All Cigna dental insurance plans are PPO plans. That means you can pick your preferred dentist for regular or specialty treatment. Cigna has a dental network of 72,000 dentists and specialists nationwide. Like some other insurers, Cigna is great for families of four or more. Since the individual deductible is $50, and the maximum family deductible is $150, once you have paid a deductible for three family members, you won’t owe any deductibles for the rest of the year. Every state except for Washington offers Cigna Dental Insurance for individuals. The Placerville Dental Group accepts Cigna PPO coverage. Within their insurance arrangement, Cigna has three levels of coverage:
With no yearly maximum, all preventive services are covered under this level. However, any restorative or orthodontic procedures become the responsibility of the patient. Discounts for all services are available.
The Cigna 1000 level provides coverage for preventive, restorative and diagnostic procedures, up to $1,000 maximum per person. Orthodontic coverage is separate and has a maximum lifetime coverage of $1,000 for each person.
Cigna’s premier dental insurance plan, the 1500 program has all the benefits of Cigna 1000 with a higher maximum of $1,500 for preventive, restorative and diagnostic procedures for each patient. The orthodontic lifetime maximum is still $1,000 per person.