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You have two dental plan options. Both plans are administered by CIGNA. When you enroll in dental, you can choose “employee”, “employee + child(ren)“, “employee + spouse“ or “family” coverage.

When you enroll, consider how the DHMO can save you money in lower per pay contributions and more generous coverage with no deductibles or dollar maximums. With the DHMO, you must select a primary network dentist before receiving any dental services. Ask yourself, why pay more than you have to for dental care?

Dental PPO Plan Dental Care (DHMO) Plan
  • You can visit any licensed dentist in or out of the network – the choice is yours.
  • If your dentist is in the Cigna DPPO Advantage network, you get lower deductibles, higher annual maximums and no balance billing. If your dentist is in the Cigna DPPO network, you still get the benefit of no balance billing, and provider discounts. Both in-network options provide savings over out-of-network.
  • Regardless of the provider you choose, the plan covers all or part of your costs for eligible expenses (after meeting your deductible), up to the annual dollar maximum.
  • Most in-network preventive procedures are covered at no cost to you – there is no deductible for preventive care.
  • Your out-of-pocket costs are lower and you do not have to file a claim form if you use an in-network dentist.
  • Orthodontia is covered for children to age 19.
  • See a summary of benefits.
 
  • You choose a dentist from the CIGNA DHMO network and when you seek treatment from that in-network dentist, there is no deductible to meet, no annual dollar maximum, no claim forms to file, and no waiting period for coverage. You must use the in-network dentist you have specified to have benefits paid, but you can choose a different network dentist for each covered member of your family, and you can change your dentist at any time.
  • Most preventive services are covered, including two exams and cleanings per year, x-rays, and two fluoride treatments for children up to age 19.
  • Orthodontia is covered for children and adults.
  • For other dental care services, you pay a flat dollar amount based on the Dental Care Plan Schedule.

When you seek care, tell your dentist that you have Cigna Dental and work for University Hospitals. No ID card is required. Your dentist can call 1-800-244-6224 with questions or to confirm coverage.

How the Dental Plan Works
Plan ID# 3215260 In-network
Advantage DPPO network*
In-network Cigna DPPO and
Out-of-network
Only in-network
services are covered
Annual deductible (per person) $25 individual;
$75 family
$50 individual;
$150 family*
None
Annual (non-ortho) maximum $1,200 individual $1,000 individual None
Optional services
Implants $1,200 calendar year max. $1,000 calendar year max. Covered; see schedule
Orthodontia maximum $1,000 lifetime $1,000 lifetime* 24 month maximum benefit
Your Cost for Covered Services
Preventive (includes oral exams, cleanings and fluoride treatments, sealants and x-rays) 0% 10% $5 office visit fee
Basic restorative (includes fillings and extractions, anesthetics and root canal therapy) 20% after deductible 30% after deductible** Covered; see schedule
Major restorative (includes crowns, bridges and dentures) 50% after deductible 60% after deductible** Covered; see schedule
Orthodontia (Adult) Not covered Not covered Covered; see schedule
Orthodontia (Dependents under age 19) 50% 60%** Covered; see schedule
Implants 50% after deductible 60% after deductible** Covered; see schedule

*   If your dentist is not in the Cigna DPPO “Advantage” network, but is in the Cigna DPPO network, you still get the benefit of no balance billing, and provider discounts.
**  May be subject to higher out-of-pocket costs with balance billing.

Locating an In-Network Dentist

Use the online dental directory at CIGNA's website and follow these steps:

  • Click “Find a Doctor/Dentist”
  • Select the Orange block that says “If your insurance plan is offered through work or school – find a doctor or dentist using this directory
  • Click “Find a… “Dentist”, “Select a Plan” and choose one of the following:

    Dental Plans
    Remind me later
    Cigna Dental Care HMO
    Cigna Dental PPO or EPO

  • When searching for a Cigna Dental PPO dentist, you will note each dentist will have designation for either Cigna DPPO Advantage or Cigna DPPO. Your highest in-network benefits and discounts are received when you receive services from an Advantage dentist.

Current members may search in www.mycigna.com for the DPPO/Advantage network or DHMO.

Predetermination of Benefits
  • Before you receive extensive dental work, or dental work that is likely to cost more than $200, it’s a good idea to ask your dentist to provide a complete description of the treatment on a dental claim form and mail it to the address provided on the form. You and your dentist will be informed what will be covered.
  • If the dentist makes a major change in the course of treatment, you should send a revised dental claim form for a revised predetermination.