How Does the Cigna PPO Plan Compare to the Cigna DHMO Plan?


Quick Answer

Cigna's Preferred Provider Organization plan allows patients to see any doctor without receiving a referral, advises Cigna. Cigna offers medical and dental PPO plans. The Dental Health Maintenance Organization plan provides dental coverage only and requires patients to select a general dentist within the network.

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Full Answer

When customers select a PPO plan, they can see any doctor and pay lower costs when they use a network doctor, states Cigna. They can also opt to see a specialist without need for a referral from a primary doctor or dentist. The medical PPO only provides medical coverage. Patients must also enroll in a dental plan to receive dental coverage.

Customers with a DMHO plan must see the general dentist they select from the Cigna Dental Care network and, in most cases, receive a referral before seeing a specialist, advises Cigna. Patients do not need a referral to receive orthodontic care. The DMHO plan does not offer coverage for patients who see an out-of-network dentist.

Patients with the DMHO plan pay a co-payment for services received. They do not have to pay an annual deductible or file claims to receive treatment, states Cigna. Patients with a PPO plan must pay an out-of-pocket deductible before receiving coverage. Once they meet their deductible, they either pay a co-payment or a percentage of the cost of services. Patients must file a claim form when they see out-of-network providers.

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