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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 PPO (DPPO) coverage for yourself and your eligible dependents in all locations. State Farm also offers a Group Dental HMO (DHMO) option to employees physically located in Atlanta, Dallas, Phoenix and Tacoma.  State Farm shares the cost of employee dental PPO plan coverage with you and pays 100% of the dental HMO plan premium.

The Employee Group Dental Plan options are administered by Cigna and cover the following:

  • The DPPO plan covers Preventive Services at 100 percent of eligible charges. Includes exams, cleanings and x-rays. These fees are applied towards the annual maximum benefit allowance of $1500. 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 DPPO plan covers Basic Services at 80 percent of eligible charges. Includes expenses for fillings, periodontics (treatment of gum disease), anesthesia and simple extractions with major services at 50 percent of eligible charges. Includes expenses for crowns, bridges, moldings, and dental implants.
  • The DPPO plan covers Orthodontic Care at 50 percent of eligible charges up to $1,500 individual lifetime maximum allowance. Includes expenses for orthodontic evaluation, treatment and appliances.
  • The DPPO plan has in-network providers available.
  • The DHMO plan has set co-pays based on procedure codes. Preventive services – exams, cleanings and x-rays are covered with a zero co-pay.
  • The DHMO plan has no annual maximum but has some limitations on procedures.
  • The DHMO plan provides coverage with set co-pays for dental implants, orthodontia care, and teeth bleaching.
  • The DHMO plan requires the use of in-network providers.

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.

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 for U.S. employees.