Dental Insurance
NEW! For 2010, each dental option has changed from a 2 tier to a 4 tier structure. Employee only, Employee + Spouse, Employee + Children, or Employee + Family coverage is offered. Your cost depends on the option and coverage level you select.
Under any of the dental options, single or family coverage is offered. Your cost depends on the option you choose and whether you select single or family coverage. You have a choice of up to three dental options. Due to availability, your best option may depend on where you live or work. For PPO and Dental DHMO, please check the availability of dentists carefully.
- Regular - For all employees.
- Preferred Provider Option - For employees who live in the metropolitan Atlanta, Augusta, Columbus, Macon, and Savannah areas.*
- Dental DHMO - Specifically for employees who live or work in the metropolitan Atlanta area.*
* If a PPO dentist or a Dental DHMO dentist is available in the area where you live or work, you may choose the applicable option. Under the PPO, you have the freedom to go to any dentist, but, there are benefits of using a PPO participating dentist. If your dentist leaves the Dental DHMO plan during the plan year, you must select another participating dentist.
* It is important that you consider your particular needs and be aware of the potential lack of convenience by choosing a dental option that does not have a dental provider in close proximity to where you live. In this case, you will not be able to change or drop your option.
Contact your personnel/payroll representative if you need assistance in choosing the PPO or Dental DHMO option.
Consider the following:
- If you select the Dental PPO and choose to use a non-PPO dentist, you should expect to pay more out of pocket.
- If you select the Dental DHMO option you must visit a dentist within the CIGNA Dental Care network to receive benefits. You will not receive benefits if you visit a dentist outside the network. You will have limited ability to change dental plans until the following Annual Enrollment.
Did You Know
- Your dental benefits are not taxed, and most dental expenses that are not paid by dental coverage - such as deductibles and co-payments - can be submitted to your health care spending account, providing a tax savings of 26% - 45% on these expenses.
- Certain Restrictions, along with age and frequency limitations, apply to all dental options. For more information on the Regular and PPO Options, call United Concordia toll free at 1-866-215-2356. For more information on the DHMO option, call CIGNA Dental Care at 1-800-642-5810.