How much does cigna dental cover?
Are you tired of not knowing how much your dental insurance actually covers? Do you feel like it’s all a big conspiracy to confuse and frustrate you? Well, fear not my friend. We’re here to demystify the world of Cigna dental insurance and tell you exactly how much they cover.
What is Cigna Dental Insurance?
Before we get into the nitty-gritty details, let’s first talk about what Cigna dental insurance actually is. Simply put, it’s an insurance plan that covers all things related to your teeth and gums. This can include routine cleanings, fillings, root canals, crowns – basically anything that involves your mouth getting poked and prodded by various tools.
What Does Cigna Dental Cover?
Alrighty then, let’s dive into the good stuff. Here are some common dental procedures and how much they’re typically covered by a standard Cigna dental plan:
Good news folks – most preventative care services like cleanings are 100% covered under a Cigna dental plan. That means no out-of-pocket expenses for yearly check-ups!
If you need a filling or two (or three), rest assured that they’re usually covered at an 80% rate after your deductible has been met. So if your filling costs $200 total, expect to pay around $40-$50 with coverage.
Unfortunately root canals fall under the umbrella of more complex procedures which means coverage isn’t quite as generous as those preventative treatments we talked about earlier. A standard root canal is usually covered at around 50% once again after meeting that pesky deductible.
Crowns are similar in coverage to root canals coming in at around 50-60% depending on whether or not the crown is considered a “basic” or “major” procedure.
This one varies quite a bit depending on your individual plan, but most Cigna dental policies will cover up to $1500 – $2500 for orthodontia like braces.
What’s My Deductible?
Ah yes, the deductible. That pesky thing that always manages to sneak up on us when we least expect it. In case you’re unfamiliar with what exactly a deductible is, it’s basically the amount of money you have to pay out-of-pocket before insurance coverage starts kicking in.
For Cigna dental insurance plans, deductibles can vary widely but generally fall somewhere between $50-$150. Once your deductible is met for the year, coverage kicks in at those aforementioned rates (80%+).
Is There A Maximum Coverage Amount?
Yes there certainly is! Each individual policy comes with an annual maximum which essentially means once you hit that number, any additional procedures aren’t covered until the following calendar year rolls around.
Again this number varies based on each specific policy and can range anywhere from $1000-5000 per person per year.
Can I Choose My Own Dentist?
Good news folks – Cigna dental plans allow users to continue seeing their own dentist while still receiving coverage so long as they are an “in-network provider”. Essentially what this means is that your chosen dentist has agreed to charge pre-negotiated rates with your specific insurance plan which helps keep costs low(er).
If you do choose to see someone who isn’t part of the network however be advised that costs may be higher since they aren’t subject to previously agreed upon pricing structures.
So there ya have it folks – just some of the basics about how much Cigna dental covers when it comes time for those dreaded (but necessary) teeth cleanings and procedures. While we can’t guarantee 0% frustration when dealing with insurance companies, hopefully this article has at least helped alleviate some of your confusion.
- Cleanings are covered at 100%
- Fillings generally come in at 80%
- For more complex procedures (like root canals or crowns), expect coverage around 50%
- You’ll likely have a deductible that falls somewhere between $50-$150
- Each policy comes with an annual maximum (usually anywhere from $1000-$5000)