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.