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 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.
At Breckinridge Dental & Orthodontics, we go above and beyond to make the dental insurance process simple and stress free for our Richardson dentistry patients. When you call our team with questions about dental insurance coverage, you’ll likely be talking to one of our talented insurance specialists. All of these knowledgeable team members are here to help you with your dental benefits. They will process and file dental insurance claims to maximize your coverage, and can help you to understand your available benefits and out of pocket costs for any dental treatment plan. Please don’t hesitate to reach out to them with questions or concerns about your dental benefits. The whole Breckinridge Dental & Orthodontics team are always happy to help.