There are also some county dental clinics that charge less and dental schools that charge less.

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car253 3 weeks ago

Call Blue cross or Safeguard dental. You can buy it directly from them.

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lucy 3 weeks ago

Back in 1981, I got divorced from my 1st husband and I was scared, since I had a 6 year old daughter. So now needed to decide (how) could I afford to live and pay my bills, since now I had only (1) income vs 2 when I was married.
Luckily I made it on my own w/out my parents help, which if the worst had came, they would have helped me out. I had some savings that I used just for emergencies only.
See, they say you need a (minimum) of 3 months, but should have 6 months of savings just in case you lose your job, since even if you get UI benefits, it pays on average of ½ your prior income, so may need those savings to make up the difference. Also in most cases UI pays a maximum of 6 months and if no job, then NO income.
The easy way to do it, is to set up a savings account in your bank. With most employers they have direct deposit, thus you have your employer for instance take out $50 out of each paycheck and if you can afford more, then do so. But the key is since if you live on your checking account only, and ignore the savings, then you are slowing building your savings to have in case of an emergency. Over the years have always done this and even when I got a raise, would put (maybe) ½ of the extra money into the savings, since in the beginning would have extra money over, then over the months, many don’t realize that the extra money you got with that raise, you are living on.
You are living at home, thus you don’t have a mortgage/rent to pay, nor pay for utilities like gas/electric for lights or heat/A/C. Then add the cost of food, gas and insurance, thus you should be saving a lot living with your parents.
Your goal should be saving till you have 6 months of income, then after you reach that goal, then you figure out how much you will need to move out to be on your own.

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ibu guru 3 weeks ago

You have to SAVE money to cover potential problems like these. You need to have at least 6 months income saved to cover emergencies, layoff, etc.

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StephenWeinstein 3 weeks ago

If you have money, then you pay for it with your money.
If you have no money, then you are obligated to work because there are things you need that are not free, such as food.

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STEVEN F 3 weeks ago

In the US, if you lose your job, you can pay to keep work related insurance for up to 6 months under COBRA. In that time you can purchase insurance separately on the open market.

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Elaine M 3 weeks ago

At age 26 it's time to start living on your own.

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Pat Wooden 3 weeks ago

That's where Unemployment Insurance comes in. As long as you lost your job through no fault of your own, you should be eligible for regular unemployment checks, provided you are actively seeking a new job. Check your local laws. However, you would have to purchase health insurance yourself, and it will cost a lot more without a company discount.

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amy lynn 3 weeks ago

If you lost you job, you would likely qualify for insurance through welfare programs like medicaid. Right now, you don't qualify because you have a job.
Many people are stuck in low income jobs without insurance and make just enough to not qualify for medicaid. They pay for their medical expenses out of their income. Or, if the expense is high enough, there are some other assistance programs offered by hospitals and if you had a major hospital bill, you could ask the billing department if they have any assistance programs.
Basically, when you don't have insurance, you pay the bill yourself. If it is a large bill, you make payments on it until it is paid off.

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Ambistoma 3 weeks ago

Welcome to the wonderful world of American health insurance policy!
Check out Obamacare and Medicaid, which often include dental insurance options. The tough part is finding a dentist who will accept them. The other catch is that you can't apply for Obamacare until November or December. (I don't know the application window for Medicaid.)

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A Hunch 3 weeks ago

There is usually no reason to have dental insurance. Dental insurance generally has a long waiting period with limited pay out amounts (like 50% up to $1000 or $1500). It is usually nothing more than a prepaid plan.
As for health insurance, it is your 2nd most important bill after housing. But since you don't pay for housing, it becomes your most important bill. So what do you do? You buy health insurance on your own like an adult.
- from losing coverage, you will have 60 days to purchase coverage.
- it sounds like you are eligible for coverage through your own employer, so you should compare that cost with buying coverage on your own. Depending on how much your employer subsidizes the cost and the coverage level offered, it might be most cost effective to purchase it on your own.
What do you do in the future if you lose your job.... the same way you will handle rent (when you have it), car insurance, phone bills, etc. = you need to say your money now, so you have an emergency fund in the event that you lose your job.

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