Co-author: 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. As for the dental insurance plans available, 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.
Let's consider the DHMO Cigna dental insurance for instance that can be used with any dental health provider in the network. There is no yearly maximum included, you have no deductible to meet, and claims do not require filing. As part of this plan you will have several regular checkups and cleanings include together with the services necessary for orthodontia and braces.
The PPO Cigna dental insurance on the other hand allows you to visit any doctor in or out of the network, and the costs of the interventions will be partly or fully reimbursed. You have to meet a deductible for this kind of plan and it also includes an yearly 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 choose the specialist he/she wants.
The problem here is the deductible and the fact that you may have to go through a waiting period before the coverage is possible. By far the superior alternative to all we've mentioned before is the Cigna Flex Advantage that allows one to switch between the other forms and plans on a monthly basis.
Discounts and savings do appeal to anyone and Cigna dental insurance brings this opportunity through a special saving program that gives you the chance to make an economy of up to 32% for a visit to any of the network participating dentists. This is not exactly an insurance plan and therefore, you won't have any trouble with deductibles, annual maximums and waiting periods.. Instead, you can enjoy the advantages of using a Cigna membership card that makes the discounts possible on the exact type of dental service that is necessary for your situation.
Let's consider the DHMO Cigna dental insurance for instance that can be used with any dental health provider in the network. There is no yearly maximum included, you have no deductible to meet, and claims do not require filing. As part of this plan you will have several regular checkups and cleanings include together with the services necessary for orthodontia and braces.
The PPO Cigna dental insurance on the other hand allows you to visit any doctor in or out of the network, and the costs of the interventions will be partly or fully reimbursed. You have to meet a deductible for this kind of plan and it also includes an yearly 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 choose the specialist he/she wants.
The problem here is the deductible and the fact that you may have to go through a waiting period before the coverage is possible. By far the superior alternative to all we've mentioned before is the Cigna Flex Advantage that allows one to switch between the other forms and plans on a monthly basis.
Discounts and savings do appeal to anyone and Cigna dental insurance brings this opportunity through a special saving program that gives you the chance to make an economy of up to 32% for a visit to any of the network participating dentists. This is not exactly an insurance plan and therefore, you won't have any trouble with deductibles, annual maximums and waiting periods.. Instead, you can enjoy the advantages of using a Cigna membership card that makes the discounts possible on the exact type of dental service that is necessary for your situation.
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