Dental Benefits

As an employer, you may offer any of three Cigna dental plans if you participate in the Medical Trust health plans.

All plans cover preventive care and three checkups a year at no cost to members when network providers are used. Cigna offers a choice of providers in their dental network of dentists, endodontists, pediatric dentists, periodontists, orthodontists, and other dental providers.

  Preventive Dental PPO Plan Basic Dental PPO Plan Dental & Orthodontia Plan
  DPPO Advantage DPPO and Out-of-Network DPPO Advantage DPPO and Out-of-Network DPPO Advantage DPPO and Out-of-Network
Deductible $0 person / $0 Per Family $0 person / $0 Per Family $0 person / $0 Per Family $50 per person / $150 Per Family $0 person / $0 Per Family $25 per person / $75 Per Family
Preventive and Diagnostic Services You pay $0 (not subject to annual deductible) You pay $0 (not subject to annual deductible) You pay $0 (not subject to annual deductible)
Basic Restorative Services You pay 20% coinsurance You pay 15% coinsurance You pay 15% coinsurance after deductible You pay 15% coinsurance You pay 15% coinsurance after deductible
Major Restorative Services You pay %99 coinsurance You pay 50% coinsurance You pay 50% coinsurance after deductible You pay 15% coinsurance You pay 15% coinsurance after deductible
Orthodontia Services Not covered. You pay 100% Not covered. You pay 100% You pay 50% coinsurance up to individual lifetime b3enefit limit of $1500 You pay 50% coinsurance up to individual lifetime benefit limit of $1500 after deductible

Please note: Preventive procedures are not subject to the annual out-of-pocket limit.

Cigna Dental Modernization

To ensure that members have high-quality, comprehensive dental benefits, the Medical Trust has reviewed and modernized its dental plan offering with Cigna.

Effective January 1, 2022, the Medical Trust’s Cigna Dental plans will include coverage for Exparel, a long-lasting, non-opioid pain management medication for patients having oral surgery. Unlike systemic medications, Exparel works directly at the surgical site to numb nerves that cause pain; it is not a narcotic, and it is not addictive.

In addition, the Medical Trust is reclassifying osseous surgery, currently considered a Major Restorative Service, as a Basic Restorative Service for all its Cigna Dental plan offerings. This means that the Medical Trust’s Cigna Dental plans will reimburse these services at a higher rate starting in 2022.

 

For information about the Dental Plans for 2022, see the plan Summaries of Benefits and Coverage:

For detailed descriptions of our three dental plans, download our Cigna Dental Handbook.

 

The Episcopal Church Medical Trust Disclaimer