The Cigna Prepaid Dental (DHMO) plan does not require any waiting periods before services will be covered. This is because the prepaid plan pays a fee each month to the participating dentists for each enrolled member and in turn the dentists have agreed to deep discounts in their fees.
The MetLife Dental Preferred Provider Organization (DPPO) plan does require a waiting period before certain more expensive services will be covered. A six-month waiting period applies for implants, bridges, partial dentures, full dentures, crowns and cast restorations. A twelve-month waiting period applies for orthodontic treatment. This discourages members from joining for one year just to receive expensive major services while only paying premiums for one year. Waiting periods cannot be appealed through the state. Please direct any questions concerning waiting periods to MetLife at 855.700.8001.
Unlike our health insurance options, which are self-insured, our dental products are fully insured. This means that the insurance carriers, not the state, are the ones that assume the risk of premium payment versus claims cost.