Dental Options

CIGNA Dental Info

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CIGNA is the company managing the dental benefits for Saint Joseph's College for 2013.  If you are enrolled in our CIGNA health coverage, there is no separate dental benefit card.  Coverage is processed using one CIGNA benefit card.

The Employee Bi-Weekly Premium Costs are as follows:

  High Plan
Low Plan
SINGLE  $10.95  $7.02
FAMILY  $28.68  $18.38

The benefit options are listed below:

CIGNA Dental PPO
In and Out of
Network Plan
High Plan
Low Plan
Calendar Year Maximum
Class I, II, III, IV expenses		  Progressive Benefit:
Level 1 $1000
Level 2 $1100
Level 3 $1200
Level 4 $1300
 Progressive
Benefit:
Level 1 $1000
Level 2 $1100
Level 3 $1200
Level 4 $1300

Calendar Year Deductible
Per Individual
Per Family

  
$50
$150		  
$50
$150
Class I Expenses
Preventive and Diagnostic Care		  100%
No Deductible		  100%
No Deductible
Class II Expenses
Basic Restorative Care		  80%
After Deductible		 80%
After Deductible
Class III Expenses
Major Restorative Care		 65%
After Deductible		  50%
After Deductible
Class IV Expenses
Orthodontia
($1000 Lifetime Maximum)		  Coverage for eligible
children up to age 19
50%
No Ortho Deductible		  Not covered

Out-of-Network Coverage is the same based on fee schedule.

The summary information for the High and Low options are listed below.