With a DEPO plan, you must see dentists in the network to be covered. Out-of-network coverage may apply for some types of dental emergencies. Like a DPPO, you are free to see dentists outside the network, but your costs will be lowest when you stay in-network. Like a DHMO, you are required to choose a primary care dentist who will provide any needed referrals to specialists, in or outside the network, as you choose.
This kind of freedom may mean you have a higher deductible, plan premium, and copays, depending on the plan. If you don't really intend to see dentists outside your network, a DHMO may offer better cost savings. Orthodontic care, such as braces and other teeth-straightening services, can be expensive and not all dental plans provide coverage for braces.
When exploring types of dental insurance for orthodontic care , consider the following:. When you're shopping for a dental plan, look for those with coverage for major restorative care. This kind of dental care usually covers crowns, bridges, and dentures. Check the plan annual maximum. This is the most your plan will pay for covered services in a plan year.
If you reach that limit, you will be responsible for paying any and all additional costs for your dental care. If you expect to need more restorative care, a dental plan that has a higher annual maximum and more coverage for restorative care may be right for you. Not all dental plans have a waiting period.
A waiting period is the time between the date your plan is effective and the date you are covered to receive dental care. There may be a waiting period for basic care versus major restorative care. This means you may be able to get a filling done sooner and be covered, but have to wait longer if you need something like a crown or bridge.
Some plans may waive waiting periods if you had previous coverage with them. Dental plans can vary a lot depending on the insurance carrier and plan design. When you're comparing types of dental plans, you might want to consider the kind of dental care you expect to need. Do you only need cleanings or routine exams?
Or may you need fillings, or orthodontic services as well? Make sure you understand the details of plan coverage before making a final decision on the type of dental insurance that's right for you. This information is for educational purposes only. It is not medical advice. Always consult your doctor for appropriate examinations, treatment, testing, and care recommendations.
All rights reserved. All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative.
This website is not intended for residents of New Mexico. Selecting these links will take you away from Cigna. Cigna may not control the content or links of non-Cigna websites. Special Enrollment See all topics Looking for Medicare coverage? Shop for Medicare plans. Member Guide. Find a Doctor. Types of Dental Insurance Understanding the main differences between the types of dental insurance can help when choosing the plan that's right for you.
When shopping for dental insurance and choosing a plan, you will want to know the following: Is there a deductible and coinsurance? Are you required to choose a primary care dentist? Are you required to see dentists within a certain network to be covered? What are the different types of dental insurance? Need dental coverage? Cigna offers a variety of affordable dental plans, from basic plans that cover preventive care to plans that help cover major dental care. Explore our dental plans.
What is a Dental Indemnity plan? All rights reserved. Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna representative.
Selecting these links will take you away from Cigna. Cigna may not control the content or links of non-Cigna websites.
Special Enrollment See all topics Looking for Medicare coverage? Shop for Medicare plans. Member Guide. Find a Doctor. What is a PPO Plan? PPO plan features If you choose to get care outside of the network such as a physician, hospital, clinic or pharmacy , those out-of-network services will be covered at a higher cost to you and will have to submit claims yourself.
You will also need to meet a separate out-of-network deductible. However, eligible emergency care is always covered, even out-of-network. Are you a new member? If you've recently enrolled in a Cigna plan through your employer, here are next steps: Activate your myCigna account 1 Check out member programs and services.
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WebSep 12, �� The company claims more than 93, dentists at over , locations as part of its participating network of dental providers. 1. To search for a Cigna dental . WebProgram Summary. Joining the Preferred Network Access by Cigna dental savings plan can save you an average of 37% on most dental services. With more than , . WebCigna login/register. Please enter your user id and password.