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Dental

Our Cigna Dental Plan covers the basics, as well as everything from fluoride applications to orthodontics.

What it Covers
Here’s a sense of what’s covered. For a complete list, refer to the plan details. Also, check out our 2017 premiums.
  • Preventive and diagnostic care: Oral exams, routine cleanings, full mouth X-rays, fluoride applications, and sealants. These important services, and many more, are 100% covered by the plan even before you meet your deductible.
  • Basic restorative care: Fillings, root canal therapy, surgery (simple and surgical extractions), and repairs to bridges, crowns, and inlays.
  • Major restorative care: Crowns, dentures, and bridges.
  • Orthodontics: Orthodontics for adults and children.

Enrollment Tip! 
Enrolling in a medical plan does not automatically enroll you in the dental plan. You can enroll any eligible dependents in your dental plan, whether or not they are enrolled in your medical or vision plan.


How it Works
Our dental plan works similarly to our PPO medical plans:
  • Preventive and diagnostic care is 100% covered by the plan.
  • You pay out of your own pocket for additional care until you meet the annual deductible.
  • Once you meet your deductible, the plan shares the cost with you and picks up a higher percentage of the cost when you get treatment in-network.
  • The annual maximum the plan will pay in covered services in 2017 is $2,000 per person. 
  • The lifetime maximum orthodontic benefit in 2017 is $2,000 per person. (This is separate from the annual maximum mentioned above.) You’ll pay out of pocket for services above this limit.
Look for complete information about what each plan covers in its summary plan description. We’ll be honest—the information in these documents is dense and sometimes difficult to understand. Contact Employee Services or call your plan’s customer service representative for help deciphering.

Savings Tips!
  • Find an in-network provider. To see if your dentist is in the Cigna dental network or to find one who is, use the provider lookup on mycigna.com.
  • Get a predetermination first. The best way to make sure our plan covers a recommended procedure is to get a predetermination—a no-cost service that reviews whether a service is covered and how much you’ll pay out of pocket for it. Your dentist can submit a predetermination form to Cigna for you.