Dental
Dental coverage helps you maintain a healthy smile with preventive care, basic services, and major procedures. You can visit any licensed dentist, but you’ll save the most when you use an in-network provider who has agreed to discounted rates. Out-of-network dentists may charge more than the plan’s allowed amount, and you may be responsible for the difference. Most plans cover preventive services—such as exams, cleanings, and X-rays—at 100% when you stay in-network, making regular checkups an easy way to protect your oral health and avoid costly issues.
Cigna Dental PPO
Benefit Highlights
In-Network
Deductible (Individual/Family)
$25/$75
Annual Plan Maximum
$1,500
Preventive Care
$0
Basic Services
10% after deductible
Major Procedures
40% after deductible
Orthodontia (Adults and Children)
50% up to a lifetime maximum benefit of $1,500 per individual; deductible waived
Out-of-Network
Deductible (Individual/Family)
$50/$150 (combined with in-network)
Annual Plan Maximum
$1,500
Preventive Care
$0
Basic Services
20% after deductible
Major Procedures
50% after deductible
Orthodontia (Adults and Children)
50% up to a lifetime maximum benefit of $1,500 per individual; deductible waived
Cigna Dental HMO
Benefit Highlights
In-Network Only
Deductible (Per Individual)
$0/$0
Annual Plan Maximum
No maximum
Preventive Care
Up to 50%
Basic Services
Up to $30 after deductible
Major Procedures
Up to 30% after deductible
Orthodontia (Adults and Children)
50% up to a lifetime maximum benefit of $1,500 per individual; deductible waived