A brief introduction on Cigna Dental Insurance:
Cigna Dental Insurance is a
dental insurance offered by
Cigna which is a
health insurance provider.
Cigna Dental Insurance is an important product of the company.
It has been proved that diseases related to teeth and gums can cause other diseases like heart disease, stroke, diabetes and prematured death.
Cigna Dental Insurance has several
dental insurance plans. Two prominent
Cigna Dental Insurance plans under the
Cigna banner are summarized as below:
Cigna Dental Insurance Dental Health Maintenance Organization(DHMO).
Benefits of Cigna Dental Insurance(DHMO):
Only the covered services need to be paid for. Preventive services do not attract any extra charge.
One can select from two Cigna Dental Insurance benefits:
basic and high.
The Cigna Dental Insurance DHMO plan is based on fixed copayments.
Deductibles under Cigna Dental Insurance DHMO:
Under the Cigna Dental Insurance plan (DHMO), there are no deductibles so one may start using the plan right away.
Dentists within the Cigna Dental Insurance network:
Dentists arranged by Cigna has to be consulted with. Those consulting dentists outside the purview of Cigna Dental Insurance network does not enjoy the benefits.
The two options basic and high are covered by Cigna Dental Insurance.
The other important Cigna Dental Insurance plan is Cigna Dental Insurance (PPO)
Benefits of Cigna Dental Insurance PPO:
This Cigna Dental Insurance is based on co-insurance levels.
Under this Cigna Dental Insurance 3 plans are available:
basic, medium, high.
Deductibles under Cigna Dental Insurance , Preferred Provider Organization PPO:
There are no deductibles for preventive services.
Before the utilization of orthodontic benefits, basic restorative and major restorative, deductibles must be reached.
Referring to dentists outside Cigna Dental Insurance network:
One can refer to dentists within the Cigna network as well as dentists outside the Cigna network.
Orthodontic coverage is included only in the medium and the high options but not in the basic option.
For further details on Cigna Dental Insurance, one may visit the site cigna.com, dental resources.com.