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Health & Welfare: Group Dental

As a State Farm employee, your Total Rewards employee benefits package offers you the ability to choose Group Dental coverage for yourself and your eligible dependents. State Farm shares the cost of employee dental plan coverage with you.

The Employee Group Dental Plan is administered by Cigna and covers the following:

  • Preventive Services at 100 percent of eligible charges. Includes exams, cleanings and x-rays.
  • Basic Services at 80 percent of eligible charges. Includes expenses for fillings, periodontics (treatment of gum disease), anesthesia and simple extractions.
  • Major Services at 50 percent of eligible charges. Includes expenses for crowns, bridges, moldings and dental implants.
  • Orthodontic Care at 50 percent of eligible charges up to $1,000 individual lifetime maximum allowance. Includes expenses for orthodontic evaluation, treatment and appliances.

General Information

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 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 go farther.

Enrollment Details

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 Center within 31 days of an event in order to be eligible for coverage.

State Farm encourages you to review your benefit options carefully and make informed decisions.


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 for U.S. employees.