Cigna Dentist – Richardson, TX

Cigna Coverage Availability & Fees

Your Cigna Healthcare Dental Insurance plan was designed to save you money on important oral healthcare treatments like routine checkups and cleanings, X-rays, fluoride, and even restorations like fillings, dental crowns, and dentures. However, it is important to understand that coverage can vary from plan to plan, even if your friends or neighbors have Cigna.

In most cases, dental insurance follows what is known as a 100-80-50 structure, which categorizes coverage as follows:

• 100% of the cost for two checkups & cleanings each year.
• 80% of the cost for what is considered a “minor” procedure.
• 50% of the cost for what is considered a “major” procedure.

Please note that different providers may consider different procedures “major” and “minor” so be sure to check what your dentist offers against the details of your plan before proceeding with any treatment.

With Cigna Healthcare Dental Insurance, PPO plans can be used with both in-network and out-of-network dentists, but in most cases, you’ll save more money when you select a Cigna Healthcare Dental Insurance dentist in Richardson who is in-network.

One of the main benefits of PPO plans is that although their premiums tend to be a bit higher, they generally have more favorable terms. While all plans vary, the majority of PPO’s include the following or similar terms and conditions:

• A deductible, which is the amount of money you must pay “out-of-pocket” before your full coverage becomes available. Please note that your regular checkups and cleanings don’t usually count towards your deductible.
• An annual maximum, which is a specific dollar amount representing the most coverage Cigna will allow within a 12-month period.
• A waiting period, which is the amount of time it could take for your Cigna Healthcare Dental Insurance plan to become fully available and is generally one to two weeks from your enrollment date (and in most cases does not include exams and cleanings).

For HMO plans, you are required to see an “in-network” dentist and will only receive coverage when you do. You may also need to select a “primary care” dentist. Generally speaking, however, HMO plans tend to have lower premiums, lower copays, no deductible, and no annual maximum, and are often an excellent choice for patients who aren’t anticipating any major dental procedures.

The Benefits of Seeing an In-Network Dentist

There are many incredible benefits to visiting a Cigna Healthcare Dental Insurance dentist in Richardson. At Jupiter Family Dental of Richardson, we are pleased to help our PPO patients navigate the terms of their coverage, so they always understand what they’re paying and why. We’re also happy to file your claims on your behalf, saving you time dealing with paperwork. Furthermore, because we’re in-network with Cigna, we can assure you that you’re receiving the maximum coverage provided by your PPO plan, and if you contact us prior to your appointment, we’ll be happy to give you a more detailed look at what you can expect to pay for your care.