Dental Plan

You have a choice of three dental plans. (You also have the option of declining dental coverage.) While the three plans provide different levels of benefits, each gives you and your family access to affordable, quality dental care:

• MetLife Preferred Provider (Dental PPO)
• CIGNA Dental HMO

The MetLife PPO provides coverage whether you use a participating MetLife provider or you use an out-of-network provider; your out-of pocket costs are generally lower when you use a participating dentist. Co-payments and deductibles vary between the basic and the plus plans. The CIGNA HMO requires that you use a participating dentist.

Your share of the cost of dental coverage is paid for with pre-tax dollars. Dental costs not covered by your dental plan may be eligible for reimbursement through the Health Care Reimbursement Account (HCRA).

Note: All benefits and programs are subject to change from time to time in accordance with institutional policy. A full policy description is available on the intranet.