Dental Insurance

Eligible employees can choose from two dental options:

  • Prepaid Plan
  • Dental Preferred Provider Organization

(Note: Local education and local government members should check with their agency benefits coordinator to see if dental insurance is available.)

View a comparison of the plans' benefits »

Prepaid Plan

The Prepaid Plan provides services at predetermined copay amounts from a limited network of participating dentists and specialists.

  • To receive benefits, you must select a dentist from the Prepaid Plan list and notify Cigna of your selection. You can search for participating dentists on Cigna's website.
  • There are some areas in the state where the network dentists may not be available. Be sure to carefully review the provider directory. Some dental offices may be closed to new patients.
  • You must use your selected dentist to receive benefits.
  • The plan provides services at predetermined member copay amounts (reduced fees) for dental treatments.
  • There are no deductibles to meet, no claims to file, no waiting period and no annual dollar maximum. Pre-existing conditions are covered.

You can search for participating dentists on Cigna's website — select the Cigna Dental Care HMO network.
View instructions on locating a Cigna dental provider

Dental Preferred Provider Organization (DPPO)

The Dental Preferred Provider Organization (DPPO) provides services with member coinsurance rates. Any dentist may be used to receive benefits, but member cost will be less if an in-network provider is used.

  • Use any dentist (receive maximum benefits when visiting an in-network MetLife DPPO provider).
  • Member pays coinsurance for covered services.
  • Deductible applies for basic and major dental care only.
  • You or your dentist will file claims for covered services.
  • Referrals are not required.
  • Some services (e.g. crowns, dentures) require a 6-month waiting period before benefits begin.
  • Other services (orthodontics, replacement of missing tooth) require a 12-month waiting period before benefits begin.
  • There are some limitations and exclusions, (e.g. no benefit for cosmetic reasons, congenital malformations, diagnosis or treatment of TMJ.

You pay coinsurance for many covered services and your share is based on the "maximum allowable charge" (MAC) for a given service. You will pay less out-of-pocket when seeking care from a network provider because network dentists and specialists typically agree to the allowable charge up front. Out-of-network providers typically charge more than the allowable charge, resulting in higher costs for you.

You can search for participating dentists on MetLife's website — select the PDP network.

Additional Enrollment Information

Please see the Publications section of this website to view a comparison of covered services and a detailed member handbook.

Continuation of dental coverage through COBRA versus the retiree dental plan
If you are enrolled in dental coverage as an ACTIVE employee under a state sponsored plan and your employment is terminated, you will be given the opportunity to continue your dental coverage for 18 months under the Consolidated Omnibus Budget Reconciliation Act (COBRA). A COBRA notification will be mailed to your home upon the termination of your active coverage. Continuation of dental insurance is NOT automatic at retirement. To continue dental through COBRA, you must complete and return the COBRA enrollment form to Benefits Administration within 60 days of your active coverage terminating. Please indicate if you are a TCRS retiree via a hand written note on the signature page of the COBRA enrollment form.

If you do not qualify to continue dental insurance through COBRA or simply wish to enroll in the retiree dental plan upon the termination of your active insurance coverage, you should submit an application directly to Benefits Administration. Please note, you must be a TCRS retiree or an ORP (optional retirement plan) retiree from a higher education agency. You must submit your enrollment application within 30 days of your active insurance terminating or you will have to wait until the next annual enrollment period to enroll.