All Cigna dental insurance plans are PPO plans. Therefore, you get to choose your preferred dentist for regular or specialty treatment. Cigna does maintain a dental network of 72,000 dentists and specialists nationwide and if you select a dentist in this network, you will see cost advantages. Like UnitedHealthcare, Cigna is advantageous for families of four or more, because while the individual deductible is $50, the maximum family deductible is $150, so once you’ve paid a deductible for three people, you no longer owe any deductibles for the rest of the year. Cigna is offered to individuals in every state, except Washington.
Within their insurance arrangement, Cigna has three levels of coverage:
This program provides coverage for preventive, diagnostic and restorative procedures, up to $1,000 maximum per person. Orthodontic coverage is dealt with separately, but has a lifetime coverage maximum of $1,000 per patient.
Cigna’s premier dental insurance plan, this program has all the benefits of Cigna 1000 with a higher maximum of $1,500 for preventive, diagnostic and restorative procedures per patient. The orthodontic lifetime maximum is still $1,000 per person.