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Freedom of choice
CIGNA Traditional (Dental Indemnity) lets members and their covered family members visit any licensed dentist or specialist you choose whenever you need treatment – the choice is theirs.
- Most diagnostic and preventive services are provided at low or no cost.
- Members can visit any licensed dentist or specialist.
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Finding the care you need
You'll be covered for most preventive and diagnostic services at a reasonable cost, or at no cost to you. After meeting your deductible or satisfying any waiting periods, you'll be reimbursed for all or part of your costs for covered procedures up to your plan's annual dollar maximum. You pay the difference up to the dentist's usual fees.
If you have a CIGNA Traditional plan, you can call Customer Service at the number on your claim form, 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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The value of a CIGNA Traditional Plan
How the Traditional Plan Might Work For You
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. 1 Regular, routine oral care helps you address minor problems before they become major and more expensive to treat.
You'll find that coverage for most preventive services is at no or low cost.
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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, 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 Traditional is our Dental Indemnity – style plan, offering members maximum choice – they can visit any dentist or specialist they choose, without a referral.
Coverage includes most preventive and diagnostic services. After meeting a deductible or satisfying any waiting periods, they'll be reimbursed for all or part of the costs for covered procedures up to the plan's annual dollar maximum. Members pay the difference up to the dentist's usual fees.
CIGNA Dental WellnessPlus Modules are available -- Employers want cost-effective dental benefit solutions. Select one of our optional WellnessPlus modules when you offer your employees the CIGNA Dental PPO or Dental Indemnity products. You have three modules to choose from: Progressive Maximum, Progressive Benefit, and Progressive/Regressive Benefit. With CIGNA Dental WellnessPlus, members are rewarded for receiving preventive care. You can select a module and design a plan to meet your needs without compromising employee concerns regarding network access.
Please call your broker or CIGNA HealthCare representative for more information about CIGNA Traditional. 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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Choose from multiple funding options:
Fully Insured
- Full premium paid monthly
- Predetermined and guaranteed rates
- Predictable, easy-to-budget expenses
- Protection from high claim costs
Fully Insured - Participating
- Full premium paid monthly
- Predetermined and guaranteed rates
- Predictable, easy-to-budget expenses
- Protection from high claim costs
- Year-end settlement
- Can earn cash back at year end if claims are low
Minimum Premium
- Lower premium paid monthly
- Claims funded through bank account with a monthly claim cap
- Protection from high claim costs
- Year-end settlement
- Improved cash flow
- Lower expenses and premium taxes
Administrative Services Only
- No monthly premium or premium taxes paid, just an administrative fee
- Exempt from most state regulations and mandates on coverage levels
- Stop Loss coverage available
- Maximizes cash flow
- Freedom to design your health benefits
- Financial protection against unanticipated, catastrophic claims
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FAQ
Do I have to choose a dentist?
You are not required to choose a dentist. You can choose to see any dentist you want.
Do I need a referral to see a specialist?
Though you may want your personal dentist's advice and assistance in arranging care with a specialist, you do not need a referral to see a specialist.
Do I have to choose between in-network and out-of-network coverage now?
No. The CIGNA Traditional dental plan does not have a network, so each time you seek care, you can visit any dentist.
Who is responsible for filing a claim for reimbursement?
To be reimbursed, typically you are responsible for filing a claim form. Then, if you've met your plan's predetermined deductible, you'll pay a certain percentage of the expense – called coinsurance – and be reimbursed the rest.
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