The Cigna Dental HMO plan features no waiting period or claim forms, no annual deductible or benefit limit and only requires patients to pay a co-pay to receive covered services, according to Cigna. Employees can receive Cigna Dental HMO through their employers.Continue Reading
Co-payment amounts vary based on the plan, and patients receive rate information on a patient charge schedule when they enroll, notes BP Corporation. Individuals can access their account information and search for dentists online at myCigna.com. The HMO plan covers most preventative care services, including fluoride treatments for children, states Cigna. Patients must choose a primary in-network dentist to manage their dental care. They can change their general dentist at any time online or by phone.
To receive specialized or emergency dental care, patients must receive a referral from their general dentist, explains Cigna. A referral is not needed for orthodontic services, although not all plans cover these services. The HMO plan does not provide any coverage if the patient chooses to see an out-of-network dentist. Individuals who are not offered insurance through their employer can enroll in one of Cigna's dental PPO plans. These plans also offer account access through myCigna.com and do not require individuals to file claim forms. Unlike with the HMO, patients do not need to select a primary dentist or receive a referral to see a specialist.Learn more about Health Insurance