Cigna Dental Insurance Dentist – Richardson, TX
How Cigna Makes a Healthy Smile More Affordable
Do you have Cigna dental insurance in Richardson? Whether your coverage comes through an employer, or you bought an individual policy, you should take advantage of your benefits! Your plan can help you prevent dental problems and maintain your gorgeous smile while keeping your out of pocket costs to a minimum. Breckinridge Dental & Orthodontics is proud to be in-network with Cigna, which means that we are in a position to truly help you get the most out of your coverage.
Cigna Coverage Availability & Fees
Cigna offers both individuals plans and plans that you may be able to get through your employer. The company’s three individual DPPO plans offer varying levels of coverage:
- Cigna Dental Preventive covers basic cleanings and checkups.
- Cigna Dental 1000 pays for up to $1,000 of restorative work in a calendar year. It has a relatively low deductible, but it does not cover orthodontic treatment.
- Cigna Dental 1500 pays for up to $1,500 of restorative work in a calendar year. In addition to having a higher annual maximum than the other plans, it also offers coverage for orthodontia.
All of the Cigna plans cover preventive visits at 100% with no deductible when you visit an in-network dentist. Restorative work may be covered at 50% - 80% (depending on the nature of the work). Costs tend to be higher at out of network providers, so if you ever visit a dental care provider who doesn’t have a contract with Cigna, be sure you thoroughly understand any fees before you agree to treatment.
Since we are so familiar with how Cigna coverage works, we can offer you customized tips to help you get the most out of your coverage. For example, we can help you schedule treatment in a way that minimizes your out of pocket costs (we may be able to split up major treatments across two calendar years so you can use more than one annual maximum). If you ever have questions about how your coverage works, our team will give you the assistance you need to become familiar with all of the fine print of your plan.
Meet Marissa and Crystal
Marissa and Crystal, the officer manager and insurance coordinator in our practice, are ready to help you get the most out of your Cigna dental insurance. They can verify your coverage, explain your benefits, file your claims, and help you understand your financial obligation for any treatment you need to receive. Their friendly, expert guidance will make you feel like the master of your dental insurance policy!