What is the Cigna Dental Care® ( DHMO ) Plan ? The Cigna Dental Care ( DHMO )1 plan requires you to select a general dentist for routine, preventive, diagnostic and emergency care. They will refer you to specialists as needed.
At a high level, DHMO plans are designed to help keep your dental costs lower. They work best for people who are cost-conscious and are willing to find a primary dentist and see dentists from within the network only. DPPO plans offer more flexibility when it comes to seeing providers, which comes with higher costs.
A DHMO plan is short for a Dental Health Maintenance Organization plan. This plan works similarly to an HMO health insurance plan. Participants of a DHMO plan can see a dentist within the DHMO network to receive discounted health coverage, from preventive visits to restorative care.
Generally speaking, DHMO plans are more cost effective, while PPO dental plans offer greater flexibility. There’s no way of saying that one plan is better than the other – it just comes down to which will meet your unique needs.
Cigna Dental Care® ( DHMO ) Covers treatment8 such as: Surgical implants . Crowns and bridges over implants .
Cigna Dental Care DHMO plans include coverage for dental implants , crowns, and even teeth whitening, and you can save with copayments, coinsurance, and discounts. Cigna Plus Savings is a dental discount plan that lets participants save money on all dental procedures with participating providers.
Since HMO typically costs less – and subsequently dentist work at lower rates – many highly trusted dentists won’t accept HMO coverages(in many cases this is because their bank loan prohibits it) and you will be assigned to a dentist in which you have no control over.
choose your plan, select “DPPO/EPO > Total Cigna DPPO.” For help locating a Cigna network dentist or specialist, call Cigna to use the automated Dental Office Locator or speak to a customer service advocate. You can also ask for a customized directory based on the type of dentist you are looking for in your area.
Best Overall: Cigna You can purchase a plan that includes coverage for restorative care and orthodontic care. All Cigna dental insurance covers preventative care with no deductibles or copayments. Broad network of over 93,000 dentists available nationwide.
NerdWallet estimates that national average costs for root canals are $762 for a front tooth, $879 for a premolar and $1,111 for a molar. The region of the country in which you live can also determine the cost. If you live closer to the coast, expect a price higher than the national average, says NerdWallet.
The biggest advantage that PPO plans offer over HMO plans is flexibility. PPOs offer participants much more choice for choosing when and where they seek health care. The most significant disadvantage for a PPO plan, compared to an HMO , is the price. PPO plans generally come with a higher monthly premium than HMOs .
Q: How does the DHMO plan work ? A: When you sign up in the DHMO plan, you select a network general dentist, who will handle your dental care needs. You then receive a Patient Charge Schedule, or “PCS,” that lists the specific dental procedures covered by the plan and the amount you would pay the dentist (your copays).
Six tips for choosing the best dental plan for your family Consider the needs of each family member. Find out what plans are available in your area. Look for a plan that has several dentists and dental practices. Consider all of the costs. Learn which treatments are covered in each plan .
Delta Dental offers both group plans and individual plans. Plans may have an annual maximum and deductible . Plan members get the most plan savings by visiting a PPO dentist. DeltaCare® USA is our HMO-type plan in which members choose a skilled primary care dentist from the plan network to visit for care.
Delta Dental PPO is our preferred-provider option program. With Delta Dental PPO you have access to a network of dentists who accept reduced fees for covered services, giving you the lowest out-of-pocket costs. Delta Dental Premier is our original fee-for-service plan that offers the largest network of dentists.