You will automatically be enrolled in the dental plan that you are eligible for regardless which medical plan you elect.
Is there a dental network of providers that I may use?
Yes. Cigna Dental offers a network of dental providers. You are not required to use a network dental provider to receive the highest level of reimbursement. You can use any dentist you choose. However, if you use a dentist who participates in the Cigna dental network, you may experience lower out-of-pocket expenses due to Cigna's negotiated rates, which, in most cases, are set below usual and customary charges. To search for a Cigna Dental network provider, log on to mycigna.com.
Can you elect to have the dental plan without enrolling in a healthcare plan?
No, we do not offer separate coverage for dental or vision.
Is there a limit to what will be paid toward dental services?
Yes. Your dental plan has annual or lifetime maximums for dental services including preventive, restorative services and orthodontic services. See your Summary Plan Description for additional information or benefit maximum limitations.
Are oral diseases covered under the medical plan or the dental plan?
Treatment for periodontal disease would be covered under the dental plan. Services with an underlying medical condition, such as fractures or oral cancer treatment would be covered under the medical plan.
Is there an age limit for braces?
Yes. See your Summary Plan Description for additional information on age limitations for orthodontia services.
Do dental cleaning exams go toward my annual maximum benefit since they are a preventive service? The dental plan covers two preventive cleanings per year and this does accumulate toward the annual maximum benefit. Information regarding the dental benefits is available in your Summary Plan Description under the dental section.
Does the orthodontic benefit renew every year? No. The orthodontic benefit is a set lifetime amount. If treatment extends from one year to the next, all charges will be applied to the benefit limitation until the benefit is exhausted regardless of the plan year in which the expenses are incurred.
Am I required to notify Cigna before my dental treatment begins? If the charge for a dental treatment is expected to exceed $200, you should request that your provider submit a pre-treatment estimate to Cigna prior to treatment commencing in order to determine if the treatment is a covered service.