Dental Insurance

Optional dental insurance is available to all state plan members. For local education and local government employees, this option is available if offered by your agency. Your agency benefits coordinator can advise you if this option is available. You do not have to enroll in health coverage in order to enroll in optional dental coverage. Retirees are not eligible to enroll in dental coverage.

To view a comparison summary of covered services, please see the Publications & Forms section of this website. Detailed members handbooks may be obtained from your agency benefits coordinator or from the Publications & Forms section.

Prepaid Plan
The Prepaid Plan provides dental services at predetermined copayment amounts, which are reduced fees for dental treatments when members receive service from their selected participating general dentist or from any participating specialist. There are no deductibles to meet, no claims to file, no waiting periods for covered members, no annual dollar maximum and preexisting conditions are covered.  Participants must complete a dentist selection card to designate their general dentist. If eligible family members have a different dentist selection, this information must be included on the card as well. Benefits are administered by Assurant Employee Benefits.

Preferred Provider Option (PPO)
The PPO offers flexibility in that members may choose any dentist; however, members receive maximum benefits when visiting a PPO network provider. No referrals are required with the PPO option and you or your dentist will file claims for covered services. Some services require waiting periods and limitations and exclusions apply. Benefits are administered by Delta Dental.

Premiums
Dental coverage is an employee pay all option. Monthly premium deductions are available from the Premiums page.