Great oral health is an integral piece of overall well-being. When you choose the best dental plan for your needs, you take an important step to improve your health. AFSPA’s dental plans are custom designed to meet members’ needs because we are committed to Caring for Your Health Worldwide.

AFSPA offers four dental plans. Coverage options are available for Self, Self Plus One, and Family. As an AFSPA member, you can enroll in any of these plans at any time - no need to wait for an open enrollment season. Once your enrollment is in effect, there is no waiting period before you can see a general or family dentist.

  • Dominion National  (formerly DentaQuest), an ePPO plan for members residing in the Washington, DC metropolitan area.
  • CIGNA HMO, a managed care plan for members residing in most U.S. states.
  • CIGNA PPO, a fee-for-service plan for members residing anywhere in the contiguous U.S.
  • CIGNA International, a truly international fee-for-service plan available for members residing anywhere in the world. 

Dependents are covered up to age 26, regardless of financial dependency, residency, student status, or marital status.

Orthodontia benefits vary depending on the plan.

Click through the tabs above to learn more about the benefits, costs, and requirements of each plan so you can make an informed choice for you and your dependents. Enrollment forms for each plan, as well as full details of limitations and exclusions, are available in PDF form at the bottom of this page.

The information shared here is not the insurance contract. The information in the tabs provides a general overview of the important provisions of the master policies. Policy provisions for the pertinent plan will prevail if there is a conflict between the policy and the website.


As of January 1, 2016, DentaQuest Mid-Atlantic was acquired by Dominion National Dental . Enrollees in Dentaquest keep the same coverage and providers, and new ID cards have been distributed.  Give us a call if you have any questions. 

Our Dominion National plan is an ePPO plan that works best for members living in the Washington, DC metropolitan area. As an ePPO plan, enrollees are required to choose one dentist in the network and use them exclusively for services. Here’s what you need to know:

  • This ePPO plan requires you to choose an in-network dentist and use that dentist exclusively for all your dental needs. Click here to find a dentist.
  • Once your annual deductible has been met, all out-of-pocket expenses are easily predictable based on the fee schedule. However, there are no out-of-network benefits.
  • Each person covered on your plan can choose their own dentist from Dominion’s provider list.
  • As an ePPO plan, there are no claim forms.
  • This plan includes Maximum Rollover, so that if you do not meet your maximum dental benefit limit during the year, your unused spending will increase your maximum benefit limit the next year, and beyond.
  • Check out the plan brochurefee schedule, and the optional orthodontia benefit brochure before you make your decision.

Dominion National Dental Premiums*

   Monthly  Quarterly  Annually
 Self  $  30.00  $   90.00  $ 360.00
 Self Plus One  $  50.25  $ 150.75  $ 603.00
 Family  $  68.50  $ 205.50  $ 822.00

*Dental premiums must be paid on a quarterly or annual basis directly to AFSPA. We do not make deductions from your bi-weekly payroll or monthly annuity check.

To enroll:

No need to wait for an open enrollment period!  You can enroll at any time. 

Both current and new AFSPA members simply complete and return the Dominion Enrollment Change Form PDF at the bottom of this page.  For quicker service, please upload the completed form via our secure Dental form. Or, follow the instructions on the form to submit via mail.  Not sure if you’re eligible for membership? Check.

Already a Dominion Dental member? Use the Enrollment Change Form PDF  and secure Dental form below to make changes to your enrollment.


The CIGNA HMO plan is designed only for those residing in the U.S. As an HMO plan, this plan requires you to see a dentist from CIGNA’s provider list. In other words, there are no out-of-network benefits.  The plan has no deductible, claim forms, limitations, or calendar year maximums. All out-of- pocket expenses are easily predictable based on the fee schedule. CIGNA Dental HMO K1-09 Patient Charge Schedule .

With a network of over 93,000 dentists in 35 states, you’re sure to find the right dentist for you. Your general dentist will refer you to other in-network providers should you need specialized care. Every member of your family can choose their own dentist. Find a Dentist.

Read the plan brochure before you make your decision.

This plan does not provide coverage in the following locations:

 Alaska  Montana  Rhode Island
 Hawaii  New Hampshire  South Dakota
 Idaho  New Mexico  Vermont
 Maine  North Dakota  West Virginia
 Minnesota  Puerto Rico  Wyoming

CIGNA Dental HMO Premiums*

   Monthly  Quarterly  Annually
 Self  $ 33.00  $   99.00  $ 396.00
 Self Plus One  $ 50.00  $ 150.00  $ 600.00
 Family  $ 80.00  $ 240.00  $ 960.00

*Dental premiums must be paid on a quarterly or annual basis directly to AFSPA. We do not make deductions from your bi-weekly payroll or monthly annuity check.

To enroll:

No need to wait for an open enrollment period! You can enroll at any time. 

Both current and new AFSPA members simply complete and return the Cigna HMO/ PPO Enrollment Change PDF form at the bottom of this page.  For quicker service, please upload the completed form via our secure Dental form. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership? Check.

Already enrolled in the CIGNA HMO Dental plan? You can check your claim status here, or make changes to your current enrollment using the Cigna HMO/PPO Enrolment Change PDF form below and submitting via our secure Dental form.


The CIGNA PPO plan is the only plan offered by AFSPA that offers out-of-network benefits as well as in-network benefits. Your coinsurance will be the same whether you use an in-network or out-of-network dentist.

Choosing within the network of 146,000 dentists across 48 states will lower your out-of-pocket expenses. It is important to check that your in-network provider is covered at the location where you are seen; otherwise, the dentist is allowed to bill you for the difference between the in-network rate and the dentist’s usual fees. Find a dentist.

As with any PPO plan, you are not required to choose a single primary dentist.

The orthodontia benefit requires a 12-month waiting period for dependents up to age 19. 

Check out the plan brochure and coverage summary before you make your decision.

CIGNA Dental PPO Premiums*

   Monthly  Quarterly  Annually
 Self  $ 55.50  $ 166.50  $ 666.00
 Self Plus One  $ 94.00  $ 282.00  $1,128.00
 Family  $ 138.50  $ 415.50  $1,662.00

*Dental premiums must be paid on a quarterly or annual basis directly to AFSPA. We do not make deductions from your bi-weekly payroll or monthly annuity check.

To enroll:

No need to wait for an open enrollment period!  You can enroll at any time. 

Both current and new AFSPA members simply complete and return the Cigna HMO/PPO Enrollment Change PDF form at the bottom of this page.  For quicker service, please upload the completed form via our secure Dental form. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership? Check.

Already enrolled in the CIGNA PPO Dental plan? You can check your claim status here, or make changes to your enrollment using the Cigna HMO/PPO Enrollment PDF form below and submitting via our secure Dental form.


AFSPA offers a truly international dental insurance plan, underwritten by CIGNA. 

This exclusive plan offers worldwide coverage: all services received overseas are considered “in-network.” Coinsurance rates apply whether you receive services overseas or in the U.S. If you choose this plan and receive services within the U.S., you will have deductibles as well as increased coinsurance payments. A full list of the deductibles and coinsurance rates is available in the coverage summary which outlines what is covered both in the States and abroad. 

This plan is intended for our members who live continuously outside of the U.S. because claims are not subject to an overseas fee schedule.

The plan offers a network of over 100,000 providers in 160 countries, or, you may choose your own local provider. A fully staffed multilingual CIGNA Customer Service Center is open 24 hours a day, 365 days a year, and the plan provides reimbursements in most currencies, including transferring funds directly into your U.S. bank account.

Check out the plan brochure and the coverage summary before you make your decision.

CIGNA International Premiums*

   Monthly  Quarterly  Annually
 Self  $   61.50  $ 184.50  $   738.00
 Self Plus One  $   96.50  $ 289.50  $1,158.00
 Family  $ 154.00  $ 462.00  $1,848.00

*Dental premiums must be paid on a quarterly or annual basis directly to AFSPA. We do not make deductions from your bi-weekly payroll or monthly annuity check.

To enroll:

No need to wait for an open enrollment period! You can enroll at any time. 

Both current and new AFSPA members simply complete and return the Cigna International Enrollment Change PDF form at the bottom of this page.  For quicker service, please upload the completed form via our secure Dental form. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership? Check.

* Enrollment form requires a foreign address including APO and pouch addresses.

 

Already a CIGNA International member? Find a dentist, access a claim form to print, file a claim online, or make changes to your enrollment using the Cigna International Enrollment Change PDF form below and submitting via our secure Dental form.

Overview

Great oral health is an integral piece of overall well-being. When you choose the best dental plan for your needs, you take an important step to improve your health. AFSPA’s dental plans are custom designed to meet members’ needs because we are committed to Caring for Your Health Worldwide.

AFSPA offers four dental plans. Coverage options are available for Self, Self Plus One, and Family. As an AFSPA member, you can enroll in any of these plans at any time - no need to wait for an open enrollment season. Once your enrollment is in effect, there is no waiting period before you can see a general or family dentist.

  • Dominion National  (formerly DentaQuest), an ePPO plan for members residing in the Washington, DC metropolitan area.
  • CIGNA HMO, a managed care plan for members residing in most U.S. states.
  • CIGNA PPO, a fee-for-service plan for members residing anywhere in the contiguous U.S.
  • CIGNA International, a truly international fee-for-service plan available for members residing anywhere in the world. 

Dependents are covered up to age 26, regardless of financial dependency, residency, student status, or marital status.

Orthodontia benefits vary depending on the plan.

Click through the tabs above to learn more about the benefits, costs, and requirements of each plan so you can make an informed choice for you and your dependents. Enrollment forms for each plan, as well as full details of limitations and exclusions, are available in PDF form at the bottom of this page.

The information shared here is not the insurance contract. The information in the tabs provides a general overview of the important provisions of the master policies. Policy provisions for the pertinent plan will prevail if there is a conflict between the policy and the website.

Dominion National

As of January 1, 2016, DentaQuest Mid-Atlantic was acquired by Dominion National Dental . Enrollees in Dentaquest keep the same coverage and providers, and new ID cards have been distributed.  Give us a call if you have any questions. 

Our Dominion National plan is an ePPO plan that works best for members living in the Washington, DC metropolitan area. As an ePPO plan, enrollees are required to choose one dentist in the network and use them exclusively for services. Here’s what you need to know:

  • This ePPO plan requires you to choose an in-network dentist and use that dentist exclusively for all your dental needs. Click here to find a dentist.
  • Once your annual deductible has been met, all out-of-pocket expenses are easily predictable based on the fee schedule. However, there are no out-of-network benefits.
  • Each person covered on your plan can choose their own dentist from Dominion’s provider list.
  • As an ePPO plan, there are no claim forms.
  • This plan includes Maximum Rollover, so that if you do not meet your maximum dental benefit limit during the year, your unused spending will increase your maximum benefit limit the next year, and beyond.
  • Check out the plan brochurefee schedule, and the optional orthodontia benefit brochure before you make your decision.

Dominion National Dental Premiums*

   Monthly  Quarterly  Annually
 Self  $  30.00  $   90.00  $ 360.00
 Self Plus One  $  50.25  $ 150.75  $ 603.00
 Family  $  68.50  $ 205.50  $ 822.00

*Dental premiums must be paid on a quarterly or annual basis directly to AFSPA. We do not make deductions from your bi-weekly payroll or monthly annuity check.

To enroll:

No need to wait for an open enrollment period!  You can enroll at any time. 

Both current and new AFSPA members simply complete and return the Dominion Enrollment Change Form PDF at the bottom of this page.  For quicker service, please upload the completed form via our secure Dental form. Or, follow the instructions on the form to submit via mail.  Not sure if you’re eligible for membership? Check.

Already a Dominion Dental member? Use the Enrollment Change Form PDF  and secure Dental form below to make changes to your enrollment.

CIGNA HMO

The CIGNA HMO plan is designed only for those residing in the U.S. As an HMO plan, this plan requires you to see a dentist from CIGNA’s provider list. In other words, there are no out-of-network benefits.  The plan has no deductible, claim forms, limitations, or calendar year maximums. All out-of- pocket expenses are easily predictable based on the fee schedule. CIGNA Dental HMO K1-09 Patient Charge Schedule .

With a network of over 93,000 dentists in 35 states, you’re sure to find the right dentist for you. Your general dentist will refer you to other in-network providers should you need specialized care. Every member of your family can choose their own dentist. Find a Dentist.

Read the plan brochure before you make your decision.

This plan does not provide coverage in the following locations:

 Alaska  Montana  Rhode Island
 Hawaii  New Hampshire  South Dakota
 Idaho  New Mexico  Vermont
 Maine  North Dakota  West Virginia
 Minnesota  Puerto Rico  Wyoming

CIGNA Dental HMO Premiums*

   Monthly  Quarterly  Annually
 Self  $ 33.00  $   99.00  $ 396.00
 Self Plus One  $ 50.00  $ 150.00  $ 600.00
 Family  $ 80.00  $ 240.00  $ 960.00

*Dental premiums must be paid on a quarterly or annual basis directly to AFSPA. We do not make deductions from your bi-weekly payroll or monthly annuity check.

To enroll:

No need to wait for an open enrollment period! You can enroll at any time. 

Both current and new AFSPA members simply complete and return the Cigna HMO/ PPO Enrollment Change PDF form at the bottom of this page.  For quicker service, please upload the completed form via our secure Dental form. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership? Check.

Already enrolled in the CIGNA HMO Dental plan? You can check your claim status here, or make changes to your current enrollment using the Cigna HMO/PPO Enrolment Change PDF form below and submitting via our secure Dental form.

CIGNA PPO

The CIGNA PPO plan is the only plan offered by AFSPA that offers out-of-network benefits as well as in-network benefits. Your coinsurance will be the same whether you use an in-network or out-of-network dentist.

Choosing within the network of 146,000 dentists across 48 states will lower your out-of-pocket expenses. It is important to check that your in-network provider is covered at the location where you are seen; otherwise, the dentist is allowed to bill you for the difference between the in-network rate and the dentist’s usual fees. Find a dentist.

As with any PPO plan, you are not required to choose a single primary dentist.

The orthodontia benefit requires a 12-month waiting period for dependents up to age 19. 

Check out the plan brochure and coverage summary before you make your decision.

CIGNA Dental PPO Premiums*

   Monthly  Quarterly  Annually
 Self  $ 55.50  $ 166.50  $ 666.00
 Self Plus One  $ 94.00  $ 282.00  $1,128.00
 Family  $ 138.50  $ 415.50  $1,662.00

*Dental premiums must be paid on a quarterly or annual basis directly to AFSPA. We do not make deductions from your bi-weekly payroll or monthly annuity check.

To enroll:

No need to wait for an open enrollment period!  You can enroll at any time. 

Both current and new AFSPA members simply complete and return the Cigna HMO/PPO Enrollment Change PDF form at the bottom of this page.  For quicker service, please upload the completed form via our secure Dental form. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership? Check.

Already enrolled in the CIGNA PPO Dental plan? You can check your claim status here, or make changes to your enrollment using the Cigna HMO/PPO Enrollment PDF form below and submitting via our secure Dental form.

CIGNA International

AFSPA offers a truly international dental insurance plan, underwritten by CIGNA. 

This exclusive plan offers worldwide coverage: all services received overseas are considered “in-network.” Coinsurance rates apply whether you receive services overseas or in the U.S. If you choose this plan and receive services within the U.S., you will have deductibles as well as increased coinsurance payments. A full list of the deductibles and coinsurance rates is available in the coverage summary which outlines what is covered both in the States and abroad. 

This plan is intended for our members who live continuously outside of the U.S. because claims are not subject to an overseas fee schedule.

The plan offers a network of over 100,000 providers in 160 countries, or, you may choose your own local provider. A fully staffed multilingual CIGNA Customer Service Center is open 24 hours a day, 365 days a year, and the plan provides reimbursements in most currencies, including transferring funds directly into your U.S. bank account.

Check out the plan brochure and the coverage summary before you make your decision.

CIGNA International Premiums*

   Monthly  Quarterly  Annually
 Self  $   61.50  $ 184.50  $   738.00
 Self Plus One  $   96.50  $ 289.50  $1,158.00
 Family  $ 154.00  $ 462.00  $1,848.00

*Dental premiums must be paid on a quarterly or annual basis directly to AFSPA. We do not make deductions from your bi-weekly payroll or monthly annuity check.

To enroll:

No need to wait for an open enrollment period! You can enroll at any time. 

Both current and new AFSPA members simply complete and return the Cigna International Enrollment Change PDF form at the bottom of this page.  For quicker service, please upload the completed form via our secure Dental form. Or, follow the instructions on the form to submit via mail. Not sure if you’re eligible for membership? Check.

* Enrollment form requires a foreign address including APO and pouch addresses.

 

Already a CIGNA International member? Find a dentist, access a claim form to print, file a claim online, or make changes to your enrollment using the Cigna International Enrollment Change PDF form below and submitting via our secure Dental form.

FAQs (10)

Can I enroll in dental insurance at any time or can I only enroll during Open Enrollment?

AFSPA does not have a designated Open Enrollment period. You may enroll at anytime; however, you must enroll by the 15th of the month for coverage to be effective on the first (1st) day of the following month.

How do I enroll in a dental plan?

All dental enrollment forms are located at the bottom of this page. Download the enrollment form for your chosen dental plan. Once filled in, you need to sign and date the form and upload it via the secure Dental form. You can also fax the form to (202) 775-9082 or mail to the address on the form. 

If you’d prefer to have us mail you the enrollment form, please call us at (202) 833-4910 to request a form be mailed.

Can I enroll directly online through the AFSPA web site?

Currently, enrolling online is unavailable; however, you may go online to access and print the required enrollment form.

Will the monthly premium be deducted from my payroll or annuity check?

We do not make deductions from your bi-weekly payroll or monthly annuity check. At the time of enrollment, you will have the option of choosing a quarterly (every 3 months) or annual (once a year) billing period. We offer a Direct Debit payment option that enables AFSPA to electronically debit your premium from a designated bank account. Credit card payments are not available.

Can I cancel the policy at anytime and is there a penalty?

Yes, you can cancel your dental policy at any time. While there is no monetary penalty, you will be unable to re-enroll in another plan for one year. The same one-year policy applies if you are terminated from a dental plan for non-payment.

All cancellation requests must be made in writing, by letter, by email, or directly on your dental invoice.

You are eligible to enroll in a different dental plan administered by AFSPA if you are transferred overseas or leave your current location, and your new location is not served by your current plan.

You can also switch from one plan to another at any time if a different plan should better serve your needs. Call our office today if you would like to switch.

What is the difference between a HMO, PPO and ePPO dental plan?

An HMO plan and an ePPO plan both require that treatment be rendered by a dentist that is in-network for that specific plan. Services received by an out-of-network dentist are not covered. A PPO dental plan allows enrollees the option of seeing a dentist who is either in-network or out-of-network. Your out-of-pocket expenses are higher when you use a PPO dental provider that is outside of the network.

What are the advantages of an HMO, a PPO, and an ePPO dental plan?

The advantages of an HMO Plan are:

  • Lower monthly premium.
  • No deductible.
  • No annual benefit maximum.
  • Reduced fees.

The advantages of a PPO Plan are:

  • Freedom of choice of dentist.
  • Reimburses both in-network and out-of-network.
  • Not limited to a specific geographic area.
  • Able to use the plan during travel.

The advantages of an ePPO Plan are:

  • No claim forms.
  • Each family member can have a different dentist.
  • Predictable out-of-pocket costs based on a fee schedule.
  • Like an HMO, you must use a dentist in the network for services to be covered.
Do any of the dental plans cover dental services overseas or outside of the United States?

AFSPA offers a dental plan designed specifically for the needs of members living outside of the U.S. Cigna International is an indemnity plan that allows coverage for any licensed dentist both overseas and stateside.  Some highlights are:

  • Multi-lingual Customer Service 24 hours/day, 365 days a year.
  • Language assistance with over 140 languages.
  • Referrals to qualified/screened dentists worldwide.
  • Direct payment to providers in foreign currencies.
  • Direct Deposit into your U.S. or overseas bank account.
  • Claims processed in 10 business days.
Are implants and/or cosmetic dentistry covered?

Coverage for implants and cosmetic surgery may or may not be covered under your particular plan. Before scheduling these services, please confirm coverage with your dental carrier. Pre-approval may be required even when the particular service is a covered service.

What do I need to know about direct debit enrollments, changes, and cancellations?

Due to security and concerns for protecting your privacy, ALL Direct Debit enrollments/changes will be handled through the AFSPA Member Portal.

Three e-mails will be generated: (1) an e-mail containing a secure PDF of your signed enrollment for your records; (2) an acceptance e-mail from the AFSPA Accounting Team that your Direct Debit has been processed and accepted; and (3) an e-mail when the first debit has occurred from your bank account.

All changes made online to your Direct Debit will be confirmed via e-mail.

You can also use the edit button to change bank information quickly and immediately.

To cancel direct debit, send a request via email or our secure forms page and indicate the date on which direct debiting should be cancelled. 

 

 

FORMS & BROCHURES (15)

Form

Description

Action

Dental Plan Question
Contact AFSPA about the Dental Plans
Dominion National Access ePPO Enrollment Form
Dominion National Access ePPO Enrollment Form
CIGNA Dental PPO & HMO Enrollment or Change Form
CIGNA Dental PPO & HMO Enrollment or Change Form
CIGNA International
CIGNA International Enrollment or Change Form
Non FSBP Direct Debit Request
Non FSBP Direct Debit Request for use with Life AD&D, Dental, Disability and Long Term Care Plans
DentaQuest/Dominion National Roll Over Benefit
DentaQuest/Dominion National Roll Over Benefit
Cigna International Claim Form
Fillable Cigna International Claim Form
Cigna PPO Fillable Claim Form
Cigna PPO Fillable Claim Form
CIGNA HMO K1-09 Pt. Charge Schedule
CIGNA HMO K1-09 Pt. Charge Schedule
Cigna PPO Certificate Booklet
Cigna PPO Certificate Booklet
Cigna PPO Certificate Booklet - TX
Cigna PPO Certificate Booklet - Texas
Cigna Dental International Certificate
Cigna Dental International Certificate
Cigna Dental International Certificate Amendment
Cigna Dental International Certificate Amendment
Dominion National Plan Brochure
Dominion National Plan Brochure
CIGNA HMO/PPO Plan Brochure
CIGNA HMO/PPO Plan Brochure