CIGNA Dental Plan

CIGNA Dental Care standard DHMO offering and Value Plan options offer your employees comprehensive coverage for a wide range of dental services. Most preventive procedures are covered at 100%, giving members the confidence that they can access dental care as needed.

The CIGNA Dental Care Value Plans, an expansion of its DHMO portfolio, are designed to give employers the flexibility to tailor benefits to manage shrinking employee benefits dollars through cost savings options that are added to CIGNA Dental Care typical plan designs, which include:

  • Alternate treatment provisions.
  • Alternate treatment provisions on plans that exclude orthodontics.
  • Alternate treatment provisions with Specialty discount.
  • Specialty discounts only.
  • All schedules available with a $5 office visit member copayment option.

Features & Benefits of CIGNA Dental Care DHMO

  • There’s no deductible to meet, and no annual dollar maximum. In most cases, no claim forms to file, and no waiting period for coverage.
  • No copayments are required for most diagnostic and preventive services.
  • Each family member chooses his or her own network dentist.
  • Second opinions are available at no charge when we arrange them.
  • Referrals are not required for members or their covered dependents to receive care from a Network Orthodontist.

Features & Benefits of CIGNA Dental PPO

  • CIGNA Dental PPO covers most preventive procedures at a reasonable cost, or at no cost to members.
  • You can enjoy savings on non-covered services. And the savings apply to covered services when you exceed your annual maximum or other plan limitations. To take advantage of these savings, you must visit a network dentist.
  • Out-of-pocket costs are lower when visiting an in-network dentist.
  • Filing a claim form is not needed with a visit to an in-network dentist
    A referral to see a specialist is not needed.

Advantages of Discount Dental Plans over Traditional Dental Insurance

With the cost of basic commodities rising every day, people are having a difficult time budgeting the money for their basic needs, and this includes their dental care. This is why people are now turning to dental insurance so that they do not have to fret in case a major dental problem happens in the near future. But dental insurance is a bit on the expensive side and most of them offer limited coverage, and many of them do not even cover pre-existing dental conditions and cosmetic surgery which is needed by some people. These are the reasons why most people won’t even bother getting dental insurance. Fortunately there is an alternative to expensive insurance, and that is discount dental plans.

Discount dental plans are now becoming the top selection of a lot of companies for their employees’ use. With traditional dental insurance it often takes a while when processing applications, and when your applications do get approved the deductibles that they charge are more often than not too high. What’s worse is that a lot of insurance companies force their policy holders to pay annual maximums regardless of their coverage needs, resulting to a lot of plan cancellations. These problems do not exist in discount plans. The great thing about discount plans you will get immediate discounts on dental services and on some selected products, no need to fill out a ton of paperwork that usually comes with traditional dental insurance. Discount plans do not require approval, and is activated in as fast as 1 or 2 days, meaning you can get the benefits faster. And another thing that makes discount plans even better is that they even if you have a pre-existing dental condition, you are still entitled to the discounts you want to avail of.

Though there is a disadvantage when you opt for discount plans, and that is your choice of dentists and clinics are very limited. Meaning, if you’ve always been visiting the same dentist for years, you may have to choose another if he isn’t on the list of enrolled doctors in your plan. You need to go to only those on your plan’s list of dentists to avail of the discounts.

If you’re thinking of getting discount dental plans, it is advised that you first understand the status of your dental health first. If your dentist says that it is advised for you to come and visit the clinic frequently due to a pre-existing dental condition then you must definitely get one. But on the other hand if you have impeccable oral health and only need to go the clinic for routine checkup and maintenance, then you should find other plans.

Oral health should be one of your top priorities, and because of the assistance of discount dental plans, even if you have a tight budget you can still afford to have regular dental checkups. So even in these trying times of financial uncertainty you can still flash a brilliant smile.

The Advantages of Signing Up with Blue Cross Dental Plans

Dental health is one concern that is on the minds of many people. Most of the time if you have a healthy mouth, you generally have an overall healthy body. But sadly, due to the financial instability gripping the nation, few people have the capability to afford going to the dental clinic on a regular basis for periodic check up and maintenance. But if you’re someone who has a hard time just making ends meet, coughing up money for a dentist can be extremely difficult. For people like you it’s better that you have a good-quality dental plan.

When you’re looking for dental plans for you and/or your family, there are a few questions that you need to ask yourself before making any decisions.

  1. How much will you have to pay? And how much is the coverage?
  2. Will the dental plan include specialists and referrals too?
  3. How will it treat emergency care?
  4. Does it cover prescription costs? If yes, what prescriptions are covered?
  5. How much paperwork will you need to accomplish? And are they all necessary?

Once you ask yourself these queries, go on over to the website for Blue Cross Insurance, and there you’ll find that there are only favorable answers to your questions.

Blue Cross is one of the most trusted names when it comes to insurance. Almost everyone knows the name and their reputation of giving trusted and quality service for many years already. Aside from health insurance, they also have dental plans too. Blue cross dental plans has the same high standards as their other insurance plans. If you ask people who have already availed of the insurance, you can be sure that they will tell you that Blue cross dental plans is the best dental plan that they’ve ever had.

Like any other insurance companies, Blue Cross gives you different dental plans for you to choose from. Each plan differs from the others in terms of the amount of coverage you want, you can either choose to avail of a family plan or an individual dental plan. You can even avail of group insurance if you’re a company owner and you want your employees to avail of the best dental insurance around. These group policies can be given at a much lower premium than the others.

With other dental plans, you need to pick out a clinic or dentist that’s on the list of the provider, which means you only have limited choices. But with Blue Cross dental plans you’re lucky, because almost all doctors and clinics accept it, as it is one of the largest medical insurance providers today. Meaning you can actually choose which dentist you want to go to. Because Blue Cross promptly pays the doctors of their clients on time, most clinics and hospitals would not hesitate in accepting your claim.

Don’t let your teeth rot away and fall off just because of lack of money. Avail of a Blue Cross dental plan and keep your teeth and mouth healthy