Garnett-Powers & Associates
Garnett-Powers & Associates
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Northwestern University Student Dental Plan

Cigna Dental Plans for Academic Year 2013/2014

Garnett-Powers & Associates is pleased to offer the Northwestern University Student Dental Plan. As an undergraduate or graduate student at Northwestern University, you may choose to enroll in the Voluntary Dental HMO (DHMO) or the Voluntary Dental PPO, both offered through Cigna, an internationally recognized medical, life and dental plan provider. The dental plans offer a breadth of coverage. You do not need to be a participant in the Aetna Medical Student Plan to participate in this dental plan.

Enrollment Availability

The open enrollment period for this student dental program is July 28th – August 11th, 2014. This period allows new students to enroll for the first time if they have not previously enrolled. If you are a new student and you do not enroll during this time, you will not be eligible for the program until next year’s open enrollment for the new academic year of 2015/2015, unless you have a qualifying life event, such as marriage, birth or adoption of a child, loss of other coverage or divorce. To enroll, please check back during open enrollment.

The Voluntary Cigna Dental DHMO Plan

The Cigna DHMO offers comprehensive dental coverage with no annual deductible or annual dollar maximums. Consultations,* office visits,* oral evaluations,* cleanings*(also known as 'prophylaxis') and x-rays*are covered at no-charge. If you enroll in the DHMO, you will need to choose a Primary Care Dentist. For more detailed information on this plan, please click on Voluntary DHMO Plan and Rates.

The Voluntary Cigna Dental PPO Plan

This plan offers you the option of seeking services from an in-network or out-of-network dentist. It is important to understand that the Dental PPO Plan is not as comprehensive as the DHMO plan in that there are limits to the dollar amount of services provided on an annual basis: $1,000 in-network and $500 out-of-network. The plan does provide 100% coverage with no co-pays for in-network diagnostic and preventive services such as oral exams, cleanings and routine X-rays, however the deductible does apply to both in-network and out-of-network services. Co-insurance levels can change between in and out-of-network services. Please click on the PPO Patient Charge Schedule to view a summary of benefits and services offered by this plan.

Unlike the DHMO Plan, it is not necessary to choose a Primary Care Dentist during enrollment. You choose your preferred provider when you need to seek service. This plan offers you the flexibility of seeing a dentist either in-network by choosing a dentist in the provider directory, or you may see a dentist of your choice out-of-network. Choosing a dentist within the Cigna provider directory will allow you to pay lower costs than if you seek services from a dentist not listed in the directory. Please click on Voluntary PPO Plan and Rates for more detailed information.

Enrolling and Paying for the Dental Plans

In order to facilitate an efficient and timely enrollment process, the Enrollment Form for this program must be completed online. Please first print the Enrollment Form/Payment Instructions found under the Enrollment link before completing the Enrollment Form. These instructions provide step-by-step information to assist you in completing the form and submitting your timely payment. If the Enrollment Form is not completed properly, it could affect your enrollment in the plans and delay your access to service.

Your coverage will begin on the date of the month that you enroll and continue to August 31st, 2014. You may elect to pay by debit/credit card or check for the amount of time from your starting month to and including August. If you continue to be an undergraduate or graduate student at Northwestern University for the next academic year, you may continue your coverage by paying the invoice you will receive electronically in August of 2014 for the next academic year. Non-payment of that invoice will indicate your termination of coverage.

Please click on Enrollment when you are ready to begin the enrollment process.

* There are frequency limitations regarding diagnostic and preventive services that may be accessed during any 12 consecutive month period. Please consult the Patient Charge Schedule for further details.

Garnett-Powers & Associates, Inc. is pleased to offer an NUSDP Customer Service Representative, dedicated to this program. Please address benefit and enrollment questions to:

Garnett-Powers & Associates, Inc.
23361 Madero, Suite 240
Mission Viejo, CA 92691
Or call us Monday - Friday, 8 am - 5 pm Pacific Time
1-800-319-9557
Contact Northwestern University Student Dental Services
NUSDP@Garnett-Powers.com

We thank you for the opportunity to be of service to you and your family.

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Garnett-Powers & Associates, Inc.
23361 Madero, Suite 240, Mission Viejo, CA 92691
(949) 583-2925 - FAX (949) 583-2929 - Toll Free (800) 319-9557
CA license 0G11917