CIGNA Dental PPO

A balance of choice and savings

CIGNA Dental PPO lets members visit any licensed dentist in or out of our Preferred Provider network.

• CIGNA Dental PPO covers most preventive procedures at a reasonable cost, or at no cost to members.
• You can enjoy savings on non-covered services. And the savings apply to covered services when you exceed your annual maximum or other plan limitations. To take advantage of these savings, you must visit a network dentist.
• Out-of-pocket costs are lower when visiting an in-network dentist.
• Filing a claim form is not needed with a visit to an in-network dentist
• A referral to see a specialist is not needed.

All network dentists complete a credentialing process and participate in a Quality Management Program. We recredential each network dentist periodically and survey members to measure customer service and quality levels.

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Finding the care you need

For maximum savings, you can visit any network dentist. If you choose to visit an out-of-network dentist, your out-of-pocket costs may be higher. Whether you go in-network or out-of-network, you'll be reimbursed for all or part of your costs for covered procedures, up to your annual dollar maximum, and after meeting your deductible or satisfying any waiting periods.

If you have a CIGNA Dental PPO plan, you can call Customer Service at 1.800.CIGNA24 (1.800.244.6224), or log in to myCIGNA.com for more information. Or ask your employer or benefits manager for more information about enrolling in a CIGNA dental plan.

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How the Dental PPO might work for you

The key to a healthy smile is to take care of your teeth and gums before problems begin. Every $1 you spend on preventive dental care could save you $8 to $50 in restorative and emergency treatment.¹ Regular, routine oral care helps you address minor problems before they become major and more expensive to treat.

You'll find that coverage for most preventive services is at no or low cost.

When you visit an in-network dentist, you can save an average of 35% ² off dental costs when compared to not having dental insurance.

¹ American Dental Hygienist Association (www.adha.org)
² Average discount percentages are calculated by comparing nationwide average contracted rates to national average charge data. Actual savings will vary based upon procedure, geographic location and the individual dentist's contracted fees.

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Health and wellness programs

As a member of a CIGNA Dental plan, you also have:

• Member discounts: Save up to 60% on products and services – from acupuncture to weight management – with our Healthy Rewards^® discount program. Note: All programs are not available in all states.

Check your plan materials or log in to myCIGNA.com for more information about your plan, including your eligibility for specific programs and services. Or ask your employer or benefits manager for more information about enrolling in a CIGNA Dental plan.

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Employer Advantages

FAQ

• What is the difference between in-network and out-of-network coverage?
• Do I have to choose between in-network and out-of-network now?
• How do I find in-network dentists?
• How do I file a claim? How long does it take to be reimbursed?
• What if my dentist isn't a preferred provider?
• Can my current dentist be added to your network?

What is the difference between in-network and out-of-network coverage?
When you use in-network coverage, you may visit any dentist in the DPPO network, and your out-of-pocket costs are lowest.
With out-of-network benefits, you can see any dentist you wish, but your out-of-pocket expenses will be higher.

Do I have to choose between in-network and out-of-network now?
No. Each time you seek care, you choose your dentist, whether he or she is in the DPPO network or an out-of-network provider.

How do I find in-network dentists?
Start with the online Provider Directory or visit myCIGNA.com

How do I file a claim? How long does it take to be reimbursed?
If you visit an in-network provider, he or she will file the claim for you. When you use out-of-network services, you may need to submit a claim form. To get a claim form, visit myCIGNA.com or www.cigna.com . Once you mail your completed claim form, claims are generally paid within 10 to 15 working days. However, if questions about the claim arise, payment may be delayed.

What if my dentist isn't a preferred provider?
You can continue seeing your dentist. However, care will be covered at the out-of-network benefits level. To receive maximum benefit, you should select a dentist from the DPPO list of preferred providers. Participating providers must meet credentialing standards to become part of our network.

Can my current dentist be added to your network?
If your current dentist meets our credentialing standards and is interested in becoming a CIGNA preferred provider, he or she can call our Provider Relations Department to get more information.

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