Eligible employees can choose from two dental options:
(Note: Local education and local government members should check with their agency benefits coordinator to see if dental insurance is available.)
The Prepaid Plan is administered by Assurant Employee Benefits and provides services at predetermined copay amounts from a limited network of participating dentists and specialists.
Preferred Dental Organization (PDO)
The Preferred Dental Organization (PDO) is administered by Delta Dental and 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.
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 at Delta Dental TN — select the Delta Dental PPO network.
Additional Enrollment Information
Please see the Publications section of this website to view a comparison of covered services and a detailed member handbook. Enrollment applications are available on the Forms Page.
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 Tennessee Consolidated Retirement System 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 transfer period to enroll.