DENTAL INSURANCE
Memphis-Shelby County Schools offers dental benefits administered by Cigna Healthcare. MSCS offers three plans with different coverage levels and calendar year maximums to accommodate your dental needs and budget. The side-by-side comparison shown below highlights copayments, coinsurance, deductibles, and other pertinent information. For more detailed information on each plan, please view the summary of benefits for each individual plan: DPPO $2000 | DPPO $1500 | DPPO Advantage
Eligibility & Enrollment Information:
- Full-time permanent employees (working 30 hours or more per week) may enroll in coverage within 30 days of their hire date (30 days for a re-hire). Employees may cover their legal spouse and their dependent children age 26 and under.
- Enrollment must be completed online at https://www.mybentek.com/mscs
- Coverage is effective the first day of the month after the completion of 30 days of employment.
- You can only make changes to your dental benefits during Open Enrollment each year or within 30 days of a qualifying life event (example: marriage, divorce, birth/adoption of a child, loss of other coverage, dependent loss of other coverage, etc.).
- To view your personal benefits enrollment information, go to www.mycigna.com. For additional questions about your coverage, contact Cigna at 1-800-736-7568.
Comparison of Plans:
CIGNA Dental Plan Comparison
| Cigna DPPO $2,000 Plan | Cigna DPPO $1,500 Plan | Cigna DPPO Advantage Plan | ||
Network | Out-of-Network | Network | Out-of-Network | In-Network | |
You Pay | You Pay | You Pay | |||
| Annual deductible (employee only/family) | $25/$75 | $50/$150 | $50/$150 | $100/$300 | None |
| Calendar-year maximum | $2,000 | $2,000 | $1,500 | $1,500 | Unlimited |
Preventive/diagnostic services (annual cleanings, exams, etc.) | 0% | 0% | 0% | 0% | 0% |
Basic services (fillings, extractions, etc.) | 20%* | 20%* | 20%* | 20%* | 20%* |
Major services (crowns, bridges, etc.) | 40%* | 40%* | 50%* | 50%* | 50%* |
Orthodontia
Deductible
Dependent Children
Adults
Lifetime Max for
| 50%
None
Up to Age 26
Not Covered
$2,000 | 50%
None
Up to Age 26
Not Covered
$2,000 | 50%
None
Up to Age 26
Not Covered
$2,000 | 50%
None
Up to Age 26
Not Covered
$2,000 | 100%
$2,300
Up to Age 26
Covered
N/A |
Pricing Summary:
CIGNA Dental Plan Cost Comparison
| 20 Pay Premiums | 24 Pay Premiums |
| DPPO $2,000 | ||
| Employee | $25.62 | $21.35 |
| Employee + 1 | $53.80 | $44.84 |
| Family | $76.86 | $64.05 |
| DPPO $1,500 | ||
| Employee | $15.48 | $12.90 |
| Employee + 1 | $32.50 | $27.09 |
| Family | $46.43 | $38.69 |
| DPPO Advantage (In-Network Only) | ||
| Employee | $11.41 | $9.51 |
| Employee + 1 | $23.95 | $19.96 |
| Family | $34.22 | $28.52 |
*After Deductible - Since the DPPO Advantage Plan network is smaller, please make sure your dentist is a participating provider prior to receiving services.
For questions, please feel free to call (901) 416-5304 or email us at [email protected].
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