Cigna Dhmo Dental Insurance Plans for Your Needs

Cigna DHMO dental insurance plans offer a range of options to suit your needs.

With Cigna DHMO, you can choose from a network of over 70,000 dentists nationwide, ensuring you have access to quality care wherever you go.

Cigna DHMO plans typically require a small monthly premium in exchange for reduced out-of-pocket costs on preventive care.

You can expect to pay a lower copayment for routine cleanings, exams, and X-rays when you visit a participating dentist in the Cigna network.

Cigna offers a variety of dental insurance options, including DHMO plans. You can choose a primary care dentist to coordinate your care and refer you to other in-network specialists as needed.

With a Cigna DHMO plan, you'll pay copays based on the service you receive, and there's no annual deductible or maximum. You can select a network general dentist (NGD) who will provide all of your routine care and refer you to specialists when necessary.

Cigna DHMO plans offer certain dental preventive care services at little-to-no-extra cost when you use your primary network dentist. You can also see a network orthodontist without a referral if your dental plan includes coverage for orthodontic services.

Here are some key features of Cigna DHMO plans:

In addition to DHMO plans, Cigna also offers DPPO plans, which allow you to visit any dentist for your care. However, you may pay more for out-of-network care.

Cigna Dental Care is a type of plan that requires you to select a primary care dentist to coordinate your care and refer you to other in-network specialists as needed.

You'll pay copays based on the service you receive, and there's no annual deductible or annual maximum.

Cigna Dental Care is provided exclusively by or through operating subsidiaries of The Cigna Group Corporation, including various companies like Cigna Health and Life Insurance Company and Cigna Dental Health, Inc.

You'll find Cigna Dental Care offered in many states, including Arizona, California, Colorado, Delaware, Florida, Kansas, Kentucky, Maryland, Missouri, New Jersey, North Carolina, Ohio, Pennsylvania, Texas, and Virginia.

Cigna Dental Health, Inc. and its subsidiaries offer Cigna Dental Care in multiple states, with different policy forms used in each state, such as OK - HP-POL99/HP-POL-388, POL115; OR - HP-POL68/HP-POL352, HP-POL121 04-10; and TN – HP-POL69/HC-CER2V1/HP-POL389, et al., HP-POL134/HC-CER17V1 et al.

Cigna DHMO Plans offer a range of benefits, including no annual maximums, deductibles, or claim forms to file. You must use a participating dentist to be covered, and copayments vary based on the service.

To find a participating dentist, you can visit the Cigna website and select the "Find a Doctor, Dentist, or Facility" link. Select "Employer or School" for coverage and use the search tool to find a dentist. You can also look up dental facilities within the HMO network by selecting the "Cigna Dental Care Access Network".

Here are some key features of Cigna DHMO Plans:

You can also register for the Cigna Dental Oral Health Integration Program, which provides extra benefits for those with certain medical conditions that may be impacted by dental care.

Cigna DHMO plans are a type of dental insurance that offers a network of participating dentists.

You must use a participating dentist to be covered, and referrals are required for specialist services.

Cigna DHMO plans have no annual deductible or calendar-year maximum.

You can change your primary care dentist at any time during the year.

To find an in-network DHMO dentist, visit the Cigna website and select the "Find a Doctor, Dentist, or Facility" link.

Cigna will assign a primary care dental facility close to your home zip code if you sign up for the DHMO plan.

Here are some key features of Cigna DHMO plans:

If you need frequent dental care, the Dental HMO may not be the right plan for you.

Cigna will reimburse you according to the maximum reimbursable charge (MRC) for services provided by a non-network dentist.

The Enhanced plan is a great option for those who want flexibility in their dental care. It pays benefits for services received in- and out-of-network, without a referral.

You can visit any dentist with this plan, but keep in mind that you're responsible for all charges above the maximum allowable charge if you see an out-of-network dentist. This means your out-of-pocket expenses may be higher if you choose to see a dentist not part of the Cigna PPO Network.

You can look up dental facilities within the DPPO network by visiting the Cigna website and selecting the Find a Doctor, Dentist, or Facility link.

Managing dental costs can be a challenge, but with the right strategies, you can make the most of your Cigna DHMO dental insurance. To start, choose a provider from the Delta Dental network, as this will ensure you receive the highest benefits from your plan.

Using a network dentist is crucial, especially if you're on the Cigna DHMO plan, as non-network dental care is not covered. You can find a provider by visiting the Delta Dental website.

Before undergoing a procedure, submit a pre-treatment estimate if you think it will exceed $300. This will give you a clear idea of what to expect and help you plan accordingly. You can call 1-855-237-6421 or visit the Delta Dental or Cigna DHMO website for more information.

To keep track of your claims and benefits, check your account regularly at Delta Dental or Cigna DHMO. You can review Explanation of Benefits (EOB) statements and check if claims have been paid.

Choosing the Right Plan can be a bit overwhelming, but it's essential to make an informed decision. There are two main options to consider: the Dental Care DHMO plan and the Total Care DHMO plan.

The Dental Care DHMO plan is a great choice for those who need basic dental care coverage. It's designed to provide affordable access to routine care.

If you're looking for more comprehensive coverage, the Total Care DHMO plan might be the better option. This plan offers a wider range of services, including more advanced procedures.

To help you decide, here are the options side by side: