The University currently offers non-union employees the alternative of electing to enroll in two levels of coverage under a Preferred Provider Organization, PPO (Cigna PPO) plan, one Health Maintenance Organization HMO (Cigna DHMO) plan or electing no coverage at all. The Employee pays the full premium for Dental Insurance. The amount of the premium depends upon the plan option selected by the employee. Booklets and other related materials explaining the plans are available in the Office of Human Resources. Each year, Annual Enrollment is provided in November during which time employees may elect to change plans with the change being effective on the subsequent January 1.