Retiree: Dental Plans

Pinellas County provides dental coverage to its retirees through Cigna with a choice of three dental plans: HMO, Basic PPO, and PPO with Orthodontia.

To sign up for dental coverage, your Enrollment Form must be received by Benefits within 31 days of your leaving active employment. This is your only opportunity to enroll in the group plans. Use the Mid-Year Change Form if you need to change your coverage later due to a status change such as divorce or death. Plan design and premiums can be changed at any time with approval from the Board of County Commissioners.

Eligibility

The Group Dental Plan coverage is available to retirees if you meet the following eligibility requirements:

• You are a participant in the FRS Pension Plan and are leaving County service to receive regular, early, or disability retirement benefits, or
• You are a participant in the FRS Investment Plan, are leaving County service and either meet the age and service requirements to qualify for normal retirement (age 62 and vested or 30 years of service if hired before July 1, 2011 or age 65 and vested or 33 years of service if hired after that date) or have 6 years of creditable service (hired before July 1, 2011) or 8 years of creditable service (hired after July 1, 2011) and have reached age 59 1/2.
• Enrollment is subject to the eligibility provisions and pre-existing condition limitations of the Group Plan.

Quick Comparison Chart

Cigna Health Maintenance Organization (HMO) Plan

Cigna Dental HMO 2024 Monthly Premiums

Coverage	Monthly Premium
Retiree Only	$7.39
Retiree + 1	$10.57
Retiree + 2 or more	$14.81

• Please note that the HMO plan is only available to Florida residents.
• The monthly premiums charged for retirees and dependents are shown above.
• Network benefits only. You are required to choose a dentist from the network. To locate a network provider:
  • Call your dentist to ask if they participate in the plan or visit www.myCigna.com.
  • Also see Finding a Cigna DHMO Dentist or Specialist.
• Before scheduling an appointment, please contact Cigna Member Services at (800) 862-3557 to select your dentist.
• Preventive services such as annual exams, x-rays, and cleanings are at no cost.
• No maximum annual benefit.
• Copayments apply based on the procedure and the established fee schedule.
• Orthodontics are not included.
• Coverage provides 2 cleanings and up to 4 exams per year as described in the Dental Charge Schedule.
• Specialists are not covered except for in-network pediatric dentists for children up to age 13.
• ID cards: Cards are issued to new members only. Once you receive your card, contact Cigna to select your dental provider.
• For more info, see:
  • Cigna HMO Patient Dental Charge Schedule
  • Cigna HMO Dental Plan

Cigna Preferred Provider Organization (PPO) Plans

Cigna Dental PPO 2024 Monthly Premiums

Plan	Retiree Only	Retiree + 1	Retiree + 2 or More
Dental PPO Basic (default plan)	$43.41	$84.00	$132.76
Dental PPO with Orthodontia	$45.65	$88.31	$139.59

• The monthly premiums charged for retirees and dependents are shown above.
• The PPO plans are identical except that only one provides orthodontia coverage for abnormalities of the teeth and jaw such as crooked teeth or a poor bite which may include braces.
• Both plans provide:
  • In network and out-of-network benefits.
  • The option to choose any general dentist to give you the maximum choice of dentists. We encourage you to choose a Cigna Radius network provider to reduce your costs. If you use a dentist outside the Cigna Radius network, you will pay more for the same service.
  • The option to choose any specialist with no referral required.
  • Annual maximum benefit of $2,000 that Cigna will pay towards services each year, and a separate lifetime maximum of $1,500 for the orthodontia plan.
  • No pre-existing condition limitations.
  • Preventive care coverage at 100% including 2 exams and 2 cleanings per year. NOTE: The previous PPO plan covered 3 cleanings per year, but only the first $150 of costs was covered at 100%. Receiving more than 2 cleanings typically costs more than $150, resulting in no change to the benefit.
  • Deductible of $50 for individuals and $150 for family per calendar year for non-preventive care.
  • Basic restorative care (such as fillings, simple extractions, anesthetics, minor and major periodontics, root canal therapy, bridge repair, crown repair) covered at 80% after the deductible.
  • Major restorative care (such as crowns, inlays, dentures and bridges) covered at 50% after the deductible.
• The PPO with Orthodontia plan includes:
  • Child and adult orthodontia care coverage covered at 50% after deductible and with a separate $1,500 lifetime maximum coverage.
  • The $1,500 lifetime maximum is a separate maximum just for orthodontia coverage and does not count against the $2,000 annual maximum.
• ID cards: Cards are issued only to members who selected PPO Basic. The cards will look the same as last year’s.
• For more info, see:
  • Cigna PPO Basic Dental Summary
  • Cigna PPO Basic Dental Plan
  • Cigna PPO with Orthodontia Dental Summary
  • Cigna PPO with Orthodontia Dental Plan
  • Cigna Dental Claim Form (login required)

Additional dental plan information is available upon request for residents outside of Florida.

Dental Resources from Cigna

See Cigna Dental Health Resources for articles on topics such as dental anxiety, gum disease, dental emergencies, effects of smoking on your teeth, oral surgery preparation, types of dentists, kids’ dental health, etc.

9/20/24