Medicare Advantage Plans from Cigna, including dental coverage details and associated costs
In the realm of health insurance, Cigna stands out as a global provider offering policies across multiple states. One of their key offerings is dental insurance, designed to cater to a wide range of needs and budgets.
Cigna's dental insurance portfolio includes stand-alone plans and bundled options that combine dental, vision, and hearing coverage. Let's delve into the details of some key stand-alone plans and a few bundled options.
Stand-alone Dental Plans
- Cigna Dental Preventive: With a monthly premium ranging from $19 to $21.50, this plan offers no deductible or coverage limit. It covers routine dental check-ups, cleanings, and X-rays.
- Cigna Dental 1000: This plan, with an approximate monthly premium of $33 to $48.75, includes a $50 deductible for basic and major services. It covers fillings, crowns, and root canals, and there's no waiting period for select services or need for referrals.
- Cigna Dental 1500: This plan, priced at $39 to $54.85 per month, features a $50 deductible and a $1,500 annual coverage limit. It's the only plan covering orthodontia with a lifetime orthodontia limit of $1,000.
- Cigna Dental 3000/100: This plan, with a higher coverage limit of $3,000, charges around $32 to $60 monthly and comes with a $100 deductible for all dental services.
Bundled Plans
Depending on the bundled plan, a person can receive dental benefits up to $2,500, vision benefits up to $300, hearing benefits up to $700, and dental implants on select plans. Examples of bundled plans include Cigna Dental Vision 1000, Cigna Dental Vision Hearing 2000, and Cigna Dental Vision Hearing 3500, with an average monthly premium starting from $32.
Additional Details
- Coinsurance applies mainly to basic and major restorative services, ranging from 0% for preventive care to 50% for the Dental 3000/100 plan.
- Cigna plans operate on PPO networks, allowing you to see any dentist but with higher costs if out-of-network.
- Orthodontia coverage is limited to the Dental 1500 plan, but it has a lifetime limit of $1,000, not an annual one.
With a range of plans available, Cigna offers flexible dental insurance options, from basic preventive care to more extensive dental care with coverage up to $3,000 yearly. Always consult Cigna's official website or agents for exact quotes tailored to your situation.
In addition to stand-alone dental plans, Cigna offers Medicare Advantage plans, some of which provide dental coverage. They also offer various Medicare plans, non-Medicare insurance for individuals, businesses, and families, supplemental insurance, and international plans for people living abroad.
- Cigna, a global health insurance provider, extends its services to Medicare, offering Advantage plans with dental coverage.
- For those seeking comprehensive health coverage, Cigna provides various Medicare plans alongside non-Medicare insurance for individuals, businesses, and families.
- In the realm of health-and-wellness, Cigna offers a multitude of plans, including dental insurance, vision insurance, fitness-and-exercise programs, and skin-care solutions.
- Nutrition forms an integral part of Cigna's health-and-wellness offerings, included in some of their bundled health insurance plans.
- Apart from health insurance, finance plays a crucial role in Cigna's services, with personal-finance solutions available on their official website.
- For those seeking lifestyle enhancements, Cigna caters to fashion-and-beauty needs through their travel and food-and-drink offerings.
- Home-and-garden solutions, technology products, and travel insurance are additional services offered by Cigna as part of their comprehensive lifestyle offerings.
- Cigna's dental insurance plans include benefits for science and technology, such as no waiting period for select services or referrals.
- While considering dental insurance, it's essential to weigh the benefits of stand-alone plans like the Cigna Dental Preventive and bundled plans like the Cigna Dental Vision Hearing 3500, depending on your specific needs and budget.
