Cigna Dental and Vision Insurance: The Ultimate Guide

Are you looking for a reliable and comprehensive dental and vision insurance provider? Look no further than Cigna, one of the leading companies in the industry. In this guide, we will explore what Cigna dental and vision insurance covers, how to enroll, and other frequently asked questions. Let’s get started!

What is Cigna dental insurance?

Cigna dental insurance is a type of insurance that covers a variety of dental services. These services include preventive care such as cleanings and check-ups, as well as more extensive procedures such as root canals and orthodontics. Cigna offers a range of dental plans for individuals and families, so you can choose the one that best suits your needs.

One of the benefits of Cigna dental insurance is that you have access to a large network of dentists. With more than 90,000 dentists nationwide, you can be sure to find a provider near you. Additionally, some plans offer coverage for out-of-network providers, although you may have to pay more.

Another advantage of Cigna dental insurance is that most plans cover preventive care at 100%. This means that you won’t have to pay anything out of pocket for routine check-ups and cleanings. For more extensive procedures, you may have to pay a deductible and coinsurance.

Overall, Cigna dental insurance can help you save money on dental care while ensuring that you receive quality treatment.

What does Cigna dental insurance cover?

Cigna dental insurance covers a variety of dental services, including:

Note that these percentages are for in-network providers. If you go to an out-of-network provider, your coverage may be different.

How do I enroll in Cigna dental insurance?

If you have access to Cigna dental insurance through your employer, you can enroll during your company’s open enrollment period. If you’re not sure if your employer offers Cigna dental insurance, you can ask your HR department.

If you’re not eligible for employer-sponsored coverage, you can purchase an individual or family plan directly from Cigna’s website. Simply enter your ZIP code to see available plans and prices.

When enrolling in a Cigna dental plan, you’ll need to select a primary care dentist. This is the dentist you’ll visit for routine check-ups and cleanings. You can change your primary care dentist at any time by contacting Cigna customer service.

What is Cigna vision insurance?

Cigna vision insurance is a type of insurance that covers eye exams, prescription lenses, and frames. Cigna offers two vision plans: the Vision Preferred plan and the Vision Savings plan.

The Vision Preferred plan offers higher coverage for in-network providers, while the Vision Savings plan has lower premiums but less coverage. Both plans include discounts on LASIK and PRK procedures, as well as discounts on additional pairs of glasses or contact lenses.

With Cigna vision insurance, you have access to a network of more than 90,000 providers nationwide. This includes independent optometrists, ophthalmologists, and national retail chains such as LensCrafters and Target Optical.

What does Cigna vision insurance cover?

Cigna vision insurance covers a variety of vision services, including:

Note that these coverage amounts are for in-network providers. If you go to an out-of-network provider, your coverage may be different.

How do I enroll in Cigna vision insurance?

If you have access to Cigna vision insurance through your employer, you can enroll during your company’s open enrollment period. If you’re not sure if your employer offers Cigna vision insurance, you can ask your HR department.

If you’re not eligible for employer-sponsored coverage, you can purchase an individual or family plan directly from Cigna’s website. Simply enter your ZIP code to see available plans and prices.

FAQ

Does Cigna dental insurance cover orthodontics?

Yes, most Cigna dental plans cover orthodontics at 50% after a deductible. However, coverage for orthodontic treatment may vary depending on the plan.

Does Cigna vision insurance cover LASIK?

Yes, both Cigna vision plans offer discounts on LASIK and PRK procedures through participating providers.

What if I need dental or vision services that are not covered by Cigna?

If you need services that are not covered by Cigna, you will be responsible for paying for them out of pocket. However, some providers may offer discounts for Cigna members, so be sure to ask about any available discounts or promotions.

How can I find an in-network provider?

You can search for in-network providers on Cigna’s website or by calling customer service. Be sure to check that your provider is in-network before receiving services to ensure that you receive the maximum coverage.

Can I change my plan during the year?

If you have an employer-sponsored plan, you can generally only change your plan during your company’s open enrollment period. If you have an individual or family plan, you may be able to change your plan during the year, depending on the terms of your policy.

We hope this guide has been helpful in understanding Cigna dental and vision insurance. Remember to carefully review your coverage options and select the plan that best meets your needs. If you have any additional questions, be sure to contact Cigna customer service for assistance.