Full-time associates are eligible to participate in the Cigna Dental Program and we know that selecting the right dental plan is an important decision. Take this quiz to help you see which dental plan features are most important to you and your family.
|Check either “Yes” or “No” for each question below.||Yes||No|
|I prefer a plan that tells me the exact dollar amount I will pay for each procedure, so I don’t have to calculate percentages.|
|I prefer a dental plan that has no dollar maximums, so I don’t have to worry about my benefits running out if I reach a certain amount.|
|I prefer a dental plan with no deductibles, so my benefits kick in right away, instead of waiting to reach a certain level of out-of-pocket expenses first.|
|I am willing to select a primary care network dentist even if means switching dentists.|
I answered “yes” the most.
The DHMO** plan may be right for me because: › There are no dollar maximums. › There are no deductibles. › My benefits start right away with no waiting periods. › There are no claim forms to file. › I select a DHMO network general dentist to manage all of my dental health care needs who will refer me to any network specialists. (Prior authorization may be required for certain specialty care treatments.) Visit Cigna.com to see if your dentist is in the Cigna DHMO Network.
I answered “no” the most.
The DPPO plan (plan 1 or plan 2) may be right for me because: › I have the freedom to visit any licensed dentist or specialist. › I don’t need a referral to visit any specialist. › My dental plan will cover eligible dental expenses after I meet any applicable waiting periods and meet any deductibles. › My plan is based on coinsurance levels that determine the percentage of costs covered by the plan for different types of services.
Dental Plan I
This plan covers preventive, basic, and major care. The maximum annual benefit is $1,500 per person. Orthodontic benefits have a lifetime maximum of $1,500 per person.
Dental Plan II
This plan covers preventive care and some basic services. The maximum annual benefit is $500 per person. Basic services don’t include periodontic, endodontic, or orthodontic services.
Dental Health Maintenance Organization (DHMO) Plan
If you are enrolled in this plan, you must use a dentist who participates in the DHMO network, and you pay the dentist a fixed copay amount at the time you receive treatment. Children enrolled in the DHMO plan may continue to see a pediatric dentist up to the age of 13. For a complete list of covered procedures under this plan and what you can expect to pay for each type of service, refer to the DHMO Payment Schedule.
Dental Plan Cost Comparison Chart
|Coverage levels||Dental Plan I||Dental Plan II||Dental Health
|Weekly cost. Contributions are deducted from weekly pay before taxes. Salaried associates: To calculate your biweekly contribution, multiply weekly contribution by 52 and divide by 26.|
|Associate plus spouse||$13.83||$6.08||$6.52|
|Associate plus child(ren)||$15.21||$6.69||$7.65|
|Associate plus family
Includes spouse and child(ren)
|Benefit description||Plan I||Plan II||DHMO|
|Calendar-year deductible – individual||$50||None||None|
|Calendar-year deductible – family||$150||None||None|
|Calendar-year maximum benefit per person||$1,500||$500||N/A|
|Lifetime orthodontic maximum||$1,500||N/A||N/A|
|Preventive services||Plan pays 100% (no deductible)||Plan pays 100%||Plan pays 100%|
|Basic services||Plan pays 80% after deductible||Plan pays 80%||You pay fixed copays|
|Major services||Plan pays 50% after deductible||No coverage||You pay fixed copays|
|Orthodontic services||Plan pays 50% after deductible||No coverage||You pay fixed copays|
|Dental implants||Plan pays 50% after deductible, up to $1,000||No coverage||No coverage|