Dental Insurance

(state and higher education employees | retirees  if receiving a monthly pension from TCRS based on their own service or if they participated in a higher education optional retirement plan | local education and local government employees contact agency to see if agency participates)

Dental icon

Eligible employees can choose from two different dental insurance plans. Members pay the full monthly premium. We recommend comparing the networks and benefits. 

Click here for a 2022 comparison of the plans' benefits.

Click here to see the 2022 dental premium rates.

ID Cards

All newly enrolled members will receive new ID cards. Members can request additional ID cards by contacting their insurance company or by using the insurance company's mobile app. 

Delta Dental logo with white words on a green background

Delta Dental of Tennessee Dental Preferred Provider Organization

Members can use any dentist, but will save money when using an in-network provider. Members pay deductibles and co-insurance for services.

7 a.m. to 5 p.m. CT

Provider search

Delta Dental DPPO –

More about the Delta Dental DPPO

  • You can use any dentist, but you receive maximum benefits when visiting an in-network DPPO provider for the state's dental plan. Review Delta Dental’s DPPO network (coming soon).
  • You pay deductibles and co-insurance for some dental care. Deductible does not apply to diagnostic and preventive benefits such as periodic oral evaluation.
  • You or your dentist will file claims for covered services. Discuss any estimated expenses with your dentist or specialist. Charges for dental procedures are subject to change.
  • Waiting periods apply for some services (e.g., crowns, dentures, implants and complete or partial dentures) from the member’s coverage start date before benefits begin.
  • Teledentistry is offered and claims are handled as if the patient received dental services in a dental office. Charges are considered as Type A: Diagnostic and Preventive and are subject to frequency limitations.
  • There is a 12-month waiting period from the member’s coverage start date that applies to dentures and implants to replace one or more natural teeth.
  • Referrals to specialists are not required.
  • Dental treatment in progress at time of member’s effective date with Delta Dental may have pro-rated benefits under the Delta Dental plan. Delta Dental will work with your dentist to ensure you continue to receive the benefits that are covered. For ortho claims, ask your orthodontist or dental office to submit a claim with the total fee, initial banding date, and total number of months of treatment. This detail will allow us to calculate what we can pay.
  • Time enrolled in the MetLife DPPO for the State Group Insurance Program will count toward waiting periods under the Delta Dental DPPO contract.
  • See the Certificate of Coverage for coverage details.
  • You pay coinsurance for many covered services and your share is based on the provider negotiated fee, or PNF agreed upon by the provider and Delta Dental of Tennessee. The PNF is the highest dollar amount of reimbursement for specific dental procedures provided by Delta Dental DPPO in-network providers. The in-network dentists have agreed to not charge members or the plan more than the PNF. When a member receives dental services from an out-of-network provider, the out-of-network dentist will be paid by the plan for covered procedures according to the average PNF for in-network providers and respective plan coinsurance. The member then is responsible for all other charges by the out-of-network dentist.

Cigna Dental Health Maintenance Organization - Prepaid Provider

Members are required to use a network general dentist.  Members must select a network general dentist and notify Cigna. Members pay copays for services. Review the Patient Charge Schedule under Publications and Dental HMO - Prepaid Provider.


Provider search

Cigna DHMO —  Cigna's website 
View instructions on locating a Cigna dental provider.

More about the Cigna DHMO

  • You must select and use a Cigna network general dentist from the DHMO list for the state’s dental plan and let Cigna know of your choice.
  • You must use your selected dentist to receive benefits.
    • You may select a network pediatric dentist as the network general dentist for your dependent child under age 13. At age 13, you must switch the child to a network general dentist or pay the full charge from the pediatric dentist.
  • There may be some areas in the state where network general dentists are limited or not available. Before enrolling, carefully check the network for your location.
    • With the DHMO, you may be able to cancel this coverage if you enroll and later there are no network general dentists within a 25-mile radius of your home address.
  • You pay copays for dental treatments. Review the Patient Charge Schedule under Publications and Dental HMO - Prepaid Provider at before having procedures performed.
  • No deductibles to meet, no claims to file, no waiting periods, no annual dollar maximum.
  • Preexisting conditions are covered.
  • Referrals to specialists are required.
  • Teledentristy offered at no charge.
  • The completion of crowns, bridges, dentures, implants or root canal or orthodontic treatment treatment already in progress on a new member’s effective date will not be covered. 
  • See the Certificate of Coverage under Publications and Dental HMO - Prepaid Provider at for complete details.

Additional enrollment information

Please click here to visit the Publications page under Dental PPO or Dental HMO - Prepaid Provider to view additional information.

Continuation of dental coverage through COBRA or 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 (separation of service or retirement), you will be given the opportunity to continue your dental coverage for 18 months under the Consolidated Omnibus Budget Reconciliation Act , or COBRA. A COBRA notification will be mailed to your home address listed in Edison upon the termination of your active coverage. To continue dental through COBRA, you must complete and return the COBRA enrollment form to Benefits Administration within 60 days of the latter of the date active coverage would end or the date on the COBRA notification letter. Please indicate if you are a Tennessee Consolidated Retirement System, or TCRS retiree via a hand written note on the signature page of the COBRA enrollment form. Continuation of dental insurance is NOT automatic at retirement.

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 optional retirement plan, or ORP retiree from a higher education agency.

Upon expiration of your COBRA coverage, if you enrolled in this option and you are receiving a monthly TCRS pension or a higher education ORP retiree, you will be given an opportunity to enroll in the retiree dental plan.

NOTE:  A complete description of the benefits, provisions, conditions, limitations and exclusions for both the Delta Dental and Cigna dental plans will be included in their respective Certificate of Insurance. If any discrepancies exist between the information listed above and the legal plan documents, the legal plan documents will govern. We recommend you review these documents.