Dental Plans
What you need to know
We offer coverage through two dental plans administered by Cigna. The Dental PPO is available to all eligible participants; the Dental HMO (DHMO) is not available in all states. Once you have elected and paid for dental coverage, you may continue to self-pay for that coverage indefinitely, even if you are no longer eligible for health coverage through covered employment. The Fund Office will continue to bill you on an ongoing basis, as long as you always pay your dental premium.
Dental PPO
This plan offers both network and out-of-network coverage, but you will always pay less if you see a dentist in the Cigna dental network. Find a network dentist.
Although there are no annual deductibles, the plan pays an annual benefit maximum of $2,000 for most services and a lifetime benefit of $1,500 for orthodontia.
Learn more about the Dental PPO.
To see what you pay for coverage, view the premium rates below.
What you pay for care
1 For services provided by a non-network dentist, Cigna Dental will reimburse according to the maximum reimbursable charge (MRC). The MRC is calculated at the 90th percentile of all provider charges in the geographic area. If the dentist charges more for this service, you could be responsible for paying the additional fees.
DHMO
With the DHMO, there are no annual deductibles or annual benefit maximums (except for orthodontia). You pay nothing for most diagnostic and preventive services, including up to four oral evaluations during a 12-month period.
Important: This plan offers network coverage only, and you must choose a primary care dentist in the Cigna DHMO network when enrolling. Otherwise, one will be assigned to you. Find a network dentist.
To see what you pay for coverage, view the premium rates below.
The DHMO is not available in the following states or territories: Alaska, Guam, Maine, Montana, New Hampshire, New Mexico, North Dakota, Puerto Rico, South Dakota, U.S. Virgin Islands, Vermont, or Wyoming.
On the road a lot?
The Dental HMO may not be the right plan for you if you need frequent dental care.
Review the Dental FAQ for more information.