Cigna Dental Insurance – Powell, OH
Getting the Most Out of Your Benefits
How Your Cigna Insurance Works
No matter the dental insurance plan, the process works very much the same. Each month, you are expected to pay a monthly premium, which grants you access to your benefits. Throughout the year, you must meet a deductible before the insurance company agrees to pay more for the services you receive. Once you’ve met your deductible, should you need a more extensive procedure or treatment, this is where dental insurance can most benefit you.
What It Covers
Every insurance plan is different, which means certain services may or may not be covered in the same capacity as another. This is why it is important that you understand your coverage prior to seeking treatment. In most situations, preventive care is covered most or entirely by your Cigna dental insurance, but the typical coverage set up might look something like this:
- 100% Preventive Services (i.e. basic cleanings and checkups, X-rays, fluoride treatments, dental sealants)
- 80% Basic Procedures (i.e. dental fillings, tooth extractions, emergency dentistry)
- 50% Major Procedures (i.e. dental crowns, root canal therapy, wisdom tooth removal, periodontal therapy)
In order to keep your costs low, it is encouraged that you seek an in-network provider like Wedgewood Complete Dentistry. We negotiate with the dental insurance company to help you get the services you need at the lowest price. However, if you prefer to see an out of network dentist, you are free to do so, as we may still be able to help you get the best deal on the treatment you need.