Health & Welfare
As a State Farm employee, your Total Rewards package offers you the ability to choose Group Dental coverage for yourself and your
eligible dependents. State Farm shares the cost of this coverage with you.
State Farm’s Group Dental Plan is administered by CIGNA and covers the following:
- Preventive Services at 100% of eligible charges. Includes exams, cleanings, and x-rays.
- Basic Services at 80% of eligible charges. Includes expenses for fillings, periodontics (treatment of gum disease), anesthesia,
- and simple extractions.
- Major Services at 50% of eligible charges. Includes expenses for crowns, bridges, and moldings.
- Orthodontic Care at 50% of eligible charges up to $1,000 individual lifetime maximum allowance. Includes expenses for orthodontic evaluation, treatment, and appliances.
There is a $50 individual and $150 family deductible per calendar year for Basic and Major Services. However, the Plan deductible
does not apply to Preventive Services or Orthodontic Care. The maximum benefit payable from the Plan for non-orthodontic eligible
services each year is $1,200 per person. Eligible orthodontic expenses are covered up to a $1,000 lifetime maximum per person.
You also have the opportunity to take advantage of lower fees, by simply choosing a dental provider who is part of the Preferred Provider
Organization (PPO) network. These providers have negotiated lower fees for their services, which can help your benefit dollars
Remember, enrollment in any State Farm plan remains optional. However, it’s important you understand that if you fail to enroll or
decide to waive or cancel dental coverage, you must wait until the next Annual Enrollment Period to enroll. Your coverage would
then be effective the following January 1. If you have a qualified Health Insurance Portability and Accountability Act (HIPAA)
special enrollment event (e.g., loss of coverage, obtaining a new dependent due to marriage, a birth, an adoption, or placement for
adoption), you may be eligible to enroll in medical coverage mid-year. You must notify the State Farm Benefits Resource
Center at Aon Hewitt within 31 days of an event in order to be eligible for coverage.
For information regarding mid-year changes and qualifying events, please be sure to consult the Human Resources Online Policy
Manual, under Flexible Compensation Plan, once you begin your employment with State Farm.
State Farm encourages you to review your benefit options carefully and make informed decisions.
Disclaimer: This brief overview of the State Farm Group Dental Plan is not intended to be a complete explanation of plan features. For more detailed information, please refer to the online Human Resources Policy Manual that will be available to you once you begin your employment with State Farm.