There are two dental plans available that retirees may choose from. Choice 1 is underwritten by CIGNA Dental and Choice 2 is underwritten by Metropolitan Life. Spouse and dependent coverage is available with both plans.
Choice 1 is a dental HMO that lets you choose a dentist from CIGNA's network of almost 33,000 dentists and specialists.
With this plan you'll receive routine preventive services (exams, x-rays, cleanings) at no charge.
And with Choice 1 you'll have no waiting periods, no deductibles and no annual or lifetime maximums.
Member - $25.25
Member & Spouse - $44.86
Choice 2 is a more traditional plan that lets you pick either a network or a non-network dentist.
With this plan there is no deductible for routine preventive services (exams, x-rays, cleanings) and you get the freedom to choose any dentist you want.
Member - $44.98
Member & Spouse - $82.85
Choice 1 has lower rates, no deductibles, and you have to choose a dentist in CIGNA's preferred network.
Choice 2 has higher rates, a $50 annual deductible, and you get to choose any dentist you want.
Quick tip with Choice 2: you can save $ by choosing an in-network dentist
Click on a pdf to view brochures with complete plan information, or to download an application and a Pension Deduction form.
If you choose to download an application, please complete it in full, and send it to:
Pearl Carroll & Associates
12 Cornell Rd.
Latham, NY 12110