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Dental Insurance

Eligible employees can choose from two Voluntary Dental Insurance plans:

(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 »

Prepaid (DHMO) Plan — Cigna

DPPO — MetLife

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

MetLife DPPO — metlife.com/StateOfTN


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