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Dental Insurance

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.)

View a comparison of the plans' benefits »

Cigna Prepaid Plan

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

MetLife Dental Preferred Provider Organization (DPPO)

The 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.

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.

Provider Search

Cigna Prepaid — cigna.com/stateoftn
(select the Cigna Dental DHMO Network)
View instructions on locating a Cigna dental provider

MetLife DPPO — mybenefits.metlife.com/StateOfTennessee
(State of Tennessee is the account name)


For more detailed information, member handbooks are available on the Benefits Administration website.