What is the Cigna dental PPO plan?

Cigna Dental offers three preferred provider organization, or PPO, plans that provide coverage for preventative and basic care and major procedures using in- or out-of-network providers. Patients can select an in-network provider to save the most money, but they do not need a referral to see a specialist.

With the myCigna Dental Preventive plan, Cigna covers 100 percent of the cost of preventative and diagnostic care, such as cleanings and routine x-rays, when a patient sees an in-network provider. The plan also offers discounted rates on other procedures. Coverage does not apply if patients see an out-of-network dentist, but they may still receive discounted services. This plan has no maximum benefit and no deductible.

MyCigna Dental 1000 pays up to $1,000 per year for preventative, diagnostic and restorative services after the patient meets the $50 deductible. People on a family plan have a $150 deductible. Patients using an in-network provider receive discounts on orthodontic services. The myCigna Dental 1500 plan has the same terms as the myCigna Dental 1000 plan but pays up to $1,500. Specific plan terms vary by state.

The PPO plans do not require patients to select a primary dentist, and patients do not need to submit a claim if they use an in-network provider. Cigna offers online account information and bill payments at myCigna.com, or patients can access the information using Cigna's mobile app.