Losing a job is stressful. Aside from income insecurity, you have health and dental insurance to worry about. Here are 3 options to consider during your employment transition:

• Use it before you lose it.

Learn when your benefits get cut off, as you may be covered until the end of the month. Every week of extra coverage matters, so make a dentist appointment while you’re still covered.

• Apply for COBRA.

The Consolidated Omnibus Budget Reconciliation Act (COBRA) requires employers with 20 or more employees to offer continued insurance for up to 18 months after termination. And if you had vision and dental through your previous employer, COBRA will cover those benefits. The downside to COBRA? Former employees are responsible for the premiums, which can be costly.

• Individual coverage.

You may be surprised at what you’re able to afford when seeking out your own plan. Shop around for individual plans and reap the benefits of having these benefits.