Dental Insurance

Regular full-time or regular part-time (75%+) appointments are eligible to enroll in one of two dental plans. Coverage will begin the first day of the month following completion of one full calendar month of employmentThe dental plans we offer are:

 

  • Prepaid Plan
    The vendor for 2015 is Assurant. For 2016, the vendor will change to Cigna Prepaid. If you are currently enrolled in the Prepaid Plan and you do not make a change during the annual enrollment period, you will automatically be enrolled in Cigna.
  • Preferred Provider Organization
    The vendor for 2015 is Delta Dental. For 2016, the vendor will change to Met Life Dental Preferred Provider Organization. If you are currently enrolled in the Preferred Provider plan and you do not make a change during the annual enrollment period, you will automatically be enrolled in MetLife Dental.

View a comparison of Cigna and MetLife dental plans.

 

Transferring Plans

Transferring dental plans may be done only during Annual Transfer/Open Enrollment Period. This is the only time of the year when participants can make changes in their insurance coverage. Changes in coverage will become effective on January 1.

 

Canceling Insurance
Cancellation is not permitted outside of the Annual Transfer/Open Enrollment Period unless the covered person experiences a qualifying event or family status change.


Prepaid Plan

You must choose a primary care dentist from the network; however, each family member may choose a different dentist. There are some copays for dental procedures; some procedures at no charge; no claim forms to submit; pre-existing conditions are covered; no maximum benefit levels; no deductibles; 25% discount on all orthodontic services; no age or dollar maximum restrictions on orthodontics.

 

Prepaid Plan for 2016
Prepaid Dental insurance vendor will change from Assurant to Cigna Prepaid Dental Insurance. Find a provider online or phone (800) 997-1617. If you do not select a dentist, one will be assigned to you. If you are currently enrolled in the Prepaid Plan and you do not make a change during the annual enrollment period, you will automatically be enrolled in Cigna Dental.

 

Preferred Provider Organization

You may select any dentist; no referrals are required and you or your dentist will file claims for covered services. If you visit a dentist who is not a Delta Dental PPO provider but is a Delta Dental Premier provider, the amount you may be balance billed is limited. This may be an additional savings to you and your family members.

Some services require waiting periods and limitations and exclusions apply. No deductible per individual for in-network provider; $100 deductible per individual for out-of-network provider; benefits for covered services paid at the lesser of dentist charge or the scheduled amount; $1,000 annual maximum benefit per person.

Preferred Provider Plan for 2016
The Preferred Provider insurance vendor will change from Delta Dental to MetLife Dental Preferred Provider Organization. Find a provider online (enter State of Tennessee as the account sign-in) or phone (855) 700-8001.  If you are currently enrolled in the Preferred Provider plan and you do not make a change during the annual enrollment period, you will automatically be enrolled in MetLife Dental.