Maximum savings and access to quality care
CIGNA Dental Care (DHMO*) can make visiting the dentist convenient and cost effective. Members can choose a dentist from our nationwide network:
- There's no deductible to meet, and no annual dollar maximum. In most cases, no claim forms to file, and no waiting period for coverage.
- No copayments are required for most diagnostic and preventive services.
- Each family member chooses his or her own network dentist.
- Second opinions are available at no charge when we arrange them.
- Referrals are not required for members or their covered dependents to receive care from a Network Orthodontist.
Members will be covered for most preventive services, including two exams and cleanings per year, X-rays, and two fluoride treatments for children. In addition, members can select a participating pediatric dentist as a primary care dentist for dependent children under age seven and no referral is needed. Based on your plan design, coverage for braces (orthodontia) for children and adults may be included.
All network dentists complete a credentialing process and participate in a Quality Management Program. We visit and assess each network dentist's office periodically to ensure it continues to meet customer service and quality expectations.
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Finding the Care You Need
As a member, you select a general dentist to provide care. You will contact your general dentist for all of your dental needs – routine check-ups as well as emergency situations. If specialty care is needed, your general dentist will provide the necessary referral.
For covered procedures, including approved specialty care on most plans, you'll pay the pre-set copay or coinsurance fee described on your Patient Charge Schedule.
If you have a CIGNA Dental Care plan, you can call Customer Service at 1.800.CIGNA24 (1.800.244.6224) or the number on your dental ID, or log in to myCIGNA.com for more information. Or ask your employer or benefits manager for more information about enrolling in a CIGNA dental plan.
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How the DHMO might work for you
By choosing a DHMO plan, you can save an average of 62% to 83% 1 off provider-paid dental costs when compared to not having dental insurance. This average savings represents all procedures on our plans, including preventive services, most of which are provided at no or low charge.
The key to a healthy smile is to take care of your teeth and gums before problems begin. Every $1 you spend on preventive dental care could save you $8 to $50 in restorative and emergency treatment. 2 Regular, routine oral care helps you address minor problems before they become major and more expensive to treat.
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Health and wellness programs
As a member of a CIGNA Dental plan, you also have:
- Member discounts: Save up to 60% on products and services – from acupuncture to weight management – with our Healthy Rewards® discount program. Note: All programs are not available in all states.
Check your plan materials or log in to myCIGNA.com for more information about your dental plan, including your eligibility for specific programs and services. Or ask your employer or benefits manager for more information about enrolling in a CIGNA Dental plan.
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Employer Advantages
CIGNA Dental Care is fully insured prospectively rated (non-participating) and the minimum quote size is 10 employees, and minimum enrollment requirement is 10 employees.
Our CIGNA Dental Care standard DHMO offering and Value Plan options offer your employees comprehensive coverage for a wide range of dental services. Most preventive procedures are covered at 100%, giving members the confidence that they can access dental care as needed.
The CIGNA Dental Care Value Plans, an expansion of our DHMO portfolio, are designed to give employers the flexibility to tailor benefits to manage shrinking employee benefits dollars through cost savings options that are added to our typical plan designs, which include:
- Alternate treatment provisions.
- Alternate treatment provisions on plans that exclude orthodontics.
- Alternate treatment provisions with Specialty discount.
- Specialty discounts only.
- All schedules available with a $5 office visit member copayment option.
Please call your broker or CIGNA HealthCare representative for more information about CIGNA Dental Care. If you currently offer CIGNA HealthCare benefits to your employees, log in to CIGNAaccess.com for personalized information and online benefits management.
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There are advantages of packaging medical and dental benefits. Numerous studies have revealed the link between gum disease and conditions such as premature birth, diabetes, heart disease and stroke. Quality dental care can help contribute to reduced medical costs.
Members who participate in CIGNA medical and dental plans may also have access to enhanced benefits through the CIGNA Dental Oral Health Integration Program®. Ask your CIGNA representative about this program.
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Your employees can feel confident that they're getting access to quality dental care from network dentists. All network dentists complete a credentialing process and participate in a Quality Management Program. We visit and assess each network dentist's office periodically to ensure it continues to meet customer service and quality expectations.
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