Your dental coverage is bundled with your medical/vision/hearing coverage. The plan provides 100% coverage for preventive care when you use Cigna network providers. It covers restorative services after you meet an annual deductible, as well as orthodontia for both children and adults.
How the plan works
You can see any dentist you choose, but dental benefits may be higher when you choose a provider in the Cigna Total DPPO Network. That’s because these providers have agreed to a lower contracted fee for services, so the percentage of the charge you pay is based on this lower contracted fee.
If you choose to go to a non-participating provider, the deductible and coinsurance percentage you pay is the same as in-network (as shown in the chart below). But if your provider’s charges exceed the contracted amount (called the Maximum Allowable Charge, or MAC), you must pay your coinsurance plus the amount exceeding the MAC. New: On June 1, Cigna increased the amount they will pay for out-of-network services, which covers nearly all balances that exceed the maximum allowable charge. In most cases, all you will need to pay is your coinsurance.
Finding network providers and more
For a list of providers or for more information about the plan, call 1.800.Cigna24 (800-244-6224), or visit myCigna.com. MyCigna is a tool that stores all your dental information in one secure place. Your login connects you to:
Dental provider directories
Provider comparison tools
Quotes on common dental care services
Information on health conditions
Discounts to other services and more
If you haven’t already, be sure to set up a myCigna account so you can stay connected with all your Cigna coverage details.
If your dentist recommends a course of treatment that is expected to cost $200 or more, you should ask your dentist to file for a pre-treatment estimate of benefits. This helps you avoid surprises by letting you know how much is payable for the proposed treatment before it begins.
You will receive an ID card in the mail from Cigna.
Dental benefits … at a glance
The chart below provides an overview of dental benefits. Rules and limitations apply; see the plan doc for more details. Click on chart to view or download a pdf file.
Cigna Total DPPO Network dentists have agreed to lower contracted fee for services; if you use an out-of-network provider, you’ll be responsible for charges exceeding the Maximum Allowable Charge (MAC).
Preventive/diagnostic benefits do not count toward your annual benefit maximum.
For more information
If you need more information about your dental coverage than this page provides, check out these Cigna flyers:
Prevention is the key to a healthy smile! Preventive dental care is covered at 100% when you use network providers, with no deductibles or copays. Each covered family member can receive x-rays and up to two exams/cleanings a year.