Dentist with father and toddler daughter

Dental Benefits

You can choose from two dental plans provided by Cigna: Dental Maintenance Organization (DMO) Plan or the Dental PPO Plan. Each type of plan has unique advantages. Understanding the differences can help you choose the coverage that best meets the needs of you and your family.

Plan Features

DMO Plan

  • The DMO plan provides benefits only if you see an in-network DMO dentist.
  • The plan requires you to choose a primary care dentist to coordinate all your care and provides benefits based on a copay schedule.

PPO Plan

  • The PPO plan allows you to receive care from a dentist in the network or outside the network
  • The PPO plan pays a portion of your expenses after you meet your annual deductible, except for preventive care which is covered at 100%
  • WellnessPlusSM Progressive Maximum Benefit: When you or your family members receive any preventive care service during one plan year, the calendar year maximum will increase in the following plan year; until it reaches $1,800!

Dental Plans Overview

Cigna Dental DMO
Dental Care Access Plus Network		 Dental PPO
Total Cigna DPPO Network
Plan Benefits In-Network Only In-Network Out-of-Network
Annual Deductible – Waived for Preventive
(Single / Family)		 None $50 / $150
Coinsurance (Paid by Carrier)
Diagnostic / Preventive Fee Schedule 100% 100%
Basic Fee Schedule 80% 80%
Endodontics  Fee Schedule 80% 80%
Periodontics Fee Schedule  80%  80%
Oral Surgery Not Covered 80% 80%
Major Fee Schedule 60% 60%
Implants Not Covered 60% 60%
TMJ Not Covered 50% 50%
Orthodontics (Adult & Child) $1,344 Child /
$1,944 Adult		 50% 50%
Orthodontia Lifetime Maximum* None $1,500
Calendar Year Maximum None $1,500
Out-of-Network UCR Level N/A N/A 80th Percentile
Note: Anyone who is in the middle of orthodontic treatment and joins our plan will be eligible for reimbursement subject to our plan benefits. The maximum benefit available will be pro-rated based on the amount of time left in the treatment cycle.
VIEW YOUR BENEFITS & FIND AN IN-NETWORK PROVIDERS
  • Visit Cigna.com
  • Select “Find a Doctor, Dentist or Facility.”
  • Follow prompts to search by type of dentist or by dentist name.
  • Choose “DPPO/EPO > Total Cigna DPPO” for the PPO plan or “Cigna Dental Care DHMO > Cigna Dental Care Access Plus” for the DMO plan.
ID CARD
Members enrolling in the DMO plan will receive ID cards in the mail from Cigna. Cigna does not issue dental ID cards for the PPO plan. Members don’t need an ID card to receive care from network dentists. Simply make your appointment and provide identification to the office staff. They can verify your coverage with Cigna. You can also access a digital ID card after your benefits are effective and you have activated your myCigna.com account.
HOW OFTEN SHOULD YOU GO TO THE DENTIST?
When it comes to dental exams and professional cleanings, the general rule of thumb is to visit the dentist’s office twice a year. The frequency of your visits may increase depending on your overall health and other factors, such as pregnancy.
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Enrolling in the DMO?

The DMO plan, also referred to as pre-paid plan, requires you to choose one dentist or dental facility to coordinate all of your oral health needs. If you need to see a specialist, your primary care dentist will refer you; specialty care may require preauthorization. Before you enroll in the DMO be sure to check that there is a DMO provider near you.

The DMO plan does not have any deductibles or maximums. Instead, when you receive a dental service, you pay a fixed dollar amount for the treatment.

If you are enrolling in the DMO you will need to select your primary care dentist before getting care.

You may select your primary care dentist in one of 2 ways:

1. Call the Cigna Pre-Enrollment Line at 1-800-564-7642

After eligibility is transferred to Cigna you may call the Cigna pre-enrollment line at 1-800-564-7642 to note your selection.

2. Call Number on Back of your Cigna DMO ID Card

Once you receive your Cigna DMO ID card in the mail call the number provided on the card to note your selection.

Provide Search Tip:

Search providers using the instructions in the sidebar at right or call your dental office and ask if they participate.