What Is the Cigna Dental PPO Plan?


Quick Answer

Cigna Dental offers three preferred provider organization, or PPO, plans that provide coverage for preventative and basic care and major procedures using in- or out-of-network providers. Patients can select an in-network provider to save the most money, but they do not need a referral to see a specialist.

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Full Answer

With the myCigna Dental Preventive plan, Cigna covers 100 percent of the cost of preventative and diagnostic care, such as cleanings and routine x-rays, when a patient sees an in-network provider. The plan also offers discounted rates on other procedures. Coverage does not apply if patients see an out-of-network dentist, but they may still receive discounted services. This plan has no maximum benefit and no deductible.

MyCigna Dental 1000 pays up to $1,000 per year for preventative, diagnostic and restorative services after the patient meets the $50 deductible. People on a family plan have a $150 deductible. Patients using an in-network provider receive discounts on orthodontic services. The myCigna Dental 1500 plan has the same terms as the myCigna Dental 1000 plan but pays up to $1,500. Specific plan terms vary by state.

The PPO plans do not require patients to select a primary dentist, and patients do not need to submit a claim if they use an in-network provider. Cigna offers online account information and bill payments at myCigna.com, or patients can access the information using Cigna's mobile app.

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