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Dental Insurance

Dental icon

Eligible employees can choose from two different dental insurance plans.

Members pay the full premium. We recommend comparing the networks and benefits. 

Prepaid Dental Plan

Cigna Dental Care® Prepaid Plan

Members are required to use a Network General Dentist (NGD).  Members must select a NGD and notify Cigna. Members pay copays for services. 

Cigna - Prepaid

Dental Preferred Provider Organization

MetLife DPPO

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

Note: Local education and local government employees should check with their agency benefits coordinator to see if dental insurance is available. Retirees are eligible if receiving a monthly pension from TCRS based on their own service or if they participated in a higher education optional retirement plan.

MetLife - DPPO
Monday - Friday, 7-10 CT

Click here for a comparison of the plans' benefits.


Cigna Dental Care® Prepaid Plan

  • You must select a Network General Dentist (NGD) from the Prepaid Dental Plan list for the state’s dental plan and let Cigna know of your choice. The list of providers in the Cigna network for the state may be found by visiting the website
  • You must use your selected dentist to receive benefits.
    • You may select a network Pediatric Dentist as the NGD for your dependent child under age 13. At age 13, you must switch the child to a NGD or pay the full charge from the pediatric dentist.
  • There may be some areas in the state where NGDs are limited or not available. Before enrolling, carefully check the network for your location.
    • With the prepaid dental plan, you may be able to cancel this coverage if you enroll and later there are no NGDs within a 40-mile radius of your home address.
  • You pay copays for dental treatments. Refer to the Prepaid Dental Patient Charge Schedule under Publications and Dental Insurance at for a list of covered procedures and copays.
  • No deductibles to meet, no claims to file, no waiting periods, no annual dollar maximum.
  • Preexisting conditions are covered.
  • Referrals to Specialists are required.
  • Orthodontic treatment is not covered if the treatment plan began prior to the member’s effective date of coverage with Cigna. The completion of crowns, bridges, dentures, or root canal treatment already in progress on the member’s effective date of coverage is also not covered. See the Cigna Prepaid Dental Certificate of Coverage under Publications and Dental Insurance at for complete details.

MetLife Dental Preferred Provider Organization (DPPO)

  • You can use any Dentist, but you receive maximum benefits when visiting an in-network MetLife DPPO provider for the state's dental plan. The list of providers in the MetLife DPPO network for the state may be found by visiting the website
  • Deductible applies for Basic and Major dental care.
  • You pay coinsurance for Basic, Major, Orthodontic and out-of-network covered services.
  • You or your Dentist will file claims for covered services.
  • Some services (e.g., crowns, dentures, implants and complete or partial dentures) require a six-month Waiting Period from the member’s coverage start date before benefits begin.
  • There is a 12-month Waiting Period from the member’s coverage start date for both the replacement of a missing tooth and Orthodontics.
  • Referrals to Specialists are not required.
  • Pre-treatment estimates are recommended for more expensive services.
  • Dental treatment in progress at time of member’s effective date with MetLife may have pro-rated benefits under the MetLife plan. MetLife has transition-of-care guidelines for participants whose dental treatment is in progress during the benefit plan transition to MetLife. See the MetLife DPPO Certificate of Coverage under Publications and Dental Insurance. Note: Waiting periods may apply.

You pay coinsurance for many covered services and your share is based on the "maximum allowable charge" (MAC) for a given service. MAC is the lesser of the amount charged by the dentist or the maximum payment amount that in-network dentists have agreed to accept in full for the dental service. When you receive dental services from an out-of-network provider, MetLife will reimburse a percentage of the MAC. You are then responsible for paying everything over the percentage of MAC reimbursed up to the charge submitted by the out-of-network dentist. Out-of-network providers typically charge more than the allowable charge, resulting in higher costs for you.

Provider search

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

MetLife DPPO — MetLife's website

Additional enrollment information

Please click here to visit the Publications page under Dental Insurance 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 of retirement), 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 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 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 ORP (optional retirement plan) 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 MetLife 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.