Dental Insurance Plans

Oral Hygiene

Dental care begins in a person’s life from his/her infant stage   & lasts throughout his/her lifetime. Proper dental hygiene leads to proper health of the whole body. Many diseases of the body start from improper dental care. Primary dental care is applicable to each & every individual. This is brushing twice a day & flossing twice in a week.

Many people are reluctant to visit the dentist, mainly ‘coz of the expenses they have to meet. But, unfortunately you will have to visit the dentist at least twice a year for general cleaning & regular checkups. So you can opt for dental insurance. Nowadays dentists confirm that most of their patients are under insurance coverage. Most of the dentists have made it compulsory that they will treat only patients, who are insured.

Dental insurance

More& more people are coming forward for insurance coverage as they slowly recognize its significance in their life. Dental insurance can be bought online , which   most of the customers prefer nowadays. As they can   easily find insurance providers online. Among them Cigna insurance providers are very popular.

Cigna Dental Insurance

Cigna provides many coverage plans, which are easily accessible even to the   lower sections of the society. The unique feature of Cigna is that it provides 2 free cleanings, 2 free X-rays & 2 free check- ups annually. The traditional way of paying an annual amount is also not available. For children, 2 fluoride treatments are free. Some of the plans are:

DHMO: – Dental Health Maintenance Organization. A very non- expensive plan, ‘coz of the low premium you pay.  There are also no deductibles, while you reimburse. You have to consult the dentist within the network, provided by the insurance provider. You can consult a specialist if needed without any extra cost. Cosmetic & orthodontic procedures are excluded.

Pre-existing conditions are also not taken care of.

PPO plans: – Preferred provider organization. You are able to consult a dentist of your choice. But the premium amount is very high. Coverage is provided for braces also. Pre-existing conditions & Cosmetic procedures are excluded. No Deductibles or Co-insurance.  A network of dentists is also provided. You can also choose within the network of dentists.

EPO plans: – EPO is a much smaller PPO. The network of dentists is limited compared to PPO. Cigna will be providing the service of highly proficient dentists. Most of the dentists in their network, however small it will be, will be highly qualified. You are also free to choose outside the network, but only a small percentage will be covered.

Flex plans: – If you choose this plan you can transfer from one plan to another. First, if you had chosen DHMO, ‘coz of low premium, then you want to switch to PPO or any other plan it becomes possible. For 1 month if it is DHMO, you can change to some other plan in the next month.

Advantages of Cigna Dental

• More flexible
• Savings for the customer is up to 62% in the network & 35% outside the network.
• Cost-friendly compared to other insurance providers.
• No waiting periods & file claim forms.
• No charge on follow-ups.
• Can enroll dependants without procedural referrals.

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