IU Dental Plan

Full-time (75% FTE or greater) appointed academic and staff employees are eligible to enroll in the IU Dental Plan.

Members can receive dental care from any licensed dentist. However, you will receive a higher level of benefits when you visit a Total CIGNA PPO Network dentist. For a directory of providers, visit the Cigna website and click the Find a Doctor, Dentist, or Facility button.

Plan Basics

Coverage Summary

If you use a Total CIGNA PPO Network dentist:

  • Two routine cleanings/exams per year covered at 100%
  • Annual $25 deductible (not applied to preventive care)
  • Other services covered at 50% up to the annual benefit limit

Annual Benefit Limit

With Cigna Dental WellnessPlus, your preventive care earns you higher coverage for the next year. Each covered member starts with an annual benefit limit of $1,200. When you and your covered family members each receive at least one preventive cleaning or exam per calendar year, your annual benefit limit increases by $100 the following year. This increase can continue yearly, allowing you to reach a maximum limit of $1,500 per member.

Additionally, for families with children needing orthodontic care, the IU Dental Plan covers child orthodontia up to a $1,000 lifetime limit per child.

Plan Features

Cigna Virtual Dental Care
Meet with a licensed dentist over video through Cigna’s Virtual Dental Care service to address urgent dental concerns such as pain, infection, swelling, and more. Visits cost just $45, which is less than the average claim costs for a routine consult with an in-network dentist.

Cigna Dental Oral Health Integration Program
The Cigna Dental Oral Health Integration program reimburses you for certain out-of-pocket dental costs used to treat gum disease and tooth decay. The program is for people with certain medical conditions that have been found to be associated with gum disease, such as heart disease, diabetes, maternity, and chronic kidney disease. There’s no additional cost for the program, and enrollment is voluntary.

MyCigna Account
Register online at MyCigna.com or download the MyCigna App to find an in-network dentist, review your coverage, estimate your dental care costs, and view your ID card.

Monthly Premiums

Your monthly premium is determined by your level of coverage and base salary at the time each payroll is run. Contributions are deducted before tax.

2024 Premiums

Monthly Employee Contribution
$38,100 -
and Above
Employee $8.88 $11.14 $13.24
Employee/Child(ren) $16.00 $20.09 $23.81
Employee/Spouse $20.87 $26.22 $31.06
Family $30.42 $38.22 $45.30
  • Faculty appointed as 10-month Academic employees who do not receive pay in the summer, will have dental plan premiums caught up when they return in August.
  • For dually employed IU and IU Health physicians: Annual base salary includes both the IU base salary and IU Health compensation, as determined by the School of Medicine.

Frequently Asked Questions

Below are answers to the most frequently asked questions regarding the Dental Care Plan.  

Can I enroll in the IU Dental Care Plan without being enrolled in one of IU's medical plans?

Yes, eligible employees may elect dental coverage with or without electing medical coverage. This also means that eligible dependents who are not enrolled in medical coverage may be enrolled in dental coverage as long as the employee is enrolled.

Where can I find my ID Card?

Dental ID cards are not mailed. You can print and use this temporary ID card or register at MyCigna and print a customized card.

How do I find an in-network dentist?

Locate and select a dental services provider online by following these instructions:

  1. Visit https://www.cigna.com.
  2. Click on the blue Find a Doctor button near the top of the screen.  
  3. Under “How are you covered” select Employer or School.
  4. Enter your address, city, or state into the search bar then select one of the following search parameters:
    1. Click Doctor by Type (e.g. General Dentist)
    2. Doctor by Name (search by name)
    3. Location (search by facility name or type)
  5. Choose to login or register for a MyCigna account OR select Continue as Guest.
  6. Choose the Total Cigna DPPO plan from the list.

How do I add new family members to my plan?

You may make changes to your plan within 30-days of an IRS-qualified Life Event (after 30-days you'll need to wait until Open Enrollment). To submit your Life Event change, log in to the Employee Center through One.IU, select the Benefit Details tile, then the Life Events tile.

For each eligible dependent you add, you will need to provide:

  • Full name 
  • Date of birth 
  • Social Security Number

If you are adding a family member that has never been covered under your benefits, you will also need to submit the proper documentation to verify their relationship to you (e.g. marriage or birth certificate).

Customer Service

Member Services: 800-244-6224

IU Human Resources
Phone: 812-856-1234