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

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

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.

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.