You have a choice of three dental plans: Dental HMO, Dental PPO, and Dental PPO+. Each plan offers unique options. All three dental plans cover in-network preventative serivces at 100%!
Dental Plans for Current Employees
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Dental Plans by Cigna
Dental PPO
- No deductible for preventive exam, cleaning, and X-rays
- Majority of other services are covered at 80%
- There is a calendar year deductible of $50 for individuals and maximum of $150 for families
- The maximum annual benefit per member is $2,000 per calendar year for general services and a $4,000 lifetime benefit for orthodontia for members up to age 19
- Out-of-network coverage but out-of-pocket expenses may be higher
Dental PPO+
This is the same as the Dental PPO plan described above, with the following enhancements:
- Adult and child orthodontia are covered under this plan
- The maximum annual benefit per member is $3,000 per calendar year instead of $2,000.
- Implant coverage is included, paid at 80%. Paid benefits applied to the maximum annual benefit. Exclusions may apply
Dental HMO
- Lowest dental plan premiums with no annual maximum
- There is no deductible
- There is no out-of-network coverage and you have a smaller network of dentists
- A fee schedule determines the amount you pay for dental treatment
- Every person enrolled must choose a primary dentist from the HMO network directory to manage your care. Every person enrolled must have a dentist of record on file with Cigna Dental. Initially, a dentist is assigned, and you can change to a different in-network dentist by contacting Cigna
