Dental Benefits

What you need to know

You can choose from two Cigna dental plans that cover all your dental needs, from routine exams and cleanings to major services like bridgework, crowns, and orthodontia. Although you may see any dentist you like, when you visit a Cigna Dental network dentist, you’ll pay less and you won’t have to file a claim.

Find a participating dentist

The Cigna website makes it simple to locate a participating dentist in your area.

Connect with a network dentist

Plan Features

Choose from two plans: Cigna Dental Option 1 (Basic) or Cigna Dental Option 2 (Enhanced).

Both plans feature:

  • A nationwide network of Cigna dentists
  • Discounted rates for using participating Cigna network dentists
  • Preventive and diagnostic care at no cost to you
  • Coverage for restorative services and orthodontia

The key difference: Option 2 provides a higher annual maximum benefit and higher levels of coverage for basic restorative and orthodontic services. Its higher benefit levels will cost you more per paycheck.

You can also choose to waive dental coverage.

Know Before You Go
Before you sit down for a procedure that will cost more than $200, contact Cigna to request a pretreatment review of benefits. That way, you’ll know how much the plan will cover, and how much you’ll need to pay.

What You Pay for Care

Here’s what you’ll pay after you’ve satisfied your calendar-year deductible, except as noted.

Annual Deductible*
Option 1 (Basic)
Individual: $50
Family: $150
Option 2 (Enhanced)
Individual: $50
Family: $150
Individual Maximum Calendar-Year Benefit* (excludes orthodontia)
Option 1 (Basic)
$1,200
Option 2 (Enhanced)
$1,500
Preventive & Diagnostic Care Services (no deductible) includes routine exams, cleanings, x-rays, sealants, and other services
Option 1 (Basic)
0%
Option 2 (Enhanced)
0%
Basic Restorative Care such as fillings, oral surgery, extractions, root canals, periodontics, and repairs to dentures, bridges, and crowns
Option 1 (Basic)
20% coinsurance after deductible
Option 2 (Enhanced)
10% coinsurance after deductible
Major Restorative Care such as dentures, bridges, crowns, and implants
Option 1 (Basic)
40% coinsurance after deductible
Option 2 (Enhanced)
40% coinsurance after deductible
Orthodontia
Option 1 (Basic)
40% coinsurance after deductible

Lifetime maximum benefit (per person):* $1,000

Option 2 (Enhanced)
40% coinsurance after deductible

Lifetime maximum benefit (per person):* $1,500

*All plan deductibles and maximums (dollar and occurrence) cross-accumulate between in-network and out-of-network unless otherwise noted.

For additional details about covered services, including what the plan pays if you use an out-of-network provider or facility, exclusions, and limitations, visit HRConnect to view the summary plan description (SPD).

If You Use an Out-of-Network Dentist

  • You may pay more for services because non-participating dentists have not negotiated fee discounts with Cigna.
  • You may need to pay the dentist yourself and then submit a claim to be reimbursed by Cigna.
  • If you need to submit a dental claim yourself, ask your dentist for a standard American Dental Association claim form.

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HRConnect
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844-543-2147
203-200-3838 (fax)
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Cigna
800-244-6224
Website

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