Cigna dental insurance plans are still offering some great savings on dental care even in today’s world of uncertainty. There are some plans that will be helpful for those who are finding themselves in the situation where they have to pay all of the dental costs themselves. Since more employers are not able to give their workers benefits like visions and dental care, you may soon find yourself in this same predicament.
There are a lot of dental insurance plans offered by Cigna, so choosing the right one can be tricky. Some of the plans I have seen include PPO, EPO, traditional indemnity, Flex Advantage, Plus Savings, and the Dental Care DHMO. It is this last plan we will look at first so help you determine if it’s right for you and your family.
The DHMO plan offered by Cigna does not have any deductible to worry about and does not have a yearly maximum either. But the best part about it is that there are no claim forms to have to fill out and you will not have to wait for your coverage to kick in. Waiting for insurance companies to pay up can be the most frustrating part of getting good dental health care, so this is a big benefit here.
Each family member also has the advantage of choosing his or her own dentist to visit and if Cigna arranges a second opinion there will be no charge added on at all.
The Cigna Plus Savings program may also be ideal for your circumstances, as it allows you to choose from over 76,000 dentist offices across the country. On average you will be able to save 35% on all of the most common dental procedures like x-rays, fillings, crowns, check-ups, and other treatments. With the Plus Savings program, Cigna also lets you forget about any claim forms, deductibles, age limitations, waiting periods, or even current dental conditions that would stop you from getting coverage.