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DENTAL INSURANCE
 

Shelby County Schools offers dental benefits administered by Cigna Healthcare.  SCS 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/scs
  • 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    
     Orthodontia

 

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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