If your school system provides dental coverage to retirees that is not one of the state-sponsored dental plans, you have the choice to enroll in the school system’s dental plan, one of the state’s dental plans if you are eligible by drawing a TCRS pension or a combination of the two. If you wish to enroll in both the school system and state plans, you should be aware of the coordination of benefits rules for both plans. Coordination of benefits rules determine the order in which the plans will pay benefits.
Under the Cigna Dental Health Maintenance Organization – Prepaid Provider Plan, coordination of benefits rules apply to specialty care only. For more information, please reference the Cigna DHMO Certificate of Coverage, found by navigating to www.tn.gov/ParTNersForHealth. From there, select Publications > Publications > Dental HMO – Prepaid Provider > Certificate of Coverage
If the Delta Dental benefit plan is primary, Delta Dental will pay the full amount of benefits that would normally be available under the plan. If the Delta Dental benefit plan is secondary to the other dental plan, according to the rules, Delta Dental will pay the benefits under this plan reduced by the amount of benefits paid by the secondary dental insurance plan.
The rules to determine which plan will be primary can be found in the Delta Dental Certificate of Coverage, found by navigating to by navigating to www.tn.gov/ParTNersForHealth. From there, select Publications > Publications > Dental PPO > Certificate of Coverage.
Please Note: Benefits Administration can only assist you with questions about dental coverage under the state-sponsored plans. For questions about other coverage, you will need to contact those plans or ask your former school system for assistance.