Dental insurance can be hard to understand—even if you’ve got it through your employer, or you’re paying on your own. The truth is that most dental plans cover little more than cleanings, checkups and fillings, so it’s important to know what other options are out there if you want to get the most out of your policy. If you’re interested in learning more about Cigna dental insurance and how it works, this article will give you all of the information you need to make an educated decision about your coverage.
What is Cigna Dental?
Cigna offers a variety of dental plans and coverage options that can help make it easier for you to get the care you need. Whether you’re looking for basic protection or more comprehensive coverage, we have a plan that will suit your needs.
What does it cover?
Cigna covers a number of preventive treatments such as cleanings, fluoride treatments, and sealants. They also cover some cosmetic procedures including tooth-colored fillings. However, they do not cover any implants or dentures.
Is there an annual limit?
Cigna Dental Insurance does not have an annual limit. You will be covered for all the necessary procedures as long as they are performed by a dentist in your network.
How long is my coverage active?
Your coverage will go into effect on the first day of the month following your enrollment date. Your coverage is active until the last day of that month, so if you sign up on October 1, your coverage will expire November 30. You must renew your enrollment each year in order to keep it active.
Do I have to use a specific dentist?
No, you do not have to use a specific dentist. You can go to any dentist that accepts your plan and has a contract with the company. There are two types of dentists: Preferred Dentists and Non-Preferred Dentists. If you are using preferred dentists, they will be in your network, which means they accept the same rates as other providers in the same network.
How do I submit my claims?
Submitting your claims with Cigna is easy. Just log in, select the claim from the list, and fill in all of the necessary information. You can also submit your claims by mailing them to:
Cigna Dental Insurance Claims Processing Center, PO Box 510917, Dallas TX 75350-0917
Am I covered for cosmetic procedures such as whitening?
Cigna offers a variety of dental coverage options for customers who want specific coverage for things like crowns, dentures, and other cosmetic procedures. For example, the Dental Savings plan covers up to $600 per year for denture repairs and up to $1,200 per year for crowns. The plan also covers routine cleanings and exams at 100% with no deductible.
Should I choose between an indemnity plan or an HMO?
One of the most important decisions you’ll make when choosing a health care plan is whether to select an indemnity or HMO plan. On one hand, indemnity plans cover 100% of your medical costs, but on the other hand, HMO plans are more restrictive in terms of how much they will cover for your expenses. The best way to find out which plan is best for you is by taking a look at what kind of coverage your employer offers as well as what your budget looks like.
Is coverage automatic if I change jobs or employers?
Cigna dental coverage is not automatic, so if you change jobs or employers, your coverage will be up for renewal. You can renew your plan online in a few steps by logging into your account and selecting Renew.
What are the payment options available with Cigna Dental Plans?
Cigna Dental Plans offer the following payment options: Pay-in-full, interest free financing for 12 months with no payments due until after 12 months, and Automatic Payments.
What are my responsibilities under this plan?
Under your Cigna Dental Insurance plan, it is your responsibility to ensure that the dentist you choose is in-network. You will also be responsible for making sure that you pay for the treatment at the time of service and provide a receipt to your Dental Benefits Administrator. If there are any services or treatments not covered by this policy, make sure to get pre-approval from your Dental Benefits Administrator before proceeding.