Cigna Dental Insurance Review – What’s the Deal?
In today’s digital world, almost everyone has access to a smartphone. Individuals who don’t have smartphones can still connect to the world via apps. One of these apps is Cigna Dental Insurance. The Cigna Dental Insurance plan is an essential component of your healthcare insurance strategy. It covers you and your family against the costs of dental care, including checkups, cleanings, and fillings. Because it is so important, this article examines Cigna Dental Insurance in detail to help you make an informed decision about whether it’s right for you.
What is Cigna Dental Insurance?
A dental plan provides coverage for checkups, cleanings, and dental procedures, including crowns, fillings, and root canals. The key difference between a dental plan and standard healthcare coverage is that dental treatments are typically much more expensive. Most dental plans will cover preventive services, but they may not cover things like surgeries and other expensive procedures that may be covered under standard healthcare. Cigna’s dental plan is one of the most comprehensive plans available. It covers everything from preventative services, cleanings, and exams to crowns, dentures, root canals, and surgeries. Cigna’s dental coverage is generally considered to be among the most comprehensive available.
How Does Cigna Dental Insurance Work?
The key benefit of Cigna Dental Insurance is the protection it provides against the high cost of dental care. If you need a cleaning or dental exam, or you have a cavity or tooth problem, Cigna Dental Insurance will cover the cost. It works much like any other form of insurance. When you have a dental procedure covered by Cigna, your plan will usually reimburse you in a set amount, usually between 60% and 90% of the cost. You may have questions about what procedures are covered and what costs are not covered. Cigna will usually provide you with detailed instructions. You can call Cigna’s customer service line if you have more questions.
Are There Coverage Limitations With Cigna Dental Insurance?
Yes. Coverage is limited to procedures that are considered medically necessary. This means that if you want to have a crown made, there may be a specific reason why you need it. If it is not medically necessary for you to have a crown, your dental plan does not cover it. Other limitations can include age and geographic area. Cigna specifies in its contract that it may choose to not cover certain services in certain areas. For example, Cigna may not cover services in rural areas. Other organizations, such as Blue Cross and Blue Shield, cover you throughout the entire country. Cigna Dental Insurance may not cover certain procedures, such as fillings or crowns, or certain charges, such as fees for missed appointments. You should also be aware that your Cigna Dental Insurance plan may limit the number of visits you can make to a dental office.
Cigna Dental Plans for Adults and Kids
Adults can purchase a basic plan, which provides 60% reimbursement on most services. Higher-deductible plans are available, which require the patient to pay a larger portion of the bill. There are coverage options for kids too. Cigna offers a number of different plans for adults and kids. The basic plan, which covers most adults and kids, has a $ 6,350-lifetime maximum. The Preferred plan, available only to seniors, has a $ 10,000-lifetime maximum. Kids’ dental plans have a $ 2,600 lifetime maximum, which is lower than the $10,000 maximum for seniors. There are also a number of different plans for kids based on their ages. There are plans for kids ages 0 to 18, 18 to 35, and 35 and older.
Pros and Cons of Cigna Dental Insurance
Whether you decide to get Cigna Dental Insurance or not, you still have to be mindful of your dental health. You should make regular visits to the dentist, get your teeth checked, and have any problems fixed as soon as possible. If you do this, you will be much less likely to need Cigna Dental Insurance. If you do need the insurance, you should also be prepared to pay the higher cost. Cigna’s coverage is limited to things that are considered medically necessary. If you choose to have a cosmetic procedure covered, such as a crown or bridge, you should know that these are much more expensive than fillings and extractions, and may not be covered under your Cigna Dental Insurance plan.
Final Words: Should You Get Cigna Dental Insurance?
The key to any healthcare insurance is to understand how it works and what coverage you have. Cigna Dental Insurance is an important part of your healthcare plan, and should be taken seriously. It provides protection against the high cost of dental care and can save you a lot of money. However, it is important to understand that it is not comprehensive coverage. Cigna Dental Insurance only covers cosmetic procedures, crowns, and dentures, and is limited to procedures that are considered medically necessary. If you choose to get the coverage, you should also be prepared to pay higher premiums than you would if you did not have it.