Dental

Dental Plan Options

You may have up to three dental plan options to choose from, depending on your home zip code:

• The Cigna Dental Basic Preferred Provider Organization (Basic PPO)
• The Cigna Dental Plus Preferred Provider Organization (Plus PPO)
• The new Cigna Dental HMO (DHMO)*

*Note: DHMO benefits are subject to state insurance mandates and vary slightly from state to state. If you are not currently enrolled in DHMO and would like more information, please call Cigna directly for assistance.

The Dental PPO options differ in how much you pay for your dental expenses:

• With the Basic PPO, you’ll pay less in monthly contributions but more when you receive care.
• With the Plus PPO, you’ll pay more in monthly contributions and less when you receive care and have additional dental benefits that the Basic PPO does not cover, like orthodontia.

Under both options, you are free to go to any dentist under the Cigna Dental Plan, but will receive enhanced benefits (lower deductibles, better coinsurance and higher maximums) when using in-network providers. Visit www.mycigna.com to find a participating dentist.

The dental HMO option offers:

• In-network only coverage. There is no out-of-network coverage under the plan. You must use an in-network doctor in the Dental Care Access Plus network in order for services to be covered.
• No annual deductible or maximums, with lower payroll contributions than the PPO options.
• Fixed charges for services, making your out-of-pocket costs more predictable.
• Eligibility for this plan is based on your home zip code. If you log on to enroll and don’t see the DHMO as a dental option, that means there aren’t enough DHMO dentists in your zip code to support enrollment.
• A general dentist will be assigned to you after you enroll. You can call Cigna or logon to www.mycigna.com to find the name of your assigned general dentist, or change them, at any time after you receive your Cigna DHMO ID card(s). If you change your general dentist by the 15th of the month, the change will take effect the first of the following month.
• If you enroll in the DHMO, you will be mailed ID cards to your home address.

Each Dental PPO option offers access to the same Cigna Advantage network of participating dentists. Here are some things you should know about the Advantage network.

• You can visit any participating Cigna Advantage Network dentist to take advantage of discounted fees and higher in-network benefits.
• If you want in-network coverage, you should check to be sure your provider is in the network prior to every dental appointment. Cigna cannot guarantee the availability of in-network providers in every geographic area.
• You have the freedom to choose any dentist under the Basic PPO and Plus PPO plans. However, if you choose a core network preferred dentist, your health care dollars will go further since the plan pays more if you go in network. If you visit a non-network dentist and receive out-of-network benefits, those dentists have not agreed to reduce their fees. If the non-network dentists’ fees are higher than the maximum allowed by the Plan, you must pay the difference in addition to your deductible and coinsurance. The Dental HMO plan does not offer any out-of-network coverage.

ID Cards

You will receive ID cards if you enroll in dental HMO (DHMO) coverage only. Dental ID cards are not provided for the Dental PPO options; tell your dentist that you are covered by Cigna. They may need your Social Security Number or your subscriber ID (if you have a medical ID card).

Once you enroll and your DHMO coverage becomes effective (typically, within 1 week of completing your enrollment), DHMO ID cards will be mailed to you. Physical ID cards are mailed to you in approximately two to three weeks following enrollment. Once your DHMO coverage is effective, you can register for your myCigna.com account with a user ID and password of your choice, either online or using the MyCigna mobile app. Electronic cards will be accessible once you are logged into your MyCigna account. To receive services, please show your physical DHMO or digital ID card to your provider. 

Resources

• Oral Health Integration Program Flyer
• Dental Wellness Plus Progressive Max Info

Forms

• Cigna Dental Claim Form
• Oral Health Integration Program Registration Form

Cigna Dental Resources

• Cigna Dental Basic PPO Plan Summary
• Cigna Dental Plus PPO Plan Summary
• DHMO Patient Charge Schedule
• Dental Options Side-by-Side
• Dental Plan Comparison Guide
• Dental PPO (DPPO) Advantage Network Info
• DPPO How to Find a Dentist
• DHMO How to Find a Dentist