Dental
You can waive coverage or select one of the following:
- Preventive & Diagnostic Dental Care
- Cigna DPPO Dental Plan
- Cigna DPPO Enhanced Dental Plan
- Cigna Dental Care (DHMO)
You pay the cost of dental coverage during your first year at Montefiore. After one year, Montefiore begins to subsidize the premiums for Preventive and Diagnostic Care, DPPO and the DPPO Enhanced dental plans.
Note: If you do not enroll within 30 days of the date you first becom e eligible, you will automatically be enrolled in Preventive & Diagnostic dental coverage for yourself only.
Dental Plan Reimbursement Levels
In-network Benefits
The Preventive & Diagnostic Dental Care, Cigna DPPO Dental Plan and Cigna DPPO Enhanced Dental Plan options provide access to the Total Cigna DPPO Network which includes Montefiore’s Department of Dentistry.
Reimbursement levels for these plans are based on contracted fees with providers in the network. These contracted fees lower your out-of-pocket costs. It does not affect the cost-sharing percentages for care established by the Plan.
You are not required to use these providers. However, you may save money if you do.
Out-of-network Benefits
If you go outside of the Total Cigna DPPO Network, reimbursement levels are based on the Cigna Fee Schedule.
It does not affect the cost-sharing percentages for care established by the Plan. For example, if you visit a dentist outside of the network for Basic Restorative Care, the Plan pays 80% of the Cigna Fee Schedule (not the Billed Charges) and you are responsible for 20% of the Cigna Fee Schedule plus the difference between Billed Charges and the Cigna Fee Schedule.
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Visit the New Hire or New To Benefits page to access information about your benefits offerings for 2025.
Annual Open Enrollment
is Coming in November!
Check back soon for important information about Annual Open Enrollment, including exciting changes coming to your benefits enrollment experience.
