Whether you’re after the perfect smile or you just want to know that you’re protected in the case of an accident, dental insurance is an important part of any healthcare plan. Cigna offers a wide variety of dental plans to choose from. We’ll explore the benefits of Cigna Dental’s PPO insurance plans. There are many different plans to choose from, including HMO, but we’ll be focusing on the PPO (preferred provider organization) option.
Cigna provides health and dental insurance to individuals, families, and businesses. They’ve been in operation since 1792, and have as many as 15.2 million medical customers worldwide, putting them right at the forefront of dental insurance providers in the US.
Cigna Dental’s PPO plans provide you with access to their nationwide network of dentists – there are over 135,000 practitioners to choose from – making it an extremely flexible type of dental plan. You don’t have to stay within the network if you don’t want to, but you will need to spend more money if your chosen dentist isn’t in the Cigna Dental PPO network, since the plan pays a greater percentage of costs if you get treatment from a participating provider. Like all PPOs, you’ll need to pay a deductible (the amount that you have to pay before your coverage kicks in).
Under a Cigna Dental PPO plan, a wide variety of dental procedures are available, not just routine or diagnostic care. You can receive coverage for preventative care (cleanings, routine x-rays, etc.), basic procedures (fillings, restorative work, non-routine x-rays) and major procedures (crowns, root canals, bridges, etc.).
One of the major benefits of a Cigna Dental PPO plan is that you don’t have to submit the claim yourself, paying the entire cost of the treatment up front before you wait to be reimbursed. Instead, the Cigna PPO dentist submits the claim on your behalf. In addition, since it’s a PPO you won’t have to choose a primary dentist, allowing you to select a Cigna dentist that is convenient for you no matter where you are.
Cigna Dental offers access to several different PPO plans:
They also offer a plan called Cigna Dental Preventative, however this plan only covers preventative and diagnostic treatments, so it’s probably not the best choice unless you’re happy to receive extremely basic coverage.
So, how do you use a Cigna Dental PPO plan? It’s easy. Since the dentist submits the claim on your behalf, you just need to pay the deductible, plus your co-payment.
If you’re likely to need dental coverage in a variety of different areas of the country or state, Cigna Dental PPO represents an easy to use, flexible option for your dental insurance. A wide variety of dental treatments are available, and you can choose from an enormous number of dentists within the PPO network. If you want great dental coverage while keeping your expenses relatively low, Cigna Dental insurance could be the best option.
Searching for a Cigna Dental PPO dentist in your local area? Get in touch with 1-800-DENTIST right away to book your next appointment.