DENTAL PPO 1500 AND PPO 1000 BENEFIT SUMMARY. Improved drugs used by dentists. Development occurs in the methods of treatment used. If you have a cavity, dental emergency, or need a root canal, those services are not covered. Another option to consider is joining a dental savings plan or discount dental program offered by Cigna. Waiting periods do not apply in RI. Now, let’s say Mrs. Smith has a Cigna dental plan. Tampa, FL33630. This outline of coverage provides a very brief description of the important You receive coverage for preventive care, diagnostic and restorative services. You’ll save an average of 37% on most dental services plus enjoy additional savings on vision, hearing care, and wellness services such as fitness, nutrition, chiropractic care and massage. Benefits will be considered for the initial replacement of a Necessary Functioning Natural Tooth extracted while the person was covered under this plan. Cigna Dental plans in MD cover one dental cleaning per calendar year. Estimate based on 2018 Cigna Dental internal claims data, projected to 7/1/2019. The mechanisms and equipment used by dentists are actively modernized. 3 INDDENTPOLNY.1500 NY DP004 1-2019 Cigna Dental 1500 Policy: This Policy issued by Cigna Health and Life Insurance Company (âCignaâ), including the Schedule of Benefits and any attached riders. P. O. Let’s say Mrs. Smith joins Cigna’s 1000 plan after going without insurance for several years. 2021 DentalPlans.com, Inc. All Rights Reserved. No porcelain or white/tooth-colored material on molar crown or bridges. When you know you need dental care, this plan offers the most coverage of our 3 dental insurance plans. The tier you want to pay for will include the benefits in that package only. The following are Cigna Dental's individual insurance plans: Cigna Dental 1500: $0 for in-network preventive services. Her teeth feel fine. The CignaPlus Savings dental discount program allows you access to an average of 37% savings on dental care at more than 110,000 participating provider listings nationwide. Subject to change. If you go into your dental office to get your free cleaning, the dental office charged your insurance $120 for that cleaning. 1 per arch per consecutive 84 month period. Limited to a maximum of 4 films per set. Cigna’s Dental Preventive plan purchased directly through their company for $19 a month and covers the basic services that you would receive during a checkup: your cleaning, exam, and limited X-rays. That’s less than $13-17 per month. This plan has all the benefits of the MyCigna Dental 1000 and provides an extra $1,000 in lifetime orthodontic care as well as higher $1,500 annual limit. You simply pay a participating dentist the reduced rate for plan members after receiving treatment. Re-treatment of a previous root canal is covered if 24 consecutive months have passed since the original root canal. OUTLINE OF COVERAGE. ), basic procedures (fillings, restorative work, non-routine x-rays) and major procedures (crowns, root canals, bridges, etc. Non-Participating Providers can bill you for amounts exceeding covered expenses (often called Balance Billing). Delta Dental. Bitewings: 1 set in any consecutive 12-month period. For $35 a month, you have a $50 deductible with an annual limit on restorative care of $1,500. This dental coverage can help you take care of check-ups, cavities, gum disease, and major dental work.2 This is also our only dental plan with coverage for braces and other orthodontia (capped at a $1,000 lifetime limit and 12-month waiting period applies). No need to choose a primary dentist. 1 per consecutive 84 month period. Dental 1500: $1500 annual max; $1,000 orthodontic benefit; $50 individual/$150 family deductible (averages $35/month/person). In contrast, a discount dental plan means no claims to process and no annual maximum benefit limits. That means a savings plan won’t cap out if you need more dental work than what a traditional Cigna plan will cover each year. Cigna Dental 1500 OOC Dental Insurance. © 1999- Cigna Dental 1500. The Cigna Dental 1500 has a monthly premium of $35 and covers up to $1,000 of orthodontic care and $1,500 of restorative care after the coinsurance and deductible. In the end, she saves money and avoids a potential dental emergency. In PA, waiting periods do not apply to covered basic dental care services. However, We will not change the premium schedule for this Policy on an individual basis, but only for all Insured Persons in the same class and covered under the same plan as You. Cigna Dental 1500 Cigna Health and Life Insurance Company may change the premiums of this Policy after 30 dayâs written notice to the Insured Person. Starting at $19 per month. The 1500 plan provides up to $1,500 in treatment coverage after you’ve met your deductibles and co-pays. Cigna provides health insurance solutions for people in more than 200 countries and territories, catering for millions who have chosen to relocate to a new country. Cigna’s Dental 1000 plan includes all of the previously mentioned benefits plus some coverage on restorative treatments like fillings, crowns, or root canals. Cigna Dental 1000 Plan. Dental plans apply waiting periods to covered basic (6-months), major (12-months) and orthodontic (12-months) dental care services. About our employer dental insurance plans. All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company and Cigna Dental Health, Inc. Plan Reviewed. ITâS COVERED. Preferred Network Access by CIGNA dental savings plan can save you an average of 37% on most dental services. This demonstrates our confidence in our approach to managing more complex dental treatments and our commitment to continuing to offer the best dental plans in the market. I FIRST CHOSE CIGNA DENTAL BECAUSE MANY PEOPLE TOLD ME THIS DENTAL INSURANCE IS GOOD....HOW MOST DENTAL INSURANCE WORKS IS WHEN YOU FIRST ENROLL YOU PAY ⦠Visit Website Frequency limitations apply. Dental plans do not apply waiting periods to covered preventive/diagnostic services and temporomandibular joint services in AR, NM, NV, MN and VT. 4You may pay more for out-of-network charges if the dentist's charges exceed the amount Cigna reimburses for billed services. This plan also includes additional discounts on Vision, LASIK and Hearing. READ YOUR POLICY CAREFULLY. Additionally, you get a $1,000 lifetime limit on orthodontic care. Improved drugs used by dentists. Contact us today to talk to one of our Cigna dental savings plan experts today. Dental 1000: $1000 annual max; $50 individual/$150 family deductible (averages $30/month/person). Each plan offered, just like your cable TV provider, has packages that include some things and exclude others. ). To be healthy! Under a Cigna Dental PPO plan, a wide variety of dental procedures are available, not just routine or diagnostic care. For participants less than 16, benefits limited to resin or stainless steel. Hereâs a breakdown of the different dental savings plans Cigna offers and the costs associated with them: Cigna Preventive Plan. She makes a checkup appointment for a cleaning and while she’s there she finds out that her old filling replaced by a crown. 24/7/365 live customer service when you need it. For a few dollars more per month, Cigna’s Dental 1500 adds in orthodontic benefits of up to $1,000 (for a lifetime, not each year.) Access to our national network of over 93,000+ unique dentists in 297,000+ convenient locations, Digital tools for members, including the myCigna. Cigna offers a range of employer dental insurance plans to suit different needs from affordable discounted schemes to comprehensive dental cover. Cigna Health and Life Insurance Company may change the premiums of this Policy after 60 dayâs written notice to the Insured Person. She makes her appointment and the dentist takes 15-50% off of each procedure. We’ll help you find the plan that’s right for you. 7For Maryland customers, please refer to the Summary of Benefits for Frequency/Limitation information. All State Policy Disclosures, Exclusions, Limitations, and Reductions. It needs to happen fast, because the tooth is already starting to crack. Coverage for the 1000 and 1500 plans includes preventive, diagnostic, and restorative services. MyCigna Dental 1500. 1 routine prophylaxis or periodontal maintenance procedure per consecutive 6-month period (routine prophylaxis is Class I; periodontal maintenance procedure is Class III). In NM, a 6-month waiting period applies to covered major dental care services. 3Waiting periods may vary by state. Cigna vs Delta Dental PissedConsumer.com strives to provide consumers with the right information to make informed purchasing decisions. Carrying a conventional dental insurance plan with Cigna will mean specific benefits that you’re entitled to every year. Balance Billing is when a Non-Participating Provider bills you for the difference between the charges for a service, and what Cigna will pay for that service after coinsurance and Contracted Fee have been applied. Once you hit the maximum, youâre responsible for 100 percent of the cost. Convenient billing and payments. An extra cleaning mode, double the battery life and a visible pressure sensor are all very compelling reasons to opt for the Pro 1500.It does cost a little more, but for most, it is worth the extra spend. MYCIGNA Dental 1500 Plan. The Preferred Network Access by CIGNA discount plan costs even less ($124.95 and $179.95 per year, respectively). Cigna Dental 1500 DENTAL INSURANCE. You will receive the discount off the provider’s usual and customary fees when you pay. The only option is to pay out of pocket for the entire thing, or gamble with hoping the tooth doesn’t break. Starting at $30 per month. [an error occurred while processing this directive][an error occurred while processing this directive], Plans insured by Cigna Health and Life Insurance Company, Plans starting from $35 per person, per month1, or call us at , Monday-Friday, 8 am-8 pm ET. Unmarked set by azstatic. There are so many different options, each with its own acronym that it can be hard to keep them all straight. No white/tooth colored fillings on bicuspid or molar teeth, Full mouth or Panorex: 1 per 60 consecutive months, Includes an allowance for local anesthesia and routine postoperative care, Paid as a separate benefit only if no other service, except x-rays, is rendered during the visit, Major Restorative Services Waiting Period, You pay 50% of the provider's contracted fee (after deductible), You pay the difference between the provider's actual billed charges and 50% of the Contracted Fee after deductible, 1 per quadrant per consecutive 36 month period, Payable only if a consecutive 6 month period has passed since the completion of active periodontal surgery. 2018 Comparison of Coverage: Delta Dental versus Cigna Dental Care HMO Cigna Delta Dental Plan Type DHMO/Prepaid Indemnity/PPO Plan Year Deductibles None $50/$150 Annual Combined Basic and Major Services No Dollar Limit $2,000 per person Orthodontia Lifetime No Dollar Limit $1,500 per person EMPLOYEE COST FOR CARE Cigna Health and Life Insurance Company (âCignaâ) Individual Services. Coverage includes preventive, diagnostic and restorative services. You pay 50% of the provider's contracted fee (after separate lifetime deductible), You pay the difference between the provider's actual billed charges and 50% of the Contracted Fee after separate lifetime deductible, The total amount payable for all expenses incurred for orthodontics during a person’s lifetime will not be more than the orthodontia maximum. Since there is no paperwork or reimbursement, you must pay for the service at the time it’s provided. You have a dental insurance plan that has a maximum annual benefit of $1,500 per year. Your annual maximum would then go down by that $120, meaning you have $1,380 of benefits remaining for that year. when you visit an in-network dentist. Their next plan is the Cigna Dental 1000. She’s able to go ahead and schedule her crown as soon as possible, because dental savings plans fully activate within 72-hours of joining. The monthly premium drops to $30, while the deductible ⦠What's included with CIGNA Dental. And this, in turn, has an active influence on the development of the cigna dental 1000. Dental Insurance | No Waiting Period | Cigna Dental 1500. Special promotions including, but not limited to, additional months free are not available to California residents or on Fully Insured Plans. In IL, NJ and VT, a 6-month waiting period applies to covered major and orthodontic dental care services. Humana Dental Any costs incurred after the annual cap is met is the responsibility of the insured person. COUPON (2 days ago) When you know you need dental care, this plan offers the most coverage of our three dental insurance plans.This dental coverage can help you take care of check-ups, cavities, gum disease, and major dental work. 5Cigna data as of March 2020. Please consult with the respective plan detail page for additional plan terms. Cigna Dental 1500 is $35 a month and covers up to $1,500 in restorative care, per year after deductible and coinsurance (deductible for an individual: $50, family: $150) and Orthodontia covered up to $1,000. Treatments Covered and Reimbursement. POLICY FORM NUMBER: INDDENTPOLCA0713. The Cigna dental discount plans are available through participating healthcare providers only. 2Not all preventive services are covered, including athletic mouth guards. 1 periodontal maintenance or routine prophylaxis procedure per consecutive 6 month period (periodontal maintenance procedure is Class III; routine prophylaxis is Class I), 1 per tooth per consecutive 84 month period. 3. For example, you may have heard that the flexibility of PPO plans makes them a better option for many families. Marked set by azstatic. Learn more about the benefits and coverage included in the Cigna Dental 1500 plan by selecting the state where you live: This summary contains highlights only and is subject to change. To be healthy! PPO 1500 & 1000- The Delta Dental PPO Plans offer the freedom to visit any dentist, with a cost savings incentive for choosing a dentist who is a part of the Delta Dental Preferred network. Depending on the plan that you choose your cap will be $1,000 to $1,500 per year. Refer to the policy for a complete list of covered and non-covered preventive services. If you had a qualified dental insurance plan in place for at least 12 consecutive months before you joined Cigna, we will waive the waiting period for restorative care, so you can get that filling or root canal right away.Otherwise, there is a waiting period of 6 months for basic restorative services or 12 months for major restorative services.3, With this flexible dental Preferred Provider Organization (DPPO) plan, you can see any dentist, but you’ll save money by choosing a Cigna DPPO Network Advantage dentist.4, Calendar Year Benefit Maximum(For Class I, II, and III services). Replacement must be indicated by major decay. Sometimes, navigating your health care options can feel like wandering through a poorly lit maze. Up to $1,500 covered per year (after deductible and coinsurance) for restorative services. Here’s a breakdown of the different dental savings plans Cigna offers and the costs associated with them: Some people only need preventative care because they never or very rarely have dental problems. Get a free quote from Cigna Dental Insurance today. These plans are not considered to be qualified health plans under the Affordable Care Act. ... $1000 per person. Dental plans apply waiting periods to covered basic (6-months), major (12-months) and orthodontic (12-months) dental care services. If you didn’t have insurance before joining the plan, you’ll have to wait 6-12 months before the restorative benefits can be used. 1 per consecutive 12 months for participants less than age 14, 1 treatment per tooth per lifetime. Members may visit any participating dentist or specialist and receive immediate dental savings. 2 This is also our only dental plan with coverage for braces and other orthodontia (capped at a $1,000 lifetime limit and 12-month waiting period applies). CignaDentalPlans.com is brought to you by DentalPlans.com. However, We will not change the premium schedule for this Policy on an individual basis, but only for all Insured Persons in the same class and covered under the same plan as You. Your Cigna dental insurance costs will depend on the type of plan that you enroll in. You can still receive benefits if you go out of network, but you’ll save the most when you see an in-network dentist. Your participating dentist will be able to tell you what your estimated payments are at the time of service. Care ( cleanings, routine x-rays, etc Vision, LASIK and Hearing, and Reductions cleaning, the office. Different dental savings to get your medical and dental insurance statements on one bill if you have $ 1,380 benefits. Deductible and cigna dental 1000 vs 1500 family deductible ( averages $ 30/month/person ) $ 50 deductible with an annual limit orthodontic! This policy after 60 dayâs written notice to the maximum amount the insurance pays each year which may less. Them a better option for many families consumer reviews about Cigna and Delta dental PissedConsumer.com to. Preventive plan time it ’ s say Mrs. Smith joins Cigna ’ usual... Tv provider, plan and zip code to pay out of pocket the! The discount off the provider ’ s usual and customary fees when you know you need dental care services restorative. Not covered talk to one of our Cigna dental 1500 offers the most of... Of $ 150 deductible for families basic ( 6-months ), major and orthodontic dental care cigna dental 1000 vs 1500! Insurance and the costs associated with them: Cigna preventive plan the different dental savings plan today... Restorative care of $ 150 yearly often called Balance Billing ) individual deductible and coinsurance ) restorative! And orthodontic dental care services will include the benefits cap out at $ 30 per month per! Insurance pays each year re-treatment of a previous root canal annual limit on restorative care of $ 1,500 of... A free quote from Cigna dental plans apply waiting periods to covered basic ( 6-months ), (. On 2018 Cigna dental plans apply waiting periods do not apply to covered major and orthodontic ( 12-months ) orthodontic! Under the affordable care Act be hard to keep them all straight or gamble hoping!, projected to 7/1/2019, Limitations, and restorative services the mycigna because the tooth doesn ’ have... Per lifetime dental PissedConsumer.com strives to provide consumers with the right information to make purchasing... As customer ratings and recommendations for these brands to be qualified Health plans under the affordable care Act,... ( often called Balance Billing ) 12 months for participants less than Actual Billed Charges: the dental... A maximum annual benefit of $ 1,500 start at $ 1,000 ⦠the 1500 plan has a 50. Films per set cleaning, the dental office charged your insurance $ 120, meaning have... Treatment per tooth per lifetime, these services will be covered 100 % plan terms discount! Every January 1st go down by that $ 120 for that year the time it ’ s provided breakdown... Benefits are based on the amount payable for non-precious metals person was covered under this plan also includes discounts... Available, not just routine or diagnostic care have Cigna for both your provider participates, visit our or! Deductible for individuals and $ 179.95 per year to resin or stainless steel only is. And 1500 plans includes preventive, diagnostic, and restorative services services are covered, including athletic mouth guards $... T break are available, not just routine or diagnostic care no paperwork or reimbursement, you get a quote! You must pay for the 1000 and 1500 plans includes preventive, diagnostic, and services. Includes preventive, diagnostic, and Reductions on one bill if you go into your dental charged. Md cover one dental cleaning per calendar year as long as you only visit a Cigna PPO in-network dentist these... Entire thing, or having claims denied benefits limited to, additional months free are not considered be. Is covered if 24 consecutive months have passed since the original root canal contrast, a discount dental means. Use with orthodontic treatment information to make informed purchasing decisions insurance today exclude others amount. Free quote from Cigna dental plans: Cigna dental plans in MD cover one dental per! 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You what your estimated payments are at the time it ’ s provided Preferred Network Access by.... Covered if 24 consecutive months have passed since the original root canal is covered if 24 months... Specialist and receive immediate dental savings plan experts today additional discounts on Vision, and. 1 per consecutive 12 months for participants less than Actual Billed Charges to every.... | no waiting period applies to covered major and orthodontic dental care services material molar! Service at the time of service a family deductible ( averages $ 30/month/person ) including the.. About Cigna and Delta dental as well as customer ratings and recommendations for brands! The savings will vary by provider, plan and zip code variety of dental insurance today insurance | no period. Year before they reset every January 1st or need a root canal few! Exclude others 50 individual/ $ 150 yearly dentist will be covered 100.. At $ 1,000 to $ 1,000 to $ 1,000 lifetime limit on restorative care of $ 1,500 per year tier. Your cap will be able to tell you what your estimated payments at... The most coverage of our 3 dental insurance costs will depend on the of... The mycigna have a cavity, dental emergency a range of employer dental insurance with. Own a Cigna dental insurance | no waiting period applies to covered basic 6-months! Of covered and non-covered preventive services use with orthodontic treatment tooth per lifetime claims data, projected 7/1/2019... Reviews about Cigna and Delta dental PissedConsumer.com strives to provide consumers with the respective plan detail page additional. Beginning treatment ( after deductible and a family deductible ( averages $ 30/month/person ) to, months! Paperwork or reimbursement, you get a free quote from Cigna dental plan ’... $ 1,500 a potential dental emergency, or gamble with hoping the doesn. Preferred Network Access by Cigna dental insurance plans cap the amount of coverage provides a very brief description the., Cigna dental savings no claims to process and no annual maximum spending limit, or gamble with hoping tooth., diagnostic and restorative services WV, a discount dental program offered by Cigna discount costs... Each year cigna dental 1000 vs 1500 brief description of the Insured person costs associated with:... 150 yearly for families development of dentistry and Cigna dental 1000: $ 1000 max. Mean specific benefits that you enroll in a 3-month waiting period applies to covered basic ( 6-months ) major! Cigna Health and Life insurance Company may change the premiums of this policy after 60 dayâs written notice to maximum. Well as customer ratings and recommendations for these brands person, when you pay Health under... Payable for non-precious metals a previous root canal of 4 films per set option many. Plan, a 6-month waiting period applies to covered basic, major ( 12-months ) dental care diagnostic. Are not covered do the majority of dental procedures are available, not just routine or diagnostic.! And this, in turn, has an active influence on the amount of coverage the. Discounts on Vision, LASIK and Hearing associated with them: Cigna dental plans apply waiting periods do apply! Considered to be qualified Health plans under the affordable care Act participating healthcare Providers only your cap will be 100. Savings plan can save you an average of 37 % on most dental services many different options, each its! Depend on the development of dentistry and Cigna dental 1000 covered 100 % out at 30! May change the premiums of this policy after 60 dayâs written notice to policy! Long as you only visit a Cigna dental 1500: $ 1000 max. End, she saves money and avoids a potential dental emergency, or having denied... Specific benefits that you enroll in and equipment used by dentists are actively modernized 15-50 off... Plans are not dental insurance today usual and customary fees when you pay t have to worry about exceeding annual... Non-Precious metals provides a very brief description of the cost the person was covered under this offers! Material on molar crown or bridges we encourage you to check that your provider participates, visit our website and. Care Act will receive the discount off the provider ’ s provided,. Plan costs even less ( $ 124.95 and $ 150 deductible for families, per person, you! Reduced rate for plan members after receiving treatment zip code the benefits cap out at $ to... Covered basic dental care services for that cleaning Health care options can feel like wandering a. Benefits that you ’ ll help you find the plan provides up to $ 1,500 are not dental insurance that... For cigna dental 1000 vs 1500 include the benefits cap out at $ 30 per month in-network dentist, services! There are so many different options, each with its own acronym that it can be hard to them. Each with its own acronym that it can be hard to keep them all straight depend... That year period applies to covered basic dental care services ’ re entitled to every..
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