What is a Dental Indemnity plan?

Good dental health is important for a healthy smile – and a healthy body too! Dental Indemnity plans give you dental coverage that's easy to use and cost effective. The plan pays a percentage (coinsurance) of the cost for different types of covered services and covers most preventive and diagnostic services at a competitive rate, or at no extra cost to you.1

If you choose a Cigna Indemnity plan, it’s important to know how it works.2

  • You choose any licensed dentist for routine, preventive, diagnostic and emergency dental care.
  • You don’t have to choose a primary care dentist or get specialist referrals.
  • Your plan benefit summary highlights the dental procedures covered by your plan.2
  • When you meet your annual deductible and satisfy any waiting periods, you pay a coinsurance (a portion of covered charges), and the plan pays the rest (up to the yearly or lifetime dollar limit of the plan).

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 vary, so see your plan documents for details and a complete list of covered and non-covered services.

2Please refer to your plan documents or contact your employer for more information on what out-of-pocket costs you may be responsible for and what's covered and not covered by your employer’s specific plan.

All dental insurance policies and dental plans contain exclusions and limitations. For costs and details of coverage, see your plan documents. Dental indemnity plans are insured and/or administered by Cigna Health and Life Insurance Company (CHLIC) or Connecticut General Life Insurance Company. Policy forms: OK – HP-POL99/HP-POL388, OR - HP-POL68/HP-POL352, TN – HP-POL69/HC-CER2V1/HP-POL389 et al. (CHLIC).