Both Cigna PPO plans allow participants to choose any provider they wish and receive benefits. The covered benefits listed below apply to both in-network and out-of-network dental care for each plan. However, you generally pay less when you go to network dentist because dentists in the network have agreed to charge discounted fees.
| CIGNA DENTAL PPO | CIGNA DENTAL PPO PLUS | |
|---|---|---|
| Cleanings Per Year | 4 | 4 |
| Deductible (Deductible waived for preventive services) |
$50/$150 | $50/$150 |
| Annual Maximum Benefit per member (progressive maximum) | Year 1: $1,000
Year 2: $1,100 Year 3: $1,200 Year 4: $1,300 |
Year 1: $2,000
Year 2: $2,100 Year 3: $2,200 Year 4: $2,300 |
| Preventive/Type A Coinsurance (cleanings) | 100% covered | 100% covered |
| Basic/Type B Coinsurance (fillings) | 80% covered | 80% covered |
| Major/Type C Coinsurance (crowns, dentures) | 50% covered | 50% covered |
| Orthodontia/Type D Coinsurance* | N/A | 50% |
| Orthodontics Lifetime Maximum* (child and adult) |
N/A | $1,000 |
| Reimburse % UCR | 90th Percentile | 90th Percentile |
* Starting Jan. 1, 2024, orthodontia benefits will change to:
- Dental PPO plan will add coverage for orthodontia services for dependents up to age 18 only, up to a lifetime maximum of $1,000 per covered participant.
- Dental PPO Plus plan will be available to adults AND dependents up to age 18 and the lifetime maximum is increasing to $2,000 per covered participant.