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Group Dental Insurance for Employers

Dedicated to delivering better savings, better health, better experience

Cigna group dental coverage focuses on dental check-ups and preventive oral care for organizations of all sizes. When clients bundle medical and dental insurance plans, they work together to educate and motivate employees to understand the importance of oral health to help improve overall health and savings.

About the Network

Cigna has a large network of dentists contracted to discounted fee arrangements.

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Dental Plan Types

Cigna offers a flexible range of group dental plans. Plan benefits will vary based on plan type and what you discuss with your local Cigna representative.

Dental Preferred Provider Organization (DPPO)

  • Flexible network with customizable in- and out-of-network discount configurations. Employees can choose any dentist.
  • Cost-saving features and multiple funding options available
  • Preventive procedures are covered at low or no extra cost1
  • Referrals are not required to see a specialist

Cigna Dental Care® Dental Health Maintenance Organization (DHMO)2

  • Eligible in-network care1 is covered with flexible plan design options
  • Premiums are typically lower than a Cigna DPPO plan
  • Coverage features such as surgical implant coverage, teeth whitening coverage, the ability to offer up to four cleanings a year, coverage for crowns and bridges over implants, and coverage for athletic mouth guards.4
  • Dental Information Line gives customers access to health information over the phone
  • Cost-saving options are available through coinsurance, customer copayment and discounts.
  • CignaFlex Advantage lets customers switch monthly between our Cigna Dental Care plan and either the Cigna Dental PPO or the Cigna Traditional indemnity plans—with no additional administrative work options for clients. There are three options available to meet clients' needs, including Cigna Managed Switch, Client Managed Switch and Client/Cigna Managed Switch.

Dental Exclusive Provider Organization (DEPO)

  • In-network only coverage with access to a large network of dentists
  • Preventive procedures are covered at low or no extra cost1
  • Referrals are not required to see a specialist
  • Cost-saving features are available through calendar year maximum, deductibles and or waiting periods

Cigna Traditional

  • Dental indemnity-style plan lets employees choose any dentist or specialist.
  • Set coinsurance amount for all covered services. Employees may also pay a plan deductible and the difference between coinsurance and the dentist's usual charges.
  • Preventive procedures are covered at low or no extra cost.1

CignaPlus Savings®

  • Discount dental program: Customers get access to dental services at discounted rates and pay the entire discounted charge directly to participating dentists.5
  • Cost-effective option for employers who want to offer part-time employees, seasonal employees or retirees access to affordable dental care.

Benefits of Cigna Dental Plans

  • 24/7/365 live customer service, when and where employees need it
  • Award-winning digital tools for employees, including the myCigna® mobile app
  • Worldwide in-network coverage for emergencies
  • Option for employers to bundle pharmacy, behavioral health, vision, and more
  • Optional health and wellness discount programs to encourage and reward employees
  • Self-funded and fully insured funding options for employers
  • Dedicated client service team
  • Educational content for employees, including dental health resources

Dental Benefit

With the Cigna Dental Oral Health Integration Program®, all Cigna dental customers with certain medical conditions may qualify for 100 percent reimbursement of out-of-pocket costs for specific dental services.6

Learn more about the Cigna Dental Oral Health Integration Program

Cigna Dental Gets Results

Preventive dental treatment was associated with 3.65% lower medical utilization costs.7

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Improved Health and Lower Medical Costs: Why Good Dental Care is Important

Gum disease may have a potentially significant impact on systemic health, and the implications for cost of care and quality of life can be staggering.

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Dental Resources for Employees

Share this information about dental and oral health with your employees.

Save money with the right mix of benefits – at the right price.

Contact your broker or connect with a Cigna representative to discuss your organization’s unique needs.

1Not all preventive care services are covered. For example, athletic mouth guards and prescription medications are generally not covered. In general, the following limitations apply: two (2) cleanings per calendar year, one (1) bitewing x-ray per calendar year, one (1) full mouth x-ray every five (5) calendar years, and one (1) panorex x-ray every five (5) calendar years. Plans may vary.

2The term DHMO (“Dental HMO”) is used to refer to product designs that may differ by state of residence of enrollee, including but not limited to, prepaid plans, managed care plans, and plans with open access features.

3Minnesota Residents: If you are considering enrollment or are enrolled in a Cigna Dental Care (DHMO) plan through your employer, you must visit your selected network dentist in order for the charges on the Patient Charge Schedule to apply. You may also visit other dentists that participate in our network or you may visit dentists outside the Cigna Dental Care network. If you do, the fees listed on the Patient Charge Schedule will not apply. You will be responsible for the dentist’s usual fee. We will pay 50% of the value of your network benefit for those services. Of course, you’ll pay less if you visit your selected Cigna Dental Care network dentist. Call Customer Service for more information. Oklahoma Residents: Cigna Dental Care (DHMO) for Oklahoma is an Employer Group Pre-Paid Dental Plan. You may also visit dentists outside the Cigna Dental Care network. If you do, the fees listed on the Patient Charge Schedule will not apply. You will be responsible for the dentist’s usual fee. We pay non-network dentists the same amount we’d pay network dentists for covered services. You’ll pay less if you visit a network dentist in the Cigna Dental Care network. Call Customer Service for more information.

4Individuals must receive services through their network general dentist for coverage to apply, except in emergencies. Prior authorization may be required for certain specialty care treatments. Only those procedures that are medically necessary and listed on the plan’s Patient Charge Schedule (PCS) are covered. Replacement of crowns and inlays, and prosthesis over implants (if unserviceable and cannot be repaired) is limited to one every five years. Services related to the surgical placement of a dental implant are limited to one per year with replacement of a surgical implant frequency limitation of one every 10 years. The frequency limitations of certain other covered services are set forth in the PCS. The following are excluded from coverage unless otherwise listed on the PCS or required by law: (a) Experimental and cosmetic dentistry; (b) Treatments or surgery if associated with a poor or hopeless diagnosis; (c) Recementation of crowns, inlays and onlays, post and cores, and veneers within 180 days of initial placement; (d) Crowns, bridges and implant supported prosthesis used solely for splinting; and (e) Work already in progress for crowns, bridges, dentures, root canal treatment, or implant supported prosthesis. A complete list of your plan’s terms, including exclusions and limitations, is set forth in the applicable plan documents.

5CignaPlus Savings is a dental discount program and is NOT insurance. This program is administered by Cigna Health and Life Insurance Company or Connecticut General Life Insurance Company and provides members access to discounted fees, pursuant to schedules negotiated by Cigna Dental with participating providers, which members are responsible for paying in full, directly to participating providers.

6Not applicable to CignaPlus Savings discount program. For Dental Traditional, EPO and PPO plans, deductibles do not apply but reimbursement is applied to and subject to the plan’s calendar year maximum. Customers must enroll in the program prior to receiving services to be eligible for reimbursement.
7"Preventive Dental Treatment Associated with Lower Medical Utilization and Costs," national Cigna study presented at the International Association for Dental Research Meeting, 3/2015. Results may vary.

Product availability may vary by location and plan type and is subject to change. All group dental insurance policies and dental benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna representative. Cigna Traditional indemnity dental plans are insured and/or administered by Cigna Health and Life Insurance Company (CHLIC). Cigna Dental EPO and PPO plans are insured and/or administered by CHLIC, with network management services provided by Cigna Dental Health, Inc. and certain of its subsidiaries. Cigna Dental Care (DHMO) plans are insured by Cigna Dental Health Plan of Arizona, Inc., Cigna Dental Health of California, Inc., Cigna Dental Health of Colorado, Inc., Cigna Dental Health of Delaware, Inc., Cigna Dental Health of Florida, Inc., a Prepaid Limited Health Services Organization licensed under Chapter 636, Florida Statutes, Cigna Dental Health of Kansas, Inc. (KS & NE), Cigna Dental Health of Kentucky, Inc. (KY & IL), Cigna Dental Health of Maryland, Inc., Cigna Dental Health of Missouri, Inc., Cigna Dental Health of New Jersey, Inc., Cigna Dental Health of North Carolina, Inc., Cigna Dental Health of Ohio, Inc., Cigna Dental Health of Pennsylvania, Inc., Cigna Dental Health of Texas, Inc., and Cigna Dental Health of Virginia, Inc. In other states, Cigna Dental Care plans are insured by CHLIC or Cigna HealthCare of Connecticut, Inc., and administered by Cigna Dental Health, Inc. Policy forms: OK – DPPO: HP-POL99, DHMO: HP-POL115 (CHLIC); TN – DPPO: HP-POL69/HC-CER2V1 et al, DHMO: HP-POL134/HC-CER17V1 et al (CHLIC).

This page is not intended for residents of OK