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 dental cleanings 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
Annual Benefit Limit	$1,500 per person		$2,000 per person		$2,000 per person
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 benefit limit of $1,500	You pay 50% coinsurance up to individual lifetime benefit limit of $1,500 after deductible

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

For information about the Dental Plans for 2023, see the plan Summaries of Benefits and Coverage:

• Preventive Dental PPO
• Basic Dental PPO
• Dental & Orthodontia PPO

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

 

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