Dental Plan Highlights

GT offers three dental plan options through Cigna. Each plan has unique advantages. Understanding the differences between them can help you choose the coverage that best meets your needs.

 PLANS PLAN FEATURES
Access Plus DHMO Plan
  • Provides benefits only if you see an in-network dentist (smaller network)
  • Requires you to choose a primary care dentist to coordinate all of your care
  • Provides benefits based on a copay schedule (click here)
Total DPPO 1 and 2 Plans
  • Allows you to receive care from a dentist in the network or outside the network
  • Pays a portion of your expenses after you meet your annual deductible, except for preventive care which is covered at 100%
  • The annual maximum will increase by $100 for members who had preventive dental care through the GT dental plan in 2025. See chart for details.

Below is a summary of the dental benefits. For more detailed descriptions of each plan, visit the Plan Documents page.

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CIGNA DENTAL PLANS Access Plus
DHMO Plan*		 Total DPPO 1** Total DPPO 2**
Plan Benefits In-Network In-Network Out-of-Network In-Network Out-of-Network
Calendar Year Deductible Indiv. / Fam. N/A $100 / $300 $50 / $150
Annual Maximum (per person) None  Year 1: $1,000, Year 2: $1,100,
Year 3: $1,200, Year 4: $1,300***		 Year 1: $2,500, Year 2: $2,600,
Year 3: $2,700, Year 4: $2,800***
Preventive Services Click Here for
Copay schedule		 100% (deductible waived) 100% (deductible waived) 100% (deductible waived) 100% (deductible waived)
Basic Services 80% 80% 80% 80%
Major Services 50% 50% 50% 50%
Orthodontia (child and adult) $2,400 copay, limitations apply 50% 50% 50% 50%
Orthodontia Lifetime Maximum None $1,000 $2,500
*DHMO is NOT available in AK, ME, MO, NH, NM, ND, SD, VT, WY.
**DPPO Plan names in Texas are known as Dental Choice 1 and Dental Choice 2.
***Increase contingent upon receiving Preventive Services in the previous plan year. Remember – The Annual Maximum for the Total DPPO plans will increase yearly! (You must have had preventive dental care through the GT dental plan in the previous plan year for the increase to apply)

Minnesota Residents: When enrolling in a Cigna Dental Care® plan, you must visit your selected network dentist in order for the charges on the Patient Charge Schedule to apply. You may also visit other dentists that participate in our network, or you may visit dentists outside the Cigna Dental Care® network. If you do, the fees listed on the Patient Charge Schedule will not apply. You will be responsible for the dentist’s usual fee. We will pay 50% of the value of your network benefit for those services. You’ll pay less if you visit your selected Cigna Dental Care® network dentist. Call customer service for more information.

Note: You may select a Network Pediatric Dentist for your child under the age of 13 by calling the Customer Service phone number at 800-244-6224.

 PLAN Out-of-Network Coverage
TOTAL DPPO 1 The Allowed Amount for Non-Participating Providers will be based on the rate we have negotiated with Participating Providers in the area. Note that a Maximum Allowable Charge for an out-of-network provider in the DPPO1 plan may be lower than a Maximum Reimbursable Charge for an out-of-network provider in the DPPO2 plan.
TOTAL DPPO 2 The maximum reimbursable charge is most Cigna will pay a dentist for a covered service or procedure for out-of-network dental care. Normally applies as a percentile, based on the published prevailing HealthCare charges designated by zip code data.