As you age, it becomes even more important to maintain good oral health. Neglecting your teeth and gums can contribute to major medical issues like heart disease and diabetes1. CSEA-Sponsored Retiree Dental Insurance can help cover your dental expenses—so you can continue to lead a happy and healthy life.

Plan Details

Retirees may choose between two dental plans. Choice 1 is underwritten by Cigna Dental, and Choice 2 is underwritten by Metropolitan Life Insurance Company. Spouse and dependent coverage is available with both plans.

Choice 1 - CIGNA Dental

Choice 1 is a dental HMO that lets you choose a provider from Cigna's network of over 30,000 dentists and specialists. With this plan, you'll receive routine preventive services (exams, x-rays, and cleanings) at no charge. You'll have no waiting periods, no deductibles, and no annual or lifetime maximums.

Monthly Rates

Member $30.99
Member +1 (spouse or child) $58.25
Family (Member, Spouse & Children) $101.64

Choice 1 Cigna Dental Patient Charge Schedule

Click here to find a Choice 1 Cigna participating dentist or call 1.800.367.1037, select Automated Menu Option #3 "Find a Dentist" to verify they are accepting new patients in the Cigna HMO plan.

Choice 2 - MetLife Dental

Choice 2 is a more traditional plan that lets you pick either a network or a non-network dentist. With this option, there is no deductible for routine preventive services (exams, x-rays, and cleanings) and you get the freedom to choose any dentist you want2

Monthly Rates

Member $46.78
Member +1 (Spouse or Child) $86.16
Family (Member, Spouse & Children) $112.24

Click here to find a participating dentist near you.

Please refer to brochure to view Plan Details, a List of Covered Services, Exclusions and Limitations.

What's the Difference?

Choice 1 has a lower monthly rate and no deductibles, but you are limited to the dentists available in Cigna's preferred network.  You cannot go out of network.

Choice 2 has a higher monthly rate and a $50 annual deductible per person up to a maximum of $150 per family per calendar year, but you get to choose any dentist you want. You can save money by choosing an in-network dentist2.  There is a $1,500 annual maximum per person.

Based on internal analysis by MetLife, savings from enrolling in a dental plan will depend on various factors, including how often participants visit the dentist and the costs for services received.

"What conditions may be linked to oral health?" Mayo Clinic. Web. 3 March 2016.

Your out-of-network cost may be greater when you visit a dentist who does not participate in the MetLife Network.


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