Dental Insurance - PPO Plan

Starr Wright USA offers a CIGNA Dental PPO Plan to full/part-time federal employees residing in the following states: Alaska, Hawaii, Maine, Montana, New Hampshire, New Mexico, North Dakota, Rhode Island, South Dakota, Vermont, and Wyoming. This plan is only available to residents of those states. If you are a full/'part-time federal employee residing in any other state, you may apply for our Premier or Economy plans.

PPO Plan Application

Your future Starr Wright USA premiums can be paid automatically from your account at your financial institution on a Monthly, Quarterly, or Annual basis through Electronic Funds Transfer (EFT). To sign up for EFT: download, complete, and return our EFT Form along with your completed application.

Starr Wright USA also offers an additional payment option by enabling you to charge your future premiums on a reoccurring basis to one of your major credit cards by downloading, completing, and returning our Credit Card Authorization Form along with your completed application.

Benefit Summary

Benefit Limitations

Benefit Exclusions

Rates:

Coverage Level Monthly Rate Quarterly Rate
Employee Only $40.21 $160.84
Employee & Spouse $77.43 $309.72
Employee & Child(ren) $97.73 $391.72
Employee & Full Family $150.67 $602.68

Frequently Asked Questions (FAQs):

Who is eligible?

Only full/part-time federal employees residing in the following states: Alaska, Hawaii, Maine, Montana, New Hampshire, New Mexico, North Dakota, Rhode Island, South Dakota, Vermont, and Wyoming.


When is my policy effective?

If you enroll between the 1st and 15th of the month, your coverage will become effective on the 1st of the next month. If you enroll after the 15th of the month, your coverage becomes effective the first of the following month.

EXAMPLES:

You enroll on January 8th; your coverage becomes effective February 1st.

You enroll on January 17th; your policy becomes effective March 1st.


Do I have to select a dentist from a network?

No. However, if you use a dentist outside of the network your costs could be higher depending on what class of service you are receiving. Please refer to the Benefit Summary to see the percentage covered for In-Network and Out-of-Network services received. For instructions on how to select a Core Network Dentist click here.


Is there a Calendar Year deductible?

Yes. Whether going in-network or out-of-network, Starr Wright USA Customers pay a deductible of $50 Per Individual/$150 Per Family.


Are there Calendar Year coverage limits?

Yes. The maximum amount of benefits is $1,500 per person In-Network and $1,000 Out-of-Network.


Are there waiting periods?

There is no waiting period for Class I (Preventive & Diagnostic Care) or Class II (Basic Restorative Care). Starr Wright USA Customers must be enrolled in the Plan for 12 months before the Plan will pay for services listed in Class III (Major Restorative) and Class IV (Orthodontia). Please refer to the Benefit Summary page to see a list of benefits provided under each Class.


How Much Can I Save by Staying In-Network?

By visiting an In-Network dentist, you can experience substantial savings. Click here to see a comparison of what a family of four would pay for common dental procedures if they:

  1. Weren't covered under the CIGNA DPPO Plan and visited the dentist.
  2. Were covered under the CIGNA DPPO Plan and visited an In-Network dentist.
  3. Were covered under the CIGNA DPPO Plan and visited an Out-of-Network dentist.

Based on the chart, it's easy to see that the greatest savings will come if you stay In-Network as a CIGNA DPPO customer.