Overview
Your dental plan options include a range of coverage levels and costs, so you can choose the one that’s best for you. These plans are administered by Cigna. You can enroll as a new hire or if you have a qualifying life event. To enroll, log in to the Workday website.
As a benefits-eligible employee of Starr, you may purchase dental coverage for yourself and your eligible dependents.
You can choose between two plan options:
- High Option
- Low Option
Under both options, you are permitted to use any dentist — either in-network or-out-of-network. When you use in-network providers, you receive a higher level of benefits. Both options cover the same services. However, the High Option provides a higher level of benefits in return for higher premiums, while the Low Option provides a lower level of benefits and costs less.
Dental benefits are provided by Cigna. To see if your dentist participates in the Cigna network, visit www.cigna.com.
| DENTAL PLAN OPTIONS COMPARISON | ||||
|---|---|---|---|---|
| High Option | Low Option | |||
| In-Network | Out-of-Network | In-Network | Out-of-Network | |
| Preventive Services | 100% | 90% | 100% | 80% |
| Annual Deductible (Basic and Major Services Only) | ||||
| Individual | $50 | $75 | $50 | 100 |
| Family | $150 | $225 | $150 | 300 |
| Basic Services | 80% | 70% | 70% | 50% |
| Major Services | 60% | 50% | 50% | 50% |
| Orthodontia
(Dependents under age 20) |
60% | 50% | 50% | 50% |
| Annual Maximum Benefit | $2,000 | $2,000 | $1,500 | $1,500 |
| Orthodontia Lifetime Limit | $2,500 | $2,500 | $1,000 | $1,000 |