Cigna Dental PPO 50 Dental Insurance Plans
Cigna PPO 50 dental insurance plans are designed to provide you and your family with access to the high-quality, affordable dental services you need to keep your teeth strong and your gums healthy. This plan is a preferred provider organization, which means you can see any dental care provider within the Cigna network of dental providers, or you can go outside the network to see another dentist of your own choosing. Coverage is higher for network dentists, however, which means your out-of-pocket costs will tend to be lower if you use the network.
The annual deductible for Cigna PPO 50 dental insurance plans is an affordable $50, and the family deductible is just $150. The calendar year maximum is $1,000, and the plan benefits will include all necessary preventative and diagnostic services, such as oral exams, routine cleanings, dental X-rays, dental sealants and fluoride treatments. Restorative treatments, dental fillings, simple extractions, oral surgery and emergency treatments are also covered with a low 20 percent coinsurance rate for in-network providers. Out-of-network care includes a 40 percent coinsurance rate.
Major dental care is included after a 12-month waiting period and includes coverage for such services as dental crowns, inlays, onlays, root canal treatments, periodontal treatments, bridges and dentures, all of which are covered at 50 percent if provided by an in-network care provider. Out-of-network major restorative care will have a 60 percent coinsurance rate.
Studies have shown that those who enjoy access to dental insurance are more likely to seek and obtain preventative care. They also tend to seek treatment for dental problems before their conditions deteriorate. Our agents can help you explore your options and locate the plan that will best suit your needs. Contact us today to find out more about Cigna PPO 50 dental insurance or other dental plans.