Benefits covered by your Dental Plan include Preventive & Diagnostic Care such as Oral Exams, Cleanings and X-Rays. Your Plan also includes Basic Restorative Care such as fillings and simple extractions. Major Restorative Care is covered under your plan and includes Crowns, Dentures and Bridges.
Go to myCigna.com – the easiest way! Once you’re enrolled, you can search for a network dentist by name, specialty or location on www.myCigna.com (registration required). MyCigna automatically knows which Cigna dental plan and network you belong to.
Best Overall: Cigna Cigna is a global health service company with high marks for financial strength, including an A rating from both AM Best and Standard & Poor’s. 2 Their dental plans work within a nationwide network of over 93,000 dentists , and they offer phone support from 8am to 8pm every day of the year.
The best way is to ask your dentist . You can also check the provider directory for each plan at www.opm.gov/healthcare- insurance / dental -vision/plan-information/. However, the plan’s directory may not have the most recent updates, so you should always verify participation with your dentist .
Deductibles and Maximums
|Benefit||DPPO Advantage Network|
|Family Calendar Year Deductible||$150 per family (waived for preventive services)|
|Calendar Year Benefit Maximum (For Class I, II, and III services)||$1,500 per person|
|Lifetime Orthodontia Deductible||$50 per person|
|Lifetime Orthodontia Maximum||$1,000 per person|
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.
DHMO plans can be more affordable because they require you to see dentists within the network, in order to be covered. In comparison, a dental PPO will permit you to see any licensed dentist you want, in- or out-of-network, but you will pay less if you choose to see a dentist from the plan’s network.
That’s why we try to make this easier for you by offering you and your patient’s access to our extensive network of regional and national labs, including Laboratory Corporation of America ( LabCorp ) and Quest Diagnostics , Inc. ( Quest ).
What is a Tier 1 provider ? Every year Cigna evaluates provider performance in certain primary care and medical specialties. Providers with top results* in delivering quality, cost-efficient care become Tier 1 . Under your plan, every time you use a Tier 1 in-network.
Cigna Dental insurance coverage shall be only for the classes of service referred to in The Schedule of a purchased plan. Dental plans apply waiting periods to covered basic (6-months), major (12-months) and orthodontic (12-months) dental care services.
Cancellation and Refund Option. If a Member is not satisfied with the Program and wishes to terminate his/her membership, the Member may cancel the membership for any reason and at any time during the membership period by notifying Cigna Dental Savings verbally or in writing.
Indemnity insurance is as close as you’re likely to come to getting dental insurance that covers everything . With indemnity dental insurance , you can visit any dentist – there are no networks or approved providers.
Yes, it is possible. Even if your dentist does not accept insurance , you can keep your dentist and still receive insurance coverage . Moreover, you can use your dentist’s cash price (or negotiate) then file a claim directly. That will save you additional money.
As mentioned before, out-of-network does not mean you can ‘t use your insurance. It doesn’t mean you won’t get any benefits from your plan either. In fact, most out-of-network dental offices do accept insurance. Choosing an out-of-network practitioner means you will have to pay for the services at the time of treatment.
A dental insurance waiting period is the length of time after purchasing your dental benefits plan that you must wait before you can use your full coverage . The details of what is covered in the plan immediately versus what coverages are subject to a waiting period will be clearly outlined in your plan contract.