Cigna offers several dental, vision and hearing insurance plans to choose from. Some are geared toward dental only. Others are more comprehensive and cover dental, vision and hearing.
All are PPO policies that allow you to use any of their 93,000 network providers. Additionally, those who previously had dental coverage can avoid waiting periods on most services. Click the “Get Quotes” box on the right sidebar to compare plans and enroll today.
Cleanings, Basic and Major Services
There are several plans to choose from in most areas. All policies cover preventive dental care like cleanings, x-rays, and fluoride treatment. The others cover Basic and Major Services as well. Policy maximums range from $1,000 to $5,000 per year in most areas.
Depending on your needs, you can find coverage that best suits your budget and service requirements. For instance, some plans cover orthodontia while other cover implants.
- Preventive & Diagnostic Coverage: Oral exams, routine cleanings, x-rays, sealants, fluoride treatment, space maintainers
- Class II and III Coverage: Periodontics, x-rays, crowns, root canals, tooth extraction, dentures, partials, bridges
- Class IV: Orthodontics, braces, dental implants
Who Is Eligible For Dental Coverage?
Anyone can purchase a Cigna dental plan! Coverage is available for children only, individuals, families and for those over age 65. Please contact us if you’re interested in a group employer based plan.
A 15% discount on monthly premiums is available when additional family members are added to a plan. There are no application or processing fees. You are enrolling direct. No referrals are needed to see a specialist and there are nearly 309,000 offices across the country accepting this coverage.
What About Vision and Hearing Insurance?
Fortunately, Cigna has you covered there as well. Several plans also include vision coverage and hearing benefits as well. You can mix and match benefits to find the best plan for your needs.
The coverage level selected will determine your costs for eye exams and allowance for lenses, contacts and frames. Plans offer up to $400 per year combined for all.
When hearing benefits are added, you can expect a small copay for an exam and $500-$1,000 per year for hearing aids.
Are There Waiting Periods?
When you purchase a Cigna dental plan, coverage will begin on the first of the next month. For Example: A plan purchased on June 15th would be effective July 1.
If you’ve had dental insurance for 12 consecutive months prior to enrolling, any waiting periods will be waived for basic and major services. This is a great benefit for those who might be retiring and losing group employer coverage.
For all others, there are no waiting periods for basic cleanings. However, there will be a 6 month waiting period for Basic Services (like cavities) and a 12 month waiting period for Major Services (like crowns and root canals). And there is always a 12 month waiting period for orthodontia.
Dental, Vision & Hearing For Those On Medicare?
You probably know that most Medicare supplement insurance plans do not cover dental, vision and hearing insurance. Some Medicare Advantage plans offer these benefits, but not traditional supplements. Cigna insurance policies are available on a stand-alone basis to those who are on Medicare and don’t have ancillary benefits elsewhere.
If you’ve recently retired and lost a coverage through a group employer plan, then you can avoid any waiting periods. This is a great feature and it’s somewhat unique to Cigna. Most other insurance companies will make you satisfy their waiting periods even if you have no gap in coverage.
If you’re not sure which Cigna Dental, Vision & Hearing plan is best for you, then please contact us with your questions. We will walk you through your options and help with a direct enrollment.