You have a choice of two managed dental options for you and your eligible dependents to help cover the cost of maintaining good dental health. Each plan includes preventive, diagnostic, and restorative care, as well as orthodontia benefits. Your dental options vary based on type of plan and how you want to control your out-of-pocket costs.The CIGNA Dental Health DMO is much like a medical HMO. All care must be obtained through a network dentist.
The CIGNA Dental Health PPO combines in-network and out-of-network coverage. Each time you need dental care, you make the choice to use a network or non-network dentist.
- In-network there are no deductibles, all preventive services are covered at 100%, and, generally, all coverage levels are higher.
- Out-of-network you may choose any provider, but you pay higher out-of-pocket costs for coinsurance and deductibles.
1999 CIGNA Dental Plan Offerings
DPO - * DMO SERVICE In-Network
Out-of-Network
Co-pays
Requires choosing a PCD? No No Yes Specialist referrals required? No No Yes Must use Network Provider? Yes No Yes Deductible $0 Individual $50/Family $150 n/a Annual Maximum $1,500 $1,000 Unlimited PREVENTIVE SERVICES: Deductible Required? No No No Exam 100% 100% 100% Cleanings 100% 100% 100% Cleaning Frequency 2 per calendar year
2 per calendar year
One every Six Months X-Rays 100% 100% 100% BASIC RESTORATIVE: Deductible Required? No Yes No Endodontics 100% 80% $0 - $300 Periodontics 100% 80% $25 - $325 Oral Surgery 100% 80% $0 - $75 MAJOR RESTORATIVE: Deductible Required? No Yes No Crowns 60% 50% $20 - $335 Bridges 60% 50% $20 - Unlimited Dentures 60% 50% $60 - $405 ORTHODONTICS: Deductible NO $50 $190 setup Co-Insurance 50% 50% $40 -$2,200 Maximum Out-of-Pocket Unlimited Unlimited Unlimited Lifetime Maximum $1,500 $1,000 Unlimited Adults covered? Yes
Yes
Yes
* In Texas, the out-of-network plan design is the same as the in-network plan.
You may use this information to choose a dental plan. Please refer to the plan documents for specific coverage levels, limitations and exclusions.
Also explore the Super Saver Coupons in CoreChoice Dollars.
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