Dental Benefits

Medicare-eligible retirees and their eligible spouses may choose from three dental plans.

Dental benefits are not included in Medicare or our Group Medicare Advantage plan and must be purchased separately.

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
per personPreventive 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 $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.

Early retirees may choose to enroll in a dental plan if offered through their former employer.

For information about 2023 Dental Plans, see the plan summaries:

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

For detailed plan descriptions, download the Cigna Dental Handbook.

 

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