Dental
Good oral health is important to your overall health and wellbeing. We offer two Dental plans through Cigna.
If you are also enrolled in the HDHP Silver or HDHP Gold you can use a Health Savings Account to pay for qualified dental expenses. Read more about Health Savings Accounts .
How does it work?
You can choose between the DHMO (Dental Health Maintenance Organization) plan and the DPPO (Dental Preferred Provider Organization) plan.
DHMO plan
The DHMO plan offers low cost services for low premiums, but you can only see an in-network dentist so it’s important to ensure you have one in your area.
You will need to select a dentist in the DHMO network and notify Cigna of your office selection prior to receiving covered services. You will not be able to change dentists for 31 days.
Each covered service has a fee associated with it, and these fees can be found in the downloads section.
DPPO plan
The DPPO plan allows you to see any dentist — although you save dollars if you see an in-network dentist — but the premiums and cost of services is higher. Costs of services vary between dentists, so make sure you find the right dentist for you by comparing costs of services across your options.
Preventive services are covered at no cost to you. The cost of non-preventive, basic and major services are shared between you and Cigna once you meet your individual or family deductible, depending upon which coverage tier you choose.
What am I covered for?
| Summary of features | DHMO plan | DPPO plan |
|---|---|---|
| Network | Cigna Dental Care Access | Total Cigna DPPO |
| Network coverage | In network only | In network and out of network |
| Annual deductible (individual/family) | None | $50/$150 |
| Annual maximum (per person) | Varies by service; see Cigna Benefit Schedule for details |
Year 1: $1,500
Year 2: $1,600 Year 3: $1,700 Year 4: $1,800 * |
| Preventive care (routine cleaning and x-rays) | Varies by service; see Cigna Benefit Schedule for details | No cost |
| Basic services (fillings, basic root canals) | Varies by service; see Cigna Benefit Schedule for details | 20% after deductible |
| Basic services (fillings, basic root canals) | Varies by service; see Cigna Benefit Schedule for details | 20% after deductible |
| Major services (extractions, crowns) | Varies by service; see Cigna Benefit Schedule for details | 50% after deductible |
| Network | |
|---|---|
| DHMO plan | Cigna Dental Care Access |
| DPPO plan | Total Cigna DPPO |
| Network coverage | |
| DHMO plan | In network only |
| DPPO plan | In network and out of network |
| Annual deductible (individual/family) | |
| DHMO plan | None |
| DPPO plan | $50/$150 |
| Annual maximum (per person) | |
| DHMO plan | Varies by service; see Cigna Benefit Schedule for details |
| DPPO plan |
Year 1: $1,500
Year 2: $1,600 Year 3: $1,700 Year 4: $1,800 * |
| Preventive care (routine cleaning and x-rays) | |
| DHMO plan | Varies by service; see Cigna Benefit Schedule for details |
| DPPO plan | No cost |
| Basic services (fillings, basic root canals) | |
| DHMO plan | Varies by service; see Cigna Benefit Schedule for details |
| DPPO plan | 20% after deductible |
| Basic services (fillings, basic root canals) | |
| DHMO plan | Varies by service; see Cigna Benefit Schedule for details |
| DPPO plan | 20% after deductible |
| Major services (extractions, crowns) | |
| DHMO plan | Varies by service; see Cigna Benefit Schedule for details |
| DPPO plan | 50% after deductible |
* Cigna offers a Wellness Incentive Program where members progress to the next maximum level by utilizing one preventive care service the prior calendar year. Call 800.244.6224 to find out more about participating in this program.
How much will coverage cost me?
The below table details how much your coverage will cost you based on dependent and plan selections.
| Coverage tier | DHMO plan (bi-weekly cost for coverage) |
DPPO plan (bi-weekly cost for coverage) |
|---|---|---|
| Employee only | $6.22 | $18.80 |
| Employee + spouse | $10.97 | $41.55 |
| Employee + child(ren) | $12.98 | $53.46 |
| Employee + family | $19.21 | $73.77 |
| Employee only | |
|---|---|
| DHMO plan (bi-weekly cost for coverage) |
$6.22 |
| DPPO plan (bi-weekly cost for coverage) |
$18.80 |
| Employee + spouse | |
| DHMO plan (bi-weekly cost for coverage) |
$10.97 |
| DPPO plan (bi-weekly cost for coverage) |
$41.55 |
| Employee + child(ren) | |
| DHMO plan (bi-weekly cost for coverage) |
$12.98 |
| DPPO plan (bi-weekly cost for coverage) |
$53.46 |
| Employee + family | |
| DHMO plan (bi-weekly cost for coverage) |
$19.21 |
| DPPO plan (bi-weekly cost for coverage) |
$73.77 |
How do I find a dentist?
Visit my.cigna.com or call 800.244.6224 to find in-network and out-of-network providers in the Cigna Dental PPO or HMO network. If you are asked for your Cigna Group Number, please provide the number 3339897. The name of the network for the PPO Plan is Total Choice DPPO. The name of the network for the HMO plan is Dental Care Access.
Remember, you save dollars when you choose an in-network provider.
There is no out-of-network coverage for the DHMO plan, so please be sure to visit in-network providers!
Should you require more assistance, email us at spitzer_benefits@ajg.com or call 855.803.8188 to speak to a Spitzer benefit advocate.
Downloads