Your Cigna dental insurance plan is an invaluable tool that can help you maintain and repair your smile at a low out of pocket cost. Its focus on preventive care is especially practical and can protect your teeth from future problems. Whether you have Cigna through your employer, or you purchased your plan yourself, we encourage you to take full advantage of your coverage! But how can you do so? We’re proud to be your Cigna dentist in Towne Lake, and our team is eager to help you understand and maximize your benefits.
Cigna offers both individual plans and plans that you can get through an employer. Here is a brief look at their individual plans:
If your Cigna coverage is relatively new, keep in mind that there is a waiting period before you’re eligible to receive certain services. You must have your policy for six months before you can receive minor restorative services, and for one year before you can receive major restorative services.
Both the 1500 and 1000 plans come with a deductible that you must pay before you receive any restorative work. However, all of the plans offer preventive care at no out of pocket cost when you visit an in-network provider — no deductible required. Since these policies are all DPPO plans, you can also use your benefits at out of network dental offices. However, out of network fees for both preventive and restorative care tend to be a bit higher.
You can enjoy many other benefits when you visit an in-network Cigna dentist in Towne Lake. Because we are so familiar with Cigna and how their policies work, it is easier for us to suggest strategies to help you get the most out of your coverage. For example, we may be able to split up major treatments across two calendar years in order to minimize your out of pocket costs. We’re also in a prime position to help you understand what your plan does and does not cover.
When you first come into our dental office, you’ll meet Robbie at the front desk. She is our friendly, expert insurance coordinator, and she’ll put her many years of experience to work to help you get the most out of your Cigna policy. She can verify your coverage, explain your benefits, and talk about your payment options with you. Robbie and the rest of our team are eager to help you use your dental insurance in the best way possible!