Is Cigna Dental Insurance Right for You?
Cigna offers a vast range of plans, and you can switch back and forth between plans if your situation demands it. Their DHMO plan is one of the most desirable as it has no deductible to meet, there is no co-pay, and each family member can choose their dentist. With the PPO plan, you have to use the Cigna network of dentists, but you get more significant savings when you use the network than going outside of it. And why not use an in-network dentist because you don’t have to file a claim?
With a Cigna Dental insurance policy you are given all kinds of choices. You can choose Cigna dental Care DHMO, PPO, EPO, or the Cigna traditional care option. With DHMO plans, you can visit a network of dentists, but in some cases, these dental offices may not be near you, and you will have to travel ways.
But that’s why they also offer the Cigna Dental PPO, which has a preferred provider network of dentists. With one of these insurance plans, you can save on things that are not necessarily covered, even if you go over your maximum for that year.
One of the best options, if you are going to go with a Cigna dental insurance plan, will be the dental EPO plan. This offers more flexibility in that you will not need a referral to see a specialist, you will not have to choose a primary dentist, you will not have to submit claims (as they are taken care of for you), and the at-counter expenses are usually a lot lower, up to 35% lower.
Also called DEPO plans, Cigna offers a great network of dentists that previous customers survey to ensure your satisfaction with the quality of work. According to their website, for every dollar you spend on preventative care like cleanings, x-rays, and check-ups, you can save up to $50 to treat any dental problems and even emergency procedures.
While some of the plans may be offered by your employer, many of you have to get your own dental insurance so you should check out some great Cigna plans or even check out a cheap discount dental plan to save even more at the dentist’s office.
When it comes to finding a great dental insurance plan for you or your family, there are many unique choices. It may seem pretty confusing to filter all the information and find the plan that is actually perfect for you.
Today I will share an amazing dental insurance plan with you called Cigna, which offers an amazing array of benefits. Here are some of them below.
Helpful Insight into CIGNA Dental Plans
CIGNA Dental Care DHMO
The CIGNA Dental Care DHMO is an inclusive dental plan offered by CIGNA. Choose from one of the many dentist options from the network, and there is no deductible to pay. In addition, you can obtain coverage right away for the most part and have little or no claim forms to fill out, which can be an arduous task for some individuals who have other dental insurance providers. The pricing is quite affordable and options are wide and varied.
CIGNA Dental PPO
For those seeking a dental insurance plan with a bit more flexibility regarding the dentist they can select as their dental care provider, the CIGNA Dental PPO plan is a good option. Preventive procedures are quite affordable as many are included in the premium price at no extra cost to the insured, and specialty services are offered at discounted prices. In addition, no referral is needed to see a specialty dentist. Although the prices may be slightly higher than the DHMO plan, your options will be more expensive.
CIGNA Dental EPO
CIGNA Dental EPO is the exclusive provider organization, and insured individuals can pick from any dentist in the provider network and no referrals are necessary when you need to see a specialist. There are low out-of-pocket expenses for those covered treatments and little or no cost for included treatments/visits.
CIGNA Traditional
The CIGNA Traditional plan allows insured individuals under this plan to visit whomever they want but must pay a deductible and meet waiting periods if so required. Reimbursements occur thereafter for covered services up to the annual dollar maximum amount.
CIGNA Flex Advantage
The CIGNA Flex Advantage is a plan offered by this company that will allow insured individuals to switch types of plans every month if they desire to do so. This removes restrictive plans and requirements, allowing insureds to choose a plan most suitable to their current dental visit situation. This “no questions asked” option is good to keep in mind if you want flexibility with dental plans and not be locked into a particular plan for a specific period.
CIGNA Plus Savings
The CIGNA Plus Savings Plan is not an insurance policy but a savings option. Those who take advantage of this plan can go to any dentist and save money on the services provided. This is a highly reasonable plan, as most families pay between $8.50 and $10.00 per month. With the CIGNA Plus Savings plan, individuals who sign up for it can save around 35% off of a wide variety of dental services.
Whichever CIGNA dental plan you choose, the cost is reasonable, the company is reputable, and the plans are included.
Some things to know about Cigna Dental Insurance Plans
Ok, so I see you are ready to get started with the Cigna dental insurance plan. But not so fast; here are a few more things you should really know.
Affordable
Cigna is a VERY affordable and easy-to-access dental insurance plan. The prices are great, especially for families that visit the dentist regularly. You can save 62% to 83% of your dental treatments if you use a network dentist. You can also save up to 60% on other services, such as weight management or acupuncture. Wow! I told you it was affordable.
Has a Nationwide List of Dentists
The great news is that WHEREVER you are located, there is a Cigna dentist a rock toss away from you. Thousands upon thousands of qualified dentists are listed in their Cigna nationwide network…meaning all over the U.S.A.
Strict Certification for Dentists
You can also sleep easily at night knowing that every Cigna dentist is HIGHLY qualified and went through rigorous training and certifications before being allowed to become a Cigna dental provider. This means that whichever dentist you select will be a great one.
No Deductibles
Wow, that sounds great to me. A terrific plus to using the Cigna dental insurance plan is that no deductible is required. So you don’t have to pay out of pocket a certain amount before getting your benefits.
This means that anyone can enjoy very affordable dental care with no worries. So there you have it. The fabulous Cigna dental plan. Look into it if you ever need a terrific, affordable, and easy-to-find dentist.
Cigna vs Delta Dental
| Criteria | Cigna | Delta Dental |
|---|---|---|
| Network Size | Over 500,000 dentists in the US | Over 152,000 dentists in the US and Puerto Rico |
| Plan Types | Offers both PPO and HMO plans | Offers PPO, DHMO, and discount plans |
| Coverage | Covers preventative, basic, and major dental services, with some plans also covering orthodontics | Offers a range of coverage options, including preventative, basic, and major dental services, as well as orthodontics and other specialty treatments |
| Waiting Periods | Varies depending on the plan selected | Varies depending on the plan selected |
| Out-of-Pocket Costs | Varies depending on the plan selected | Varies depending on the plan selected, but typically offers lower out-of-pocket costs than other providers |
| Customer Satisfaction | High customer satisfaction ratings | High customer satisfaction ratings |
- Network Size: As mentioned earlier, Cigna has a larger network of dentists with over 500,000 dentists in the US, whereas Delta Dental has over 152,000 dentists in the US and Puerto Rico. However, it’s important to note that both providers have a significant network of dentists, so you’re likely to find a provider near you regardless of which option you choose.
- Plan Types: Cigna offers both PPO and HMO plans, while Delta Dental offers PPO, DHMO, and discount plans. PPO plans allow you to see any dentist you choose, but you’ll typically pay less if you choose a provider within the network. HMO plans require you to choose a primary care dentist and typically offer lower out-of-pocket costs than PPO plans, but they may have more restrictions on which providers you can see. DHMO plans also require you to choose a primary care dentist and limit your choices of providers even more, but they typically have the lowest out-of-pocket costs. Discount plans don’t provide coverage for dental services but offer discounted rates if you see a provider within the network.
- Coverage: Both Cigna and Delta Dental offer coverage for preventative, basic, and major dental services, as well as orthodontics in some plans. However, the specifics of what is covered can vary widely depending on the plan selected, so it’s important to review the details of each plan before making a decision.
- Waiting Periods: Both Cigna and Delta Dental may require waiting periods before coverage begins for certain services, such as major dental procedures like crowns or bridges. The length of the waiting period can vary depending on the plan selected, so it’s important to review the details of each plan.
- Out-of-Pocket Costs: Both Cigna and Delta Dental offer plans with varying out-of-pocket costs, depending on the plan selected. However, Delta Dental is often cited as having lower out-of-pocket costs than other providers, which can make it a more affordable option for some individuals.
- Customer Satisfaction: Both Cigna and Delta Dental have high customer satisfaction ratings, according to surveys conducted by J.D. Power. However, it’s important to note that customer satisfaction can vary depending on the individual plan and the specific experiences of each customer.
Note: the specifics of each plan can vary widely depending on the state and employer offering the plan, so be sure to review the details of each plan before making a decision.
