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 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 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.
Cigna Dental Modernization
The Episcopal Church Medical Trust (Medical Trust) has reviewed and modernized its Cigna dental plan offering to ensure that members have high quality and comprehensive dental benefits.
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 2022 Dental Plans, see the plan summaries:
For detailed plan descriptions, download the Cigna Dental Handbook.