CIGNA Dental Insurance – An Honest Review
CIGNA Dental Insurance is available in six different levels of coverage. Depending on what your employer offers you can choose from a plan that reimburses you a portion of your dental costs to an all inclusive plan that does not even have a deductible. These dental plans are offered in addition to CIGNA healthcare plans and are currently only available through an employer sponsored plan. To receive this benefit you must contact your human resource department to request this type of coverage.
The best plan offered by CIGNA dental insurance is the DHMO plan. With this plan you choose a dentist from their network of providers and use them exclusively for your dental work. There are no deductions and no yearly maximum for services. Most of the preventive services do not have co-pays and referrals are not necessary for orthodontic care. You will receive two yearly visits and cleanings, x-rays and pediatric dental services for no extra cost. Enrollee’s will also receive a membership into CIGNA Healthy Rewards program. This program will save members up to 65% off of other non traditional health services such as acupuncture and weight management programs.
CIGNA dental insurance also offers a dental savings plan for those who do not have full dental coverage. The CIGNA Plus Savings Plan is not insurance coverage but rather a membership in a savings plan. By providing your membership card to any of the 76,000 registered dentists on the plan you will enjoy deep discounts on all your dental work. These discounts are pre negotiated through CIGNA and can save the individual a considerable sum over a short period of time. Since this is a savings plan there are no insurance forms to fill out or deductibles to pay. You also do not have to worry about preexisting conditions, frequency of visits or a maximum amount of benefits for the year.