Co-authored by: Oral Irrigator. Three different companies work under the Cigna name and they all provide services in the health domain. Thus, Cigna dental insurance falls in the range of activity of Cigna Health Care; the packages included in their offer are meant to address the needs of employers who offer health insurance as a job bonus. Concerning the dental plans, their cost and extent is variable, and employees can even choose between the alternatives available with Cigna dental insurance. If you want to be able to tell which variant works best for you, get informed on all the plans in the first place.

A DHMO Cigna dental insurance plan, for instance, will allow one to go to any dentist from the company’s network. This package does not require a yearly maximum, there are no deductibles nor forms to file as part of the insurance coverage process. As part of this plan you will have several regular checkups and cleanings include together with the services necessary for orthodontia and braces.

In case you want to see a doctor outside the network and still have coverage for the interventions, choose the PPO Cigna dental insurance. Deductibles are required for such a dental plan as well as an annual dollar maximum.

A traditional Cigna dental insurance plan also involves an annual dollar maximum and not all services are completely covered by it. Normally, the company advertises the traditional insurance package as having low rates particularly since it allows one to visit any specialist of personal choice.

The problem here is the deductible and the fact that you may have to go through a waiting period before the coverage is possible. And here we should mention the most complex Cigna dental insurance: Cigna Flex Advantage that allows the insured to choose options from all the other different packages.

Savings and discounts represent another means to attract customers and Cigna dental insurance brings this opportunity through a special saving program that allows one to make an economy of up to 32% on every visit to any of the participating dentists in the network. Since discounts save you the trouble of working with deductibles and calculating the annual maximums, there won’t be any waiting period either. Instead, you can enjoy the benefits of having a Cigna membership card that makes the discounts possible on the exact type of dental service that is necessary for your situation.

Co-submitted by: Oral Care, Parkurson Alec.

Like this post? Subscribe to my RSS feed and get loads more!