Dental Insurance

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Please Note: If you reside in Alaska, Hawaii, Maine, New Hampshire, New Mexico, North Dakota, Rhode Island, South Dakota, Vermont, or Wyoming, you are not eligible for the Premier or Economy plan; you are eligible for the PPO Plan.

About Starr Wright USA's Dental Insurance

Proper dental care is essential for good overall health. Federal employee dental plans from Starr Wright USA can help keep you healthy and smiling.

Starr Wright USA has developed a variety of federal employee dental plans to fit any budget and location, so you can get the dental care that you and your family need. Starr Wright USA's Dental Plans are Dental Health Maintenance Organization (DHMO) plans. For additional information about what a DHMO is and how it functions, watch this video.

If your dentist is a member of our dental care provider network, you are eligible for our federal employee dental plans that feature:

  • No deductibles;
  • No copayment for preventive services;
  • No annual maximum dollar limits;
  • No waiting periods;
  • No claim forms;
  • Flex Advantage Option enables the Premier Plan to function like a PPO Plan;
  • You can carry your Starr Wright USA Dental Plan coverage into retirement provided you initially purchased it while you were still an active full/part-time federal employee.

Please select which of our two available plans interests you.

Please Note: The two (2) plans (Premier and Economy) are not currently available in the following states: Alaska, Hawaii, Maine, New Hampshire, New Mexico, North Dakota, Rhode Island, South Dakota, Vermont, and Wyoming. If you reside in one of those states, you may obtain additional information about and apply for our PPO plan by clicking here.

Dental Discount Program

Starr Wright USA also offers a CIGNAPlus Savings program to full/part-time federal employees and federal retirees nationwide.

What is Wright’s CIGNAPlus Savings program?
First of all, what it’s not. Wright’s CIGNAPlus Savings program is not insurance. Instead, it’s a dental discount program. Enrolling in the program is like signing up for a group membership card that gets you an average of 35% off most commonly performed dental services.

What is the cost?
Starr Wright USA’s Dental Discount Program has ultra-low rates:  $6 per month for an individual; $12 per month for a family.

Where can I apply?
Get started by going to the Starr Wright USA CIGNAPlus Savings website, entering WUSA as the group code, and clicking on the blue "Go" button under “Enroll Today!” in the lower right corner of the page. After that, simply follow the step-by-step instructions. It should only take about 5 minutes. Or, you can enroll over the phone by calling 877-521-0244 and providing the group code WUSA.

When can I enroll?
Any time. 24/7/365. You can enroll in any of our plans throughout the year.

How do I get more information?
Additional information on plan details, sample dental discounts, additional discounts, how to enroll, and using the program can be found here.

What are some common FAQs?
Answers to some of the most common Frequently Asked Questions (FAQs) can be found here.

Why should I choose the Starr Wright USA Dental Discount Program over other Dental Discount programs currently on the market?
There are three excellent reasons to choose Starr Wright USA's Dental Discount Program over other dental discount programs: our program is exclusively for federal employees like you; we have one of the largest nationwide networks (with 80,000+ providers); and we provide more value-added benefits than any other plan. So why delay?  Enroll today by entering the group code WUSA and clicking on the blue "Go" button under “Enroll Today!” in the lower right corner of the page. After that, simply follow the step-by-step instructions.  It should only take about 5 minutes and you can be on your way to start saving money on dental services.

General

You must be a full or part-time federal employee to apply for Starr Wright USA's CIGNA Dental Care® (DHMO) Premier Dental Plan. You can carry your Premier Dental Plan coverage into retirement provided you initially purchased it while you were still an active full/part-time federal employee.

Please Note: The Premier Dental Plan is not currently available in the following states: Alaska, Hawaii, Maine, Montana, New Hampshire, New Mexico, North Dakota, Rhode Island, South Dakota, Vermont, and Wyoming. If you reside in one of these states, you may obtain additional information about and apply for our PPO plan by clicking here.

You must pick a network dentist when you apply. Find a dentist near your home/office by using the CIGNA Provider Directory online. Select "Dentist" under "What Type of Provider are you looking for?", provide at least the additional required information, and click on the "Next" button. Select "CIGNA Dental Care (HMO)", then "DHMO Network" and dentist type in the drop-down boxes. You can also call the automated Dental Office Locator at 800-244-6224 any time. For additional detailed instructions click here. Whether you apply online or via downloaded application, make sure to indicate your choice of dentist when you apply.

Benefit Highlights

  • No deductibles to meet
  • No copayments required for most services
  • No pre-authorization paperwork
  • No claim forms
  • No waiting periods – benefits start as soon as the policy becomes effective
  • No annual dollar amount maximums
  • Flex Advantage Option enables switching to and from a PPO Plan at no extra cost
  • Select a dentist from our network of independent, private dentists
  • Family members are not obligated to choose the same dentist
  • Tooth Whitening – bleaching and gel trays – not covered by many other plans due to their cosmetic nature
  • Cleanings – up to four per calendar year (two with $0 copay, and two more at minimal copay)
  • Fluoride Treatments – two covered each year
  • Access to Starr Wright USA/CIGNA's Healthy Rewards which includes special offers on services to help enhance your health
  • Click here to compare the copays of the two plans

Rates

Coverage Level
Monthly Rate
Quarterly Rate
Employee Only
$43.13
$129.39
Employee & Spouse
$83.03
$249.09
Employee & Child(ren)
$86.63
$259.89
Employee & Full Family
$131.15
$393.45

*Rates include a $2.17 administration fee

FAQs

What are Dental HMO Plans and how do Starr Wright USA's compare to PPO plans offered by OPM?
Our DHMO plans have no deductibles, no annual dollar maximums, no waiting periods, and set copayment amounts. In a DHMO, you select a network dentist who handles your routine dental care. If necessary, your dentist will refer you to a network specialist. After you enroll in our DHMO plan, you get a Patient Charge Schedule (PCS) listing the exact payments (copays) necessary for specific dental care procedures. The PCS is helpful because it lets you know in advance what you will pay for a procedure.

Do I have to select a dentist from a network?
Yes. To be able to take advantage of the cost savings Starr Wright USA's CIGNA Dental Care® (DHMO) Premier Dental Plan provides, you must select a network general dentist and use them for your dental care.

I have a PPO Plan now. Can Starr Wright USA's Premier Dental Plan function like a PPO Plan?
Yes. Our Premier Dental Plan can function like a PPO Plan through its Flex Advantage Option which enables you to switch to a PPO Plan and back seamlessly at no extra cost.

Can my family members use different dentists?
Yes. Each of your covered family members is free to select their own dentist from within our network. For example, your child attending college in another location can select a network dentist near their school.

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.

What if my current dentist is on the network list, but their office is shown as "accepting current patients only?" Can I still choose my current dentist?
If you are an existing patient of a participating network dentist, you may select them to be your primary care dentist.

What if my current dentist is not on the network list?
This means your current dentist does not participate in Starr Wright USA's CIGNA Dental Care® (DHMO) Network. You should select a dentist from the list of participating dentists. Services provided by a non-network dentist without prior approval by CIGNA Dental (except for emergencies) are not covered under the Starr Wright USA CIGNA Dental Care (DHMO) Premier Dental Plan.

Can my dentist be added to the network list?
Participating dentists must meet standards to become part of the Starr Wright USA CIGNA Dental Care (DHMO) Network. If your current dentist meets our credentialing standards and is interested in becoming a participating dentist in our network, they can call 800-244-6224 to get more information on joining our network.

What if I need to see a specialist?
If you require specialty dental care, your network general dentist will refer you to a network specialist.

What if I have a dental emergency and can't get treatment from my network dentist?
If you are away from home or unable to contact your network general dentist, you may receive emergency dental services by any licensed dentist for unexpected but necessary services such as relieving severe pain, controlling excessive bleeding, eliminating serious and sudden ("acute") infection, or preventing an existing dental condition from getting worse.

Limitations

  • There may be a fixed number of times (i.e., a frequency limit) that your plan will cover a specific dental procedure (e.g., cleanings) during a plan year. If you receive a service more often than the plan allows, your costs may be higher.
  • Most specialty care is available with an approved referral from your CIGNA DHMO Primary Care Dentist. No referral is required to visit a CIGNA DHMO network orthodontist or for children under age 7 to visit a CIGNA DHMO network pediatric dentist.
  • Surgical removal of an impacted wisdom tooth is not covered if the tooth is not diseased or if the removal is only for orthodontic reasons.

Exclusions

  • Services not listed on the Premier Plan Patient Charge Schedule; services provided by a non-network dentist without CIGNA Dental Care's prior approval.
  • Services related to an injury or illness covered under workers' comp, occupational disease, or similar laws.
  • Services provided or paid by/through a federal/state governmental agency/authority, political subdivision, or a public program other than Medicaid.
  • Services relating to injuries which are intentionally self-inflicted.
  • Services required while serving in the armed forces of any country or international authority or relating to a declared or undeclared war or acts of war.
  • Cosmetic dentistry/cosmetic dental surgery (performed solely to improve appearance).
  • General anesthesia, sedation, and nitrous oxide (MD - covered when medically necessary and authorized by the covered person's physician).
  • Prescription drugs; procedures, appliances or restorations if the main purpose is to (1) change vertical dimension (degree of separation of the jaw when teeth are in contact) or (2) diagnose or treat abnormal conditions of the temporomandibular joint, except as specifically listed on the Premier Plan Patient Charge Schedule.
  • Completion of crown and bridge, dentures, or root canal treatment already in progress on the date covered person becomes covered by this plan (this exclusion does not apply to Texas residents).
  • Replacement of fixed and/or removable prosthodontic appliances that have been lost, stolen, or damaged due to patient abuse, misuse or neglect.
  • Services associated with the placement or prosthodontic restoration of a dental implant; services considered to be unnecessary or experimental in nature (PA - delete 'unnecessary').
  • Procedures or appliances for minor tooth guidance or to control harmful habits; hospitalization, including any associated incremental charges for dental services performed in a hospital.
  • Services to the extent covered person is compensated for them under any group medical plan, no-fault auto insurance policy, or insured motorist policy (AZ - This exclusion does not apply to Arizona residents. KY and NC - services compensated under no-fault auto or insured motorist policies not excluded. MD - services compensated under group medical plans not excluded). Except as set forth above, pre-existing conditions are not excluded (TX-delete "Except as set forth above").

Note: The information above is provided as a courtesy. Always review your plan documents carefully before receiving dental services. If the treatment you want is not covered by your plan, your costs may be higher.

Additional Information

The Civil Service Employee Benefit Association (CSEBA) and Special Agents Trust for Insurance (SATI) are group policyholders of this insurance program. Both organizations make available voluntary risk management products and services, other voluntary benefits, and educational services to current and former federal employees. Starr Wright USA acts as the program administrator for both CSEBA and SATI.

Apply Online Now

Or download, complete, and return the signed application to the plan administrator at the address listed on the form.

Please Note: 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).

General

You must be a full or part-time federal employee to apply for Starr Wright USA's CIGNA Dental Care® (DHMO) Economy Dental Plan. You can carry your Economy Dental Plan coverage into retirement provided you initially purchased it while you were still an active full/part-time federal employee.

Please Note: The Economy Dental Plan is not currently available in the following states: Alaska, Hawaii, Maine, Montana, New Hampshire, New Mexico, North Dakota, Rhode Island, South Dakota, Vermont, and Wyoming. If you reside in one of these states, you may obtain additional information about and apply for our PPO plan by clicking here.

You must pick a network dentist when you apply. Find a dentist near your home/office by using the CIGNA Provider Directory online. Select "Dentist" under "What Type of Provider are you looking for?", provide at least the additional required information, and click on the "Next" button. Select "CIGNA Dental Care (HMO)", then "DHMO Network" and dentist type in the drop-down boxes. You can also call the automated Dental Office Locator at 800-244-6224 any time. For additional detailed instructions click here. Whether you apply online or via downloaded application, make sure to indicate your choice of dentist when you apply.

Benefit Highlights

  • No deductibles to meet
  • No copayments required for most services
  • No pre-authorization paperwork
  • No claim forms
  • No waiting periods – benefits start as soon as the policy becomes effective
  • No annual dollar amount maximums
  • Select a dentist from our network of independent, private dentists
  • Family members are not obligated to choose the same dentist
  • Tooth Whitening – bleaching and gel trays – not covered by many other plans due to their cosmetic nature
  • Cleanings – up to four per calendar year (two with $0 copay, and two more at minimal copay)
  • Fluoride Treatments – two covered each year
  • Access to Starr Wright USA/CIGNA's Healthy Rewards which includes special offers on services to help enhance your health
  • Click here to compare the copays of the two plans

Rates

Coverage Level
Monthly Rate
Quarterly Rate
Employee Only
$31.31
$93.93
Employee & Spouse
$50.98
$152.94
Employee & Child(ren)
$53.11
$159.33
Employee & Full Family
$77.65
$232.95

*Rates include a $2.17 administration fee

FAQs

What are Dental HMO Plans and how do Starr Wright USA's compare to PPO plans offered by OPM?
Our DHMO plans have no deductibles, no annual dollar maximums, no waiting periods, and set copayment amounts. In a DHMO, you select a network dentist who handles your routine dental care. If necessary, your dentist will refer you to a network specialist. After you enroll in our DHMO plan, you get a Patient Charge Schedule (PCS) listing the exact payments (copays) necessary for specific dental care procedures. The PCS is helpful because it lets you know in advance what you will pay for a procedure.

Do I have to select a dentist from a network?
Yes. To be able to take advantage of the cost savings Starr Wright USA's CIGNA Dental Care® (DHMO) Economy Dental Plan provides, you must select a network general dentist and use them for your dental care.

Can my family members use different dentists?
Yes. Each of your covered family members is free to select their own dentist from within our network. For example, your child attending college in another location can select a network dentist near their school.

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.

What if my current dentist is on the network list, but their office is shown as "accepting current patients only?" Can I still choose my current dentist?
If you are an existing patient of a participating network dentist, you may select them to be your primary care dentist.

What if my current dentist is not on the network list?
This means your current dentist does not participate in Starr Wright USA's CIGNA Dental Care® (DHMO) Network. You should select a dentist from the list of participating dentists. Services provided by a non-network dentist without prior approval by CIGNA Dental (except for emergencies) are not covered under the Starr Wright USA CIGNA Dental Care (DHMO) Economy Dental Plan.

Can my dentist be added to the network list?
Participating dentists must meet standards to become part of the Starr Wright USA CIGNA Dental Care (DHMO) Network. If your current dentist meets our credentialing standards and is interested in becoming a participating dentist in our network, they can call 800-244-6224 to get more information on joining our network.

What if I need to see a specialist?
If you require specialty dental care, your network general dentist will refer you to a network specialist.

What if I have a dental emergency and can't get treatment from my network dentist?
If you are away from home or unable to contact your network general dentist, you may receive emergency dental services by any licensed dentist for unexpected but necessary services such as relieving severe pain, controlling excessive bleeding, eliminating serious and sudden ("acute") infection, or preventing an existing dental condition from getting worse.

Limitations

  • There may be a fixed number of times (i.e., a frequency limit) that your plan will cover a specific dental procedure (e.g., cleanings) during a plan year. If you receive a service more often than the plan allows, your costs may be higher.
  • Most specialty care is available with an approved referral from your CIGNA DHMO Primary Care Dentist. No referral is required to visit a CIGNA DHMO network orthodontist or for children under age 7 to visit a CIGNA DHMO network pediatric dentist.
  • Surgical removal of an impacted wisdom tooth is not covered if the tooth is not diseased or if the removal is only for orthodontic reasons.

Exclusions

  • Services not listed on the Economy Plan Patient Charge Schedule; services provided by a non-network dentist without CIGNA Dental Care's prior approval.
  • Services related to an injury or illness covered under workers' comp, occupational disease, or similar laws.
  • Services provided or paid by/through a federal/state governmental agency/authority, political subdivision, or a public program other than Medicaid.
  • Services relating to injuries which are intentionally self-inflicted.
  • Services required while serving in the armed forces of any country or international authority or relating to a declared or undeclared war or acts of war.
  • Cosmetic dentistry/cosmetic dental surgery (performed solely to improve appearance).
  • General anesthesia, sedation, and nitrous oxide (MD - covered when medically necessary and authorized by the covered person's physician.)
  • Prescription drugs; procedures, appliances or restorations if the main purpose is to (1) change vertical dimension (degree of separation of the jaw when teeth are in contact) or (2) diagnose or treat abnormal conditions of the temporomandibular joint, except as specifically listed on the Economy Plan Patient Charge Schedule.
  • Completion of crown and bridge, dentures, or root canal treatment already in progress on the date covered person becomes covered by this plan (this exclusion does not apply to Texas residents).
  • Replacement of fixed and/or removable prosthodontic appliances that have been lost, stolen, or damaged due to patient abuse, misuse or neglect.
  • Services associated with the placement or prosthodontic restoration of a dental implant; services considered to be unnecessary or experimental in nature (PA - delete 'unnecessary').
  • Procedures or appliances for minor tooth guidance or to control harmful habits; hospitalization, including any associated incremental charges for dental services performed in a hospital.
  • Services to the extent covered person is compensated for them under any group medical plan, no-fault auto insurance policy, or insured motorist policy (AZ - This exclusion does not apply to Arizona residents. KY and NC - services compensated under no-fault auto or insured motorist policies not excluded. MD - services compensated under group medical plans not excluded). Except as set forth above, pre-existing conditions are not excluded (TX - delete "Except as set forth above").

Note: The information above is provided as a courtesy. Always review your plan documents carefully before receiving dental services. If the treatment you want is not covered by your plan, your costs may be higher.

Additional Information

The Civil Service Employee Benefit Association (CSEBA) and Special Agents Trust for Insurance (SATI) are group policyholders of this insurance program. Both organizations make available voluntary risk management products and services, other voluntary benefits, and educational services to current and former federal employees. Starr Wright USA acts as the program administrator for both CSEBA and SATI.

Apply Online Now

Or download, complete, and return the signed application to the plan administrator at the address listed on the form.

Please Note: 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 apply, please download, complete, and return the signed application to the plan administrator at the address listed on the form.

Apply for PPO Plan
Please Note: 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).

About Our Dental 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.

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

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.

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.

To apply, please download, complete, and return the signed application to the plan administrator at the address listed on the form.

Apply for PPO Plan
Please Note: 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).