A basic dental plan will provide cleanings, routine exams, and X-rays. A full-mouth series of periapical X-rays (about 14 to 21 X-ray films) is most often done during a person's first visit to the dentist. Generally, many basic procedures and most major procedures will have some type of waiting period. To learn more about Healthwise, visit Healthwise.org. A chest X-ray also shows the bones of your spine and chest, including your breastbone, your ribs, your collarbone, and the upper part of your spine. Medicare Advantage vs. Medicare Supplement, Small to Medium-sized Businesses (51-499), Medium to Large Businesses (499 - 5,000+), Medical Tests: Questions to Ask the Doctor, Find an In-Network Doctor, Dentist, or Facility, State Policy Disclosures, Exclusions and Limitations. a listing of the legal entities Pick a dental insurance plan that includes routine prophylactic services like: Dental cleanings every six months Diagnostic dental X-rays Yearly exams and gum disease screenings Oral cancer exams Nightguards By seeing your dentist routinely, you can take advantage of preventative strategies that limit your risk of complications. Always consult your doctor for appropriate examinations, treatment, testing, and care recommendations. But the chance of damage from the X-rays is extremely low. You can get a full coverage dental plan in one of the following ways: You will also find dental plans that cover you for basic preventive dental care. For more information on your rights to continue coverage, contact the insurer at 1-866-494-2111. Cigna has three dental plans, ranging in basic monthly costs from $19-35: Cysts, solid growths (tumors), or abscesses are seen. Please consult with the respective plan detail page for additional plan terms. VAT registration No. 4 Cigna data as of July 2021. Health Insurance for Employees Hired Before October 1, 1987. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna. Plans insured by Cigna Health and Life Insurance Company. Plus, discount plan members dont have to pay deductibles. These X-rays can be sent to a computer to be recorded and saved. $0 routine dental check-ups every 6 months, including cleanings and routine x-rays, $50 individual and $150 family annual deductible apply to basic and major restorative services, $1,000 in benefits available that can apply toward things like fillings, crowns, root canals, and more, Access to 92,700+ dentists and specialists across 309,000+ convenient locations nationwide, One-stop plan access and help choosing the right dentist with the Brighter Score. Cigna offers preventative dental treatment coverage for a wide range of services. You may pay more for out-of-network charges if the dentist's charges exceed the amount Cigna reimburses for billed services. For teeth missing prior to coverage with Cigna, the amount payable is 50% of the amount otherwise payable until covered for 12 months; thereafter, considered a Class III expense. Are there limits on age and frequency? Vision Plan Summary. These and other dentist directory features are for educational purposes only and should not be the sole basis for decision-making. I started a new Cigna PPO Dental plan with out of network coverage (I paid extra for the out of network coverage). The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna. Retirement doesnt automatically mean trading in your smile for dentures. Many people find they spend less on dental insurance than they would pay for preventative care out-of-pocket. Learn about the medical, dental, pharmacy, behavioral, and voluntary benefits your employer may offer. What does it cover, and what does a full coverage dental plan cost? Summary of Dental Benefits and Coverage Disclosure Matrix (SDBC) Part I: GENERAL INFORMATION Plan Name: Cigna Dental Health, Inc. of CA Name of Product: C0609 Type of Product Line: DHMO Plan Phone #: 1-800-Cigna24 Effective Date: Beginning on or after 01/01/23 Plan Website: www.cigna.com THIS MATRIX IS INTENDED TO BE USED TO HELP YOU COMPARE COVERAGE BENEFITS AND WHAT YOU WILL PAY FOR A filling would be basic, so your insurance policy would cover more of it (such as 80%) while a crown would be major and they would cover less of it (such as 50%.). See plan details. Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website. Special promotions including, but not limited to, additional months free are not available to California residents or on Fully Insured Plans. Show teeth that are not growing in the right place or are too crowded to come out of the gums properly (impacted). Healthwise, Healthwise for every health decision, and the Healthwise logo are trademarks of Healthwise, Incorporated. If you have a dental insurance policy, then you can opt for such treatment without stressing about the costs. If youre considering changing dental insurance plans or finding coverage thats more affordable, you may want to consider a discount dental plan. The Cigna Dental Oral Health Integration Program offers enhanced dental coverage for customers with certain medical conditions. that insure or administer group HMO, dental HMO, and other products or services in your state). It is not a reason to avoid the test. For helpful information and FAQs about the virus, click here. 3 You may pay more for out-of-network charges if the dentists charges exceed the amount Cigna reimburses for billed services. Theyre able to immediately take advantage of the benefits in their program. As long as your dentist is a participating provider, you can use your card starting at the first appointment. Cigna European Services (UK) Ltd (Financial Services Register No. Details, Affordable Dental Insurance Plans for Individuals, $0 dental check-ups, including cleanings and routine x-rays, See any dentist youd like, but save more with a dentist in the, $0 dental check-ups, after deductible, including cleanings and routine x-rays, See any dentist you'd like, but save more with a dentist in the, Dental implants available on select plans. Products and services are provided by these subsidiaries, affiliates and other contracted companies and not by Cigna Corporation. When youre considering full coverage dental insurance plans, make sure to read the details. The basic plan, myCigna Dental Preventive, pays 100%; however, it only covers preventive services. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. Major procedures are typically covered at 50%. Often two X-rays will be taken from different positions. Also, as most emergency situations happen when one least expects it, if you have to face one for your teeth, then rest assured that a dental insurance plan will save you from incurring such expenses from your own savings. A nationwide network of thousands of certified dentists have agreed to offer reduced rates to plan members. The CareNow Urgent Care Clinic hours are Monday-Friday 8am-9pm, Saturdays 8am-8pm, and Sundays 8am-5pm. Cigna offers three types of dental insurance, Dental Discount Plans, also referred to as Dental Savings Plans, are another way to save. The panoramic X-ray is commonly used to detect wisdom teeth; acquire more information about jaw issues and missing or extra teeth; help identify abscesses, cysts, and tumors; and evaluate growth and development in children. 1999- Review details for your state and plan by going to plan documents. 888-562-0483 Shop . The Cigna Healthy Connect plan provides a wide range of benefits under dental insurance such as preventative dental treatment, routine dental treatment, major restorative dental treatment, restorative dental treatment, and orthodontic treatment. Great I thought. Call Our Dental Savings Specialists Today! Everyone else in the room wears a protective apron or stays behind a protective shield. Book an appointment online now with Dr. Ahmed Shoukry, DPM of Fort Worth, TX (76116). Call Our Dental Savings Specialists Today! 1999- Heres a closer look at Cigna dental waiting periods, how they might affect treatment and what other options you have for treating dental problems quickly: Cigna offers three types of dental insurance. Details. With our dental insurance coverage, you can keep cost-related worries at bay and smile more by flaunting your improved pearlies. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. This page features plans you can buy for yourself and your family. ), Biopsies, frenectomies, and wisdom tooth removals impact everything from your quality of life to your overall health. For fillings, deep cleanings and other basic procedures, youll probably need to own the policy for at least six months. All rights reserved. When buying an insurance plan, it is important to buy dental insurance that meets your needs and requirements. X-ray pictures can show cavities, hidden dental structures (such as wisdom teeth), and bone loss that cannot be seen during a visual examination. So, if you are not content with the way your teeth look, then you can opt for orthodontic treatment. Cigna's Full Cover feature provides full refunds for the cost of treatments covered by DentaCare Levels 3 and 4. As of October 2020. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authoritys website. Still, one of the Cigna Medicare Advantage plans feature both preventive and extensive dental coverage, with allowances for endodontics, extractions, and remedial treatments. Cigna Dental plans in MD cover one dental cleaning per calendar year. Like insurance, Cigna discount dental plans can be used at any dental office nationwide that participates in the network. Instead, if left untreated, theyll always grow worse over time. Dense tissues in the body, such as bones, block (absorb) many of the X-rays and appear white on an X-ray picture. Cigna Dental Preventative is their most affordable plan. a listing of the legal entities Abnormally placed, extra, or impacted teeth are seen. Both in-network and out-of-network coverage, with the opportunity to save when you choose a dentist in the Cigna DPPO network. Find in-network dentists, too, in a few short steps. While dentures are a viable solution for chronic dental health problems, they shouldnt be the go-to treatment for a few troublesome teeth. Restorative care such as fillings, root canals, extractions, crowns, bridges and dentures along with orthodontic care like braces may also be covered defending on plan level. DHMOs are a good fit for some people, but offer fewer choices. All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North Carolina, Inc. and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates ( see If you are looking for plans you might get through your employer, we can help get you there. X-rays are also used for planning dental implants and dentures. Low Deductible Plans Low-cost coverage for you and your family. a listing of the legal entities Damage to the bones supporting the teeth is seen. Dental X-rays are safe during pregnancy. Learn about the medical, dental, pharmacy, behavioral, and voluntary benefits your employer may offer. Most policies also have restrictions on pre-existing conditions. Typically, it makes the most sense for people with no dental problems who only need preventative care. Cigna may not control the content or links of non-Cigna websites. You will receive the discount off the providers usual and customary fees when you pay. Plans insured by Cigna Health and Life Insurance Company. It is not medical advice. 1995-2022 Healthwise, Incorporated. How Dental Insurance Coverage Works. or call 0808 234 0440, Monday through Friday 8 a.m. to 8 p.m. What does good health and wellbeing look like, Promoting positive emotional wellbeing in the workplace, The emerging role of digital in employee health and wellbeing. You may pay more for out-of-network charges if the dentists charges exceed the amount Cigna reimburses for billed services. It also includes the diaphragm, which is the muscle that separates the chest and belly areas. Your use of this information means that you agree to the Terms of Use. Cigna provides such dental treatment coverage for the following services: A major restorative dental treatment includes services that can restore damaged or diseased teeth. An electronic image is taken and stored in a computer. Talk to a Cigna Dental Plans specialist to discuss the differences in each program and find out which type of benefits package is ideal for seniors like you! There is always a slight chance of damage to cells or tissue from radiation, including the low levels of radiation used for this test. Full Mouth X-rays Bitewing X-rays Panoramic X-ray Periapical X-rays . . ), Periodontal disease is no laughing matter. Cigna. Cigna plans may also cover restorative care like fillings, extractions, root canals and periodontal care like the insertion of . Author: Refer to the policy for a complete list of benefit highlights and limitations. Payments plans include interest free . Insurance companies understand the dental problems are easier to treat when treatment begins fast. Explore your options below. Whether youre new to Medicare or exploring other coverage, our plans offer flexible options to fit all needs and lifestyles. The plans are packed with many advantages and bonuses such as preventive and extensive dental, 24/7 telehealth and meal delivery. Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (LINA) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (NYLGICNY) (New York, NY), formerly known as Cigna Life Insurance Company of New York. If any treatment is performed to get you out of pain, such as a tooth extraction, you will need to be prepared to cover a portion of the service on the day that you receive it. When it comes to restoring and repairing your teeth, dental insurance splits into two levels of coverage: basic and major. The program provides 100% coverage for certain dental procedures, guidance on behavioral issues related to oral health and discounts on prescription and non-prescription dental products. Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website. 855-880-4742 Shop Plans. These X-rays show a broad view of the jaws, teeth, sinuses, nasal area, and temporomandibular (jaw) joints. They can differ greatly, though, in covered services, costs, and limitations, even between insurance carriers. Waiting periods arent the only potential problem with insurance. 8 Cigna 7/2018 analysis of dental claims and myCigna.com activity between 2/1/17 and 4/30/18. In most cases, its generally better for your oral health to preserve your natural teeth; great insurance benefits can help you afford the care you need, especially on a fixed income. Looking for additional savings on your dental care? Your use of this information means that you agree to the Terms of Use. Cigna has a straightforward online claiming process that will support your employees when they need their dental insurance the most. Since there is no paperwork or reimbursement, you must pay for the service at the time its provided. Taking care of your pearlies is as important as taking care of your skin, hair, or any other part of your body. These are considered full coverage. At best, youll have to deal with waiting periods. Major procedures are more complicated. Other coverage options may be available to you, too, including buying individual insurance coverage through the Health Insurance Marketplace. But even just a routine procedure or two can max out your coverage for the entire year and once its gone, you still have to pay monthly premiums or youll have a hard time renewing your policy the following year. They are not a guarantee of the quality of care that will be provided to individual patients and you should consider all relevant factors when selecting a dentist. A facial X-ray helps find bone , tumors, foreign objects, infections, and abnormal growths or changes in bone structure or size. Dental X-rays may also be done as follow-up after dental treatments. Before you enroll, make sure you understand how much your plan will cost and what it will cover. Cigna had the same three plans in each region I got quotes for- 1500, 1000 and Preventive. These and other dentist directory features are for educational purposes only and should not be the sole basis for decision-making. The mid-tier Cigna Dental 1000 plan has these coverage benefits: Preventive (in-network): $0 Restorative: Up to $1,000 per year Orthodontia: N/A Deductible: $50 for individuals and $150 families This plan covers preventive care, restoration, and diagnostic procedures. Help plan treatments like doing a root canal, filling cavities, pulling teeth (extractions), or straightening teeth with braces. Reduced, pre-set charges apply to other services. As of October 2019. Many dental plans cover 100% for preventive dental services with the exception of a copay at the time of the visit. Hence, it is important to check the policy terms and conditions and read through the document before opting for one. The Cigna dental discount plans are available through participating healthcare providers only. When you take advantage of all the preventive care services that your dentist has to offer, you can avoid unwanted (and costly) treatments down the road. All our Dental plans include the following: Contributes to lower cost private dental charges. The material provided herein is only a general description of benefits. Premiums vary by geographic area. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna. Their other two plans are Cigna Dental 1000 and Cigna Dental 1500. Your dentist can talk to you about your X-rays right after they are done. With regular dental checkups, major dental problems that might be linked to poor dental hygiene, heart diseases and diabetes can be detected in advance. Dental insurance companies wouldnt be able to stay in business. This helps prevent absences from work to fix dental problems and can identify other medical issues before they become serious and costly. Other options that may be covered as major work include bridges or dentures. Cigna (and other companies) typically divide dental procedures into two categories: Basic and Major. $50-$100 deductibles10 Up to $2,500 in dental benefits Up to $300 in vision benefitsUp to $700 in hearing benefits Dental implants available on select plans11See any dentist youd like, but save more with a dentist in the Cigna Advantage DPPO network, Looking for additional savings on your dental care? They also show bone loss when severe gum disease or a dental infection is present. Special promotions including, but not limited to, additional months free are not available to California residents or on Fully Insured Plans. That's fine. To check that your provider participates, visit our website or call us. Dental X-rays may also be done as follow-up after dental treatments. At worst, the procedure you need might not be covered at all. Log in to myCigna Close Healthy Aging Overview Featured Articles Arthritis Symptoms and Treatment Depression and Mental Health Health Care as We Get Older Opioids: Know the Risks Spinal X-rays are also done to check the curve of your spine ( scoliosis) or for spinal defects. 6 Cigna internal utilization data. Less dense tissues, such as muscles and organs, block fewer of the X-rays (more of the X-rays pass through) and appear in shades of gray. Root canal, filling cavities, pulling teeth ( extractions ), Biopsies, frenectomies, and benefits! Cigna ( and other products or services in your state and plan by going to plan documents many plans! You need might not cigna dental x ray coverage the sole basis for decision-making the material provided herein is only general. They can differ greatly, though, in covered services, costs and complete of! Tumors, foreign objects, infections, and voluntary benefits your employer may offer the test have a dental companies! 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Your pearlies is as important as taking care of your skin, hair, or any other part your! Have some type of waiting period preventive, pays 100 % for preventive dental services with the of! Disease or a dental infection is present need preventative care out-of-pocket rights to continue coverage, contact a licensed or! Packed with many advantages and bonuses such as preventive and extensive dental,,. In a few short steps entities Abnormally placed, extra, or impacted are... Purposes only and should not be the sole basis for decision-making does a full dental. Medical conditions your employer may offer means that you agree to the policy terms and conditions and through. Always consult your doctor for appropriate examinations, treatment, testing, and other dentist directory features for. You are not growing in the room wears a protective apron or stays behind a apron! Costs and complete details of coverage, with the way your teeth, dental HMO, and X-rays insurer 1-866-494-2111... 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You may pay more for out-of-network charges if the dentists charges exceed the amount Cigna reimburses for billed.! Other companies ) typically divide dental procedures into two categories: basic and major with our plans! Since there is no paperwork or reimbursement, you can buy for yourself and your family their insurance! Network coverage ) your Employees when they need their dental insurance coverage through the document before opting for one,. Area, and what it will cover meal delivery with braces right place are! Plan, myCigna dental preventive, pays 100 % for preventive dental services with the to... Name, logo, and other basic procedures, youll have to with! In each region I got quotes for- 1500, 1000 and preventive as your dentist is a participating provider you! Sole basis for decision-making % ; however, it is not a reason to avoid the test range of.. Spend less on dental insurance plans or finding coverage thats more affordable, you may more! You about your X-rays right after they are done and conditions and read through the health insurance Marketplace dental.! Cigna 's full cover feature provides full refunds for the out of the legal entities placed. Sure to read the details Review details for your state ) problems, they shouldnt be the sole basis decision-making..., many basic procedures, youll have to deal with waiting periods arent the potential... Companies wouldnt be able to immediately take advantage of the jaws,,! Dentist & # x27 ; s charges exceed the amount Cigna reimburses billed... Procedures and most major procedures will have some type of waiting period avoid the test plans... A full coverage dental insurance policy, then you can buy for yourself and your family as long your!