Dental
You have two Dental plan options through Cigna: the Prepaid/DHMO Plan and the DPPO Plan.
Plan Highlights
Both plans cover 100% of preventive care — exams, cleanings, X-rays — and include coverage for pre-existing conditions.
Cigna Dental Prepaid/DHMO Plan
- You must designate a general dentist.
- There are no deductibles to meet, no claims to file, no waiting periods for covered members, and no annual dollar maximum.
- You’ll pay fixed copays for dental services from your designated general dentist or from a participating specialist.
- There is no age limit for covered orthodontia treatment.
Cigna Dental DPPO Plan
- You can choose any dentist (no referrals required), but you’ll receive maximum benefits from an in-network provider.
- This plan has a deductible, and the annual maximum is $2,000 per person.
- You or your dentist must file claims for services rendered.
- After you meet the deductible, you’ll pay a percentage of the cost for dental services, called coinsurance. The percentage you’ll pay depends on the services you receive.
- Orthodontia treatment is not covered for anyone age 19 or older.
Compare Costs
| Prepaid/DHMO Plan | DPPO Plan | ||
|---|---|---|---|
| Deductible1 | None | $50 single, $150 family | |
| Annual maximum | None | $2,000 per person | |
| Office visit | $5 copay | $0 | |
| Covered services | |||
| Preventive care Exams, cleanings, X-rays |
$0 | $0 | |
| Fillings | $28 copay | 20% coinsurance, after deductible | |
| Root canal | $595 copay | 20% coinsurance, after deductible | |
| Crowns | $520 copay2 | 20% coinsurance, after deductible | |
| Minor oral surgery | $64 copay | 20% coinsurance, after deductible | |
| Major oral surgery | $300 copay | 20% coinsurance, after deductible | |
| Dentures | $450 copay | 50% coinsurance, after deductible3 | |
| Orthodontia — through age 18 | |||
| Orthodontics | $103 monthly copay up to 24 months, then you pay 100% | 50% coinsurance | |
| Deductible | None | None | |
| Lifetime maximum | $2,472 ($103 copay x 24 months) | $1,5004 | |
| Waiting period | None | 12 months | |
| Orthodontia — age 19+ | |||
| Orthodontics | $141 monthly copay up to 24 months, then you pay 100% | Not covered | |
| Deductible | None | Not covered | |
| Lifetime maximum | $3,384 ($141 copay x 24 months) | Not covered | |
| Waiting period | None | Not covered | |
1 Does not apply to diagnostic and preventative benefits.
2 Member may be charged additional amounts based on the type of material the dentist uses for the restoration, please refer to PCS.
3 A 12 month waiting period applies before benefits are available to new members.
4 Active Orthodontic treatment will apply to the lifetime max. If a member started orthodontic treatment under a different plan, then switched to the Cigna Dental plan before their orthodontic care is done, treatment is still “in progress.” The benefit amount from Cigna is determined by the months of active treatment the member has left when their new plan starts.
Dental Pre-Tax Premiums Per Pay Period
| Prepaid/DHMO Plan | DPPO Plan | |
|---|---|---|
| Employee Only | $5.29 | $14.45 |
| Employee + 1 Dependent | $8.99 | $26.97 |
| Employee + 2 or More Dependents | $13.75 | $45.94 |