Cigna Dental Insurance

About Cigna Dental Insurance

Cigna dental insurance is offered through the Cigna Company, which has been offering employee benefits for over 125 years. This long-standing company currently offers medical, dental, accident, life, and disability insurance.

Cigna is divided into three separate companies:

Cigna Group Insurance

Cigna Group Insurance offers disability, life, and accident products to employees and association members through employers, associations, and other similar groups.

Cigna Health Care

Cigna Health Care encompasses managed medical and dental care services, as well as indemnity and group insurance. These services are available to employers who want to offer insurance benefits to their employees.

Cigna International

Cigna International provides life, accident, and supplemental insurance to individuals, employees on international assignments, and other consumer markets.

Cigna Dental Insurance Plans

Cigna currently offers several dental insurance plans. The cost of each plan and the services provided vary. If you are looking into Cigna or if your employer offers more than one Cigna option, be sure to evaluate each plan prior to making any decisions.

Here are some of the most popular Cigna dental insurance plans:

Cigna Dental Care (DHMO)

With this Cigna dental insurance plan, you get to choose a dentist from the company’s nationwide network. The best part about this plan is that there is no deductible to meet, no claims to file, and no annual dollar maximum. Most preventative services are covered, such as exams and cleanings. In most cases, braces and other orthodontic services are also covered.

Cigna Dental PPO

The Cigna Dental PPO plan allows you to be reimbursed for all or part of the costs associated with visits to dentists who are both inside and outside the Cigna Preferred Provider network. With this plan, there is a dollar maximum and a deductible that must be met.

Cigna Traditional

The Cigna traditional plan allows you to visit any licensed dentist or specialist of your choosing. Most preventative and diagnostic services are covered fully or at a reasonable rate up to the plan’s annual dollar maximum. With this plan, there is a deductible and a waiting period that may apply before coverage kicks in.

CignaFlex Advantage

The CignaFlex Advantage Plan gives you the best of all that Cigna has to offer. With Flex Advantage coverage, you don’t have to be locked into any one Cigna plan. Instead, you can switch on a monthly basis between Cigna Traditional, Cigna Dental PPO, and Cigna Dental Care (DHMO).

CignaPlus Savings Program

Though the CignaPlus Savings Program is not technically a dental insurance plan, it does provide access to discounts on dental services through a nationwide network of participating dentists. On average, you can save as much as 32% on each visit. Because this is not an insurance plan, there are no deductibles, no annual dollar maximums, no waiting periods, and no claim forms to file. You simply present your Cigna member card and take advantage of the discounts that are available on the dental services you need.

A Final Note

A Cigna dental insurance plan can provide you and your family with the quality dental insurance coverage. Because there are so many different plans to choose from, you can customize your insurance coverage based on your individual situation.

If you are interested in learning more about the different forms of dental coverage offered by Cigna, visit the company’s official website at www.cigna.com.