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Dental and Vision Insurance

2024 Dental Insurance

Eligible employees can choose from two dental options:

  • Prepaid Plan
  • Dental Preferred Provider Organization

The Prepaid Plan will be administered by Cigna and the DPPO will be administered by Delta Dental.

The Prepaid Plan provides services at predetermined copay amounts from a limited network of participating dentists and specialists.

  • To receive benefits, you must select a dentist from the Prepaid Plan list and notify Cigna of your selection. You can search for participating dentists on Cigna's website.
  • There are some areas in the state where the network dentists are not available. Be sure to carefully review the provider directory. Some dental offices may be closed to new enrollment.
  • You must use your selected dentist to receive benefits.
  • The plan provides services at predetermined member copay amounts (reduced fees) for dental treatments.
  • There are no deductibles to meet, no claims to file, no referrals, no waiting period and no annual dollar maximum. Pre-existing conditions are covered.

You can search for participating dentists on Cigna's Plan Information - select the Cigna Dental Care HMO network.

You can also contact Cigna directly to inquire about eligibility or request dental cards at 800.997.1617.

The Dental Preferred Provider Organization (DPPO) provides services with member coinsurance rates. Any dentist may be used to receive benefits, but member cost will be less if an in-network provider is used.

  • Use any dentist (receive maximum benefits when visiting an in-network MetLife DPPO provider).
  • Member pays coinsurance for covered services. Deductible applies for basic and major dental care only.
  • You or your dentist will file claims for covered services. Referrals are not required.
  • Some services (e.g. crowns, dentures) require a 6-month waiting period before benefits begin.
  • Other services (orthodontics, replacement of missing tooth) require a 12-month waiting period before benefits begin. There are some limitations and exclusions, (e.g. no benefit for cosmetic reasons, congenital malformations, diagnosis or treatment of TMJ.
  • You pay coinsurance for many covered services and your share is based on the "maximum allowable charge" (MAC) for a given service.
  • You will pay less out-of-pocket when seeking care from a network provider because network dentists and specialists typically agree to the allowable charge up front.
  • Out-of-network providers typically charge more than the allowable charge, resulting in higher costs for you.

You can search for participating dentists on the Delta Dental website. Select the Delta Dental PPO network.

You can also contact Delta Dental directly to inquire about eligibility or request dental cards at 800.552.2498.

2024 Vision Insurance

Vision coverage is available to all state and higher education employees and dependents. You must pay 100 percent of the premium if you elect this coverage. Two options are available — a basic plan and an expanded plan. Both plans offer the same services, including:

  • Annual routine eye exam
  • Frames
  • Eyeglass lenses
  • Contact lenses
  • Discount on LASIK / refractive surgery
  • Hearing services and products

In both plans, you pay copays or when the cost exceeds the allowed dollar amount, you pay the cost of materials and services. Discounts may be available for select materials.

Additional Benefits

EyeMed offers some additional benefits, based on the plan you choose, including:

  • 40% off complete additional pair of eyeglasses or 20% off non-prescription sunglasses and accessories at in-network providers.
  • Convenient online shopping from participating online providers, like LensCraftersTarget and ContactsDirect with free shipping and returns.
  • If you lose or break your glasses while traveling abroad, EyeMed's International Travel benefit makes sure you’ll be taken care of.
  • Save up to 64% off the retail price on thousands of hearing aids from the top brands.

Questions or Concerns?

For questions about Vision Insurance you can go to Partners for Health / EyeMed - State of Tennessee.

You can also call EyeMed at 855.779.5046:

  • Monday through Friday 7 am — 10 pm CST
  • Sunday 10 am — 7 pm CST
Dec 14, 2023