What are the Types of Dental Insurance Cigna Offers?
Cigna offers a variety of dental insurance plans designed to meet the diverse needs of individuals and families. By understanding the different types of dental insurance offered, you will be better able to make informed decisions about your oral health coverage. To learn more, please refer to the following Cigna Dental Insurance plan offerings.
- Preventive Plans: Preventive dental plans support your ability to maintain oral health in a variety of ways Under this plan, basic services like routine exams, cleanings, and X-rays are provided at little to no cost. This in turn incentivizes members to schedule regular appointments, members increase their likelihood of preventing more serious health problems and enjoying good oral health.
- Basic Dental Insurance Plans: Cigna’s basic dental insurance plans offer coverage for check-ups and cleanings and may also cover basic restorative services such as fillings, extractions, and periodontal treatment. Individuals with periodontal disease or who are susceptible to developing oral health issues may benefit from opting for this plan, which involves a copayment structure, meaning you will pay a portion of the cost for these procedures and Cigna will cover the rest.
- Comprehensive Dental Plans: Comprehensive dental plans are designed for individuals who need or want to have complete coverage for a wider range of dental services. Major services that would be covered under this type of plan may include crowns, bridges, dentures, and oral surgery. Although these plans have higher premiums, the benefit of having peace of mind knowing that you are covered in case you need extensive care can be invaluable.
- Family Dental Insurance Plans: Family dental insurance plans provide coverage for multiple family members and a good option for households interested in consolidating their dental coverage under one policy to simplify the process of managing premiums and services. Family plans typically cover preventive, basic, and major services and are excellent options for ensuring your entire family is covered when dental interventions are needed.
- Dual Choice Plans: Cigna's dual choice plans allow members to choose between two networks of dental providers, which allows for greater flexibility in managing dental care. Members can opt to use in-network dentists for reduced costs or out-of-network providers, though doing so typically results in higher out-of-pocket expenses.
- Discount Dental Plans: Cigna also offers discount dental plans, which offer members access to a network of dentists who provide specified services at a reduced fee. Members pay a monthly fee, and receive discounts on a variety of procedures. This option is a good option if you are looking to save on dental care while still having access to necessary services should the need arise.
- Supplemental Dental Insurance: Individuals who have dental insurance but find it insufficient to their needs may be good candidates for Cigna’s supplemental dental insurance. This plan fills in the gaps of existing coverage and may be a good option if you are anticipating the need for upcoming major dental work or if you want extra financial protection.
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